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Pre Existing Conditions Vs Sub Prime Mortgages

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GTKeeper

Golden Member
Apr 14, 2005
1,118
0
0
Originally posted by: Patranus
Originally posted by: Harvey
And you don't see any difference between allowing dubious realestate ventures that that risk the solvency of our financial institutions and underwriting saving human lives? :shocked:

The current legislation has nothing to do with "saving lives". Anyone can walk into a hospital and receive care regardless of their age, race, religion, immigration status, or ability to pay.

This is not true. Care should be emergency care. Once you are stable you are on your way. Further diagnosis or a plan to manage your condition is not included if you don't have insurance.

Please get your facts straight.
 

Harvey

Administrator<br>Elite Member
Oct 9, 1999
35,059
73
91
Originally posted by: jman19

Originally posted by: Patranus

Originally posted by: Harvey

And you don't see any difference between allowing dubious realestate ventures that that risk the solvency of our financial institutions and underwriting saving human lives? :shocked:

The current legislation has nothing to do with "saving lives". Anyone can walk into a hospital and receive care regardless of their age, race, religion, immigration status, or ability to pay.

Your understanding of health care is really poor.

Not as bad as his (Patranus') understanding of humanity. :(
 

JS80

Lifer
Oct 24, 2005
26,271
7
81
Originally posted by: sactoking
The OP didn't really make much of an argument for or against anything. It's really nothing more than offering an inelegantly articulated opinion in an attempt to troll/bait the forums.

Originally posted by: Harvey
95% of Medicare's budget goes to patient care while 5% goes to overhead. 80% of medical insurance companies' budgets goes to patient care while 20% goes to overhead

An economies of scale argument that has been debunked time and time again.

Not only that, even if his numbers/comparisons were true and valid, 15% savings in overhead is a drop in the bucket.
 

Harvey

Administrator<br>Elite Member
Oct 9, 1999
35,059
73
91
Originally posted by: JS80

Not only that, even if his numbers/comparisons were true and valid, 15% savings in overhead is a drop in the bucket.

Thanks for another good reason to take the entire profit and bonus driven motivation out of the health care system.
 

MotF Bane

No Lifer
Dec 22, 2006
60,801
10
0
Originally posted by: Craig234
Originally posted by: MotF Bane
Originally posted by: Harvey
Originally posted by: Patranus

The current legislation has nothing to do with "saving lives". Anyone can walk into a hospital and receive care regardless of their age, race, religion, immigration status, or ability to pay.

As well they should. It has EVERYTHING to do with saving lives.

I'll put it another way -- What qualifies YOU to determine which case is or is not life threatening, or which patient is or is not infected with a communicable disease?

That's the whole point of a good single payer program. Basic health and survival should NOT be a privilege subject to who can pay for it. How and when we can afford to implement it are valid questions. Whether or not we should is a question asked only by those who have shed their humanity.

Emotion has no place in the rule of law.

You are saying saving lives is not an issue for public policy because it's an emotional issue?

You are trying to equate moral conviction with 'emotion' and ignore it.

Without a moral basis for public policy, what's left? Why is freedom good, without any moral element? WHy is slavery wrong, without any moral issue?

Shouldn't we instead judge slavery simply by its economic effects?

You did not make a sensible argument, arguing against the providing of healthcare for people by calling it 'emotion'.

Thank you Craig, that was perfect. Moral conviction - you want to legislate morality now? Funny, there's a party that already tries to do that, you just happen to disagree with its morals. Morals are a perception, not an absolute. They perceive theirs to be correct; you perceive the opposite.

Slavery is wrong because it violates the basic freedoms and rights of each person. Duh.
 

MotF Bane

No Lifer
Dec 22, 2006
60,801
10
0
Originally posted by: Harvey
Originally posted by: MotF Bane

Emotion has no place in the rule of law.

You couldn't be more wrong! The Preamble to the Constitution of the United States of America says:

We the People of the United States, in Order to form a more perfect Union, establish Justice, insure domestic Tranquility, provide for the common defence, promote the general Welfare, and secure the Blessings of Liberty to ourselves and our Posterity, do ordain and establish this Constitution for the United States of America.

Providing publicly funded health care would specifically address insuring domestic tranquility and promoting the general welfare.

A healthy nation would also be far more able to provide for the common defense, and doing so would definitely be an example of securing the blessings of liberty to ourselves and our posterity.

I repeat -- You couldn't be more wrong! :thumbsdown:

Pretty damn vague lines there. Insure domestic tranquility? Police, fire, maybe a justification for FBI. Do we have riots, uncontrolled looting, violent mobs, lynchings, mass arson, et cetera, because of lack of healthcare? No. Therefore, domestic tranquility is in reasonable condition. As for promote the general welfare, that is even more vague than insuring domestic tranquility. In my opinion, that means provide an economically safe and reasonably healthy (i.e. no plague or epidemic) country, with sufficient liberties for a person to make their own success. You, clearly and unsurprisingly, view it very differently. I respect your right to have an opposing viewpoint, but I find it to counter some of the basic foundations of this country, among them a small government. As enjoyable and convenient as a government-provided healthcare may be, it goes against the design of a small federal government.

We are doing quite well in terms of defense; in fact, our "defense" has gone far beyond the level of defense, a point you are quite keen to drive home whenever you get a chance. We could cut our military budget to, as a quick guess, a fifth of where it is, and still be quite sufficiently defended.
 

Craig234

Lifer
May 1, 2006
38,548
350
126
Originally posted by: MotF Bane
Originally posted by: Craig234
Originally posted by: MotF Bane
Originally posted by: Harvey
Originally posted by: Patranus

The current legislation has nothing to do with "saving lives". Anyone can walk into a hospital and receive care regardless of their age, race, religion, immigration status, or ability to pay.

As well they should. It has EVERYTHING to do with saving lives.

I'll put it another way -- What qualifies YOU to determine which case is or is not life threatening, or which patient is or is not infected with a communicable disease?

That's the whole point of a good single payer program. Basic health and survival should NOT be a privilege subject to who can pay for it. How and when we can afford to implement it are valid questions. Whether or not we should is a question asked only by those who have shed their humanity.

Emotion has no place in the rule of law.

You are saying saving lives is not an issue for public policy because it's an emotional issue?

You are trying to equate moral conviction with 'emotion' and ignore it.

Without a moral basis for public policy, what's left? Why is freedom good, without any moral element? WHy is slavery wrong, without any moral issue?

Shouldn't we instead judge slavery simply by its economic effects?

You did not make a sensible argument, arguing against the providing of healthcare for people by calling it 'emotion'.

Thank you Craig, that was perfect. Moral conviction - you want to legislate morality now? Funny, there's a party that already tries to do that, you just happen to disagree with its morals. Morals are a perception, not an absolute. They perceive theirs to be correct; you perceive the opposite.

Slavery is wrong because it violates the basic freedoms and rights of each person. Duh.

You're posting based on a word game.

"Legislating morality" has a meaning of legislating based on morality - murder is morally wrong - and a meaning of excessively inflicting personal moral views on others - for example, making possession of a picture of a naked woman a crime. Since you can't completely reject it - murder legal? - or completely embrace it - ever moral whim of anyone enforced on all, often contradictory? - you have to find the reasonable balance of the two that you try to blur with your use of the phrase applies to my post.

There is a moral element to healthcare for people having nothing to do with the pejorative use of the phrase 'legislating morality' to, say, make adultery a felony.

Indeed, all the other examples I just mentioned but healthcare, and the phrase itself normally are about crims - where healthcare is about meeting a need, not a crime.

Countless laws we pass are for entirely or partially moral reasons - a tax credit for the blind, handicapped parking and access, Medicare, laws against murder, theft, rape, the law requiring emergency care be given to all, laws against animal cruelty - the list is very long. Of course, there are lines, such as 'protecting people from themselves', creating choices between competing rights, just as in the constitution. Motorcycle helmets are in the gray area, greatly reducing brain injuries while limiitting personal freedom.

You need ot back off on your tone - 'duh' is rude even if you were right, which you aren't.

finally, you are really confused in on the one hand condemning, wrongly though it is, the entire idea of 'legislating morality', and then wanting it both ways by condeming slavery.

What's wrong with 'violating the basic rights and freedoms of people', if not a moral issue?

And people who lack healthcare are missing something they need similarly.

You need to develop a sense of morality you are now lacking, and stop the blind ideology on economics, to understand the moral choices our society makes are served by economics, not the other way around. It'd be one thing if we were a 16th century nation in poverty, but we're not. We have a comple inter-dependant economy with plenty of wealth for basic needs of people and the system has a huge influence over wealth and poverty such that it makes a lot of sense to treat healthcare as a human right.

It's a political issue, and a moral issue, with economic elements - not an economic issue. What are our values, our morals?
 

ebaycj

Diamond Member
Mar 9, 2002
5,418
0
0
Originally posted by: MotF BaneDo we have riots, uncontrolled looting, violent mobs, lynchings, mass arson, et cetera, because of lack of healthcare?

These can be arranged (and likely will be, at some point, if things keep to the status quo).
 

fskimospy

Elite Member
Mar 10, 2006
87,984
55,389
136
Originally posted by: MotF Bane

Pretty damn vague lines there. Insure domestic tranquility? Police, fire, maybe a justification for FBI. Do we have riots, uncontrolled looting, violent mobs, lynchings, mass arson, et cetera, because of lack of healthcare? No. Therefore, domestic tranquility is in reasonable condition. As for promote the general welfare, that is even more vague than insuring domestic tranquility. In my opinion, that means provide an economically safe and reasonably healthy (i.e. no plague or epidemic) country, with sufficient liberties for a person to make their own success. You, clearly and unsurprisingly, view it very differently. I respect your right to have an opposing viewpoint, but I find it to counter some of the basic foundations of this country, among them a small government. As enjoyable and convenient as a government-provided healthcare may be, it goes against the design of a small federal government.

We are doing quite well in terms of defense; in fact, our "defense" has gone far beyond the level of defense, a point you are quite keen to drive home whenever you get a chance. We could cut our military budget to, as a quick guess, a fifth of where it is, and still be quite sufficiently defended.

As has been discussed in other threads, I'm not at all convinced that the foundation of our country was one of a 'small government', as many of our founding fathers wanted an extremely powerful federal government. (an almost tyrannical one in my opinion) The founding fathers had wildly different ideas of what the role of the federal government should be, and to be completely honest the people who wanted a small one lost.

Regardless, the powers that the Constitution grants Congress are vast, and they are vast on purpose. Whether or not you think it is the appropriate role of government to provide health care, the Constitution leaves that decision in the hands of Congress, and it would appear that Congress thinks that health care does in fact merit their attention.
 

Craig234

Lifer
May 1, 2006
38,548
350
126
Originally posted by: eskimospy
Originally posted by: MotF Bane

Pretty damn vague lines there. Insure domestic tranquility? Police, fire, maybe a justification for FBI. Do we have riots, uncontrolled looting, violent mobs, lynchings, mass arson, et cetera, because of lack of healthcare? No. Therefore, domestic tranquility is in reasonable condition. As for promote the general welfare, that is even more vague than insuring domestic tranquility. In my opinion, that means provide an economically safe and reasonably healthy (i.e. no plague or epidemic) country, with sufficient liberties for a person to make their own success. You, clearly and unsurprisingly, view it very differently. I respect your right to have an opposing viewpoint, but I find it to counter some of the basic foundations of this country, among them a small government. As enjoyable and convenient as a government-provided healthcare may be, it goes against the design of a small federal government.

We are doing quite well in terms of defense; in fact, our "defense" has gone far beyond the level of defense, a point you are quite keen to drive home whenever you get a chance. We could cut our military budget to, as a quick guess, a fifth of where it is, and still be quite sufficiently defended.

As has been discussed in other threads, I'm not at all convinced that the foundation of our country was one of a 'small government', as many of our founding fathers wanted an extremely powerful federal government. (an almost tyrannical one in my opinion) The founding fathers had wildly different ideas of what the role of the federal government should be, and to be completely honest the people who wanted a small one lost.

Regardless, the powers that the Constitution grants Congress are vast, and they are vast on purpose. Whether or not you think it is the appropriate role of government to provide health care, the Constitution leaves that decision in the hands of Congress, and it would appear that Congress thinks that health care does in fact merit their attention.

I think a lot of people confuse the nature of our original government determined by the state of the civiization - technology, wealth, etc. - versus the principles.

They were a nation of rural farmers, basically, who weren't sure if Unicorns were real (Encyclopedia Brittanica said probably they were). Things are different now.

Some basic things - the need for political free speech - are analogous; others - the nature of the miltary for example, the nature of healthcare, of transportation - much less so.

Espxeically the nature of corporaitons, which barely existed early on, and were always strongly constrained to be limited to serving a somewhat specific purpose required to be for the public good, not the runaway powerhouses dwarfing and dominating governments in many ways that we have today.
 

MotF Bane

No Lifer
Dec 22, 2006
60,801
10
0
Originally posted by: Craig234
Originally posted by: MotF Bane
Thank you Craig, that was perfect. Moral conviction - you want to legislate morality now? Funny, there's a party that already tries to do that, you just happen to disagree with its morals. Morals are a perception, not an absolute. They perceive theirs to be correct; you perceive the opposite.

Slavery is wrong because it violates the basic freedoms and rights of each person. Duh.

You're posting based on a word game.

"Legislating morality" has a meaning of legislating based on morality - murder is morally wrong - and a meaning of excessively inflicting personal moral views on others - for example, making possession of a picture of a naked woman a crime. Since you can't completely reject it - murder legal? - or completely embrace it - ever moral whim of anyone enforced on all, often contradictory? - you have to find the reasonable balance of the two that you try to blur with your use of the phrase applies to my post.

There is a moral element to healthcare for people having nothing to do with the pejorative use of the phrase 'legislating morality' to, say, make adultery a felony.

Indeed, all the other examples I just mentioned but healthcare, and the phrase itself normally are about crims - where healthcare is about meeting a need, not a crime.

Countless laws we pass are for entirely or partially moral reasons - a tax credit for the blind, handicapped parking and access, Medicare, laws against murder, theft, rape, the law requiring emergency care be given to all, laws against animal cruelty - the list is very long. Of course, there are lines, such as 'protecting people from themselves', creating choices between competing rights, just as in the constitution. Motorcycle helmets are in the gray area, greatly reducing brain injuries while limiitting personal freedom.

You need ot back off on your tone - 'duh' is rude even if you were right, which you aren't.

finally, you are really confused in on the one hand condemning, wrongly though it is, the entire idea of 'legislating morality', and then wanting it both ways by condeming slavery.

What's wrong with 'violating the basic rights and freedoms of people', if not a moral issue?

And people who lack healthcare are missing something they need similarly.

You need to develop a sense of morality you are now lacking, and stop the blind ideology on economics, to understand the moral choices our society makes are served by economics, not the other way around. It'd be one thing if we were a 16th century nation in poverty, but we're not. We have a comple inter-dependant economy with plenty of wealth for basic needs of people and the system has a huge influence over wealth and poverty such that it makes a lot of sense to treat healthcare as a human right.

It's a political issue, and a moral issue, with economic elements - not an economic issue. What are our values, our morals?

Most people would agree that murder is morally wrong; however, in legal terms, it deprives the victim of their rights as a person. No legislation of morality there. It happens to coincide with societal norms of morals, but the reasoning can be found legally. You can try another, but a lot of what you would probably call moral legislation would go into the category of depriving another person of their rights (and/or property). Obviously, that covers theft, rape, arson, et cetera. At a glance, I disagree with the tax credit for the blind - but then again, I disagree with the majority of how the tax system functions as of now. Handicapped parking is for equal accommodation for physical disability, again, that isn't moral legislation.

You seem determined to follow with your misguided idea about the mechanism behind condemning slavery. Are you disputing that slavery infringes upon the rights of the enslaved individual? Simply enough, that slavery infringes upon someone's rights is enough to outlaw it, morals need not enter the equation. You seem determined to draw the basics of everything to morals - morals are subjective, and people will not always agree. This is why the rule of law exists.

I have a sense of morality, and I know enough that morals should not govern. You fully support using morals to establish laws you agree with by your morals, and don't support it for laws that you do not agree with by your morals. Do you not see the flaw inherent in this? Your comment that I have an ideological problem is laughable at best - you cannot even see your own hang-up over ideology. Just because our country has the ability to do something does not mean it should. Look at Iraq. Hey, we got rid of a psychotic dictator. Is that morally right to you? I'm going to guess no, invading another sovereign country and killing its people, whether aggressive or non-combatants, you will find wrong. The ability does not make something right.
 

MotF Bane

No Lifer
Dec 22, 2006
60,801
10
0
Originally posted by: ebaycj
Originally posted by: MotF BaneDo we have riots, uncontrolled looting, violent mobs, lynchings, mass arson, et cetera, because of lack of healthcare?

These can be arranged (and likely will be, at some point, if things keep to the status quo).

Then I welcome the first signs of a possible revolution. It would be quite refreshing to see the masses actually give a flying fuck about what goes on in this country.
 

SammyJr

Golden Member
Feb 27, 2008
1,708
0
0
Originally posted by: Patranus
Originally posted by: Harvey
And you don't see any difference between allowing dubious realestate ventures that that risk the solvency of our financial institutions and underwriting saving human lives? :shocked:

The current legislation has nothing to do with "saving lives". Anyone can walk into a hospital and receive care regardless of their age, race, religion, immigration status, or ability to pay.

I'll tell my friend who has diabetes and depression that a doctor will see him right away in the ER! :roll:
 

MotF Bane

No Lifer
Dec 22, 2006
60,801
10
0
Originally posted by: eskimospy
Originally posted by: MotF Bane

Pretty damn vague lines there. Insure domestic tranquility? Police, fire, maybe a justification for FBI. Do we have riots, uncontrolled looting, violent mobs, lynchings, mass arson, et cetera, because of lack of healthcare? No. Therefore, domestic tranquility is in reasonable condition. As for promote the general welfare, that is even more vague than insuring domestic tranquility. In my opinion, that means provide an economically safe and reasonably healthy (i.e. no plague or epidemic) country, with sufficient liberties for a person to make their own success. You, clearly and unsurprisingly, view it very differently. I respect your right to have an opposing viewpoint, but I find it to counter some of the basic foundations of this country, among them a small government. As enjoyable and convenient as a government-provided healthcare may be, it goes against the design of a small federal government.

We are doing quite well in terms of defense; in fact, our "defense" has gone far beyond the level of defense, a point you are quite keen to drive home whenever you get a chance. We could cut our military budget to, as a quick guess, a fifth of where it is, and still be quite sufficiently defended.

As has been discussed in other threads, I'm not at all convinced that the foundation of our country was one of a 'small government', as many of our founding fathers wanted an extremely powerful federal government. (an almost tyrannical one in my opinion) The founding fathers had wildly different ideas of what the role of the federal government should be, and to be completely honest the people who wanted a small one lost.

Regardless, the powers that the Constitution grants Congress are vast, and they are vast on purpose. Whether or not you think it is the appropriate role of government to provide health care, the Constitution leaves that decision in the hands of Congress, and it would appear that Congress thinks that health care does in fact merit their attention.

Except that Congress is bought and paid for. They serve their interests (i.e. being re-elected, or what they morally as individuals feel is right), or the interests of corporations or other wealthy lobbyists. I wouldn't trust Congress, of at least several decades, to even run the cash register at the grocery store.
 

fskimospy

Elite Member
Mar 10, 2006
87,984
55,389
136
Originally posted by: MotF Bane
Originally posted by: eskimospy

As has been discussed in other threads, I'm not at all convinced that the foundation of our country was one of a 'small government', as many of our founding fathers wanted an extremely powerful federal government. (an almost tyrannical one in my opinion) The founding fathers had wildly different ideas of what the role of the federal government should be, and to be completely honest the people who wanted a small one lost.

Regardless, the powers that the Constitution grants Congress are vast, and they are vast on purpose. Whether or not you think it is the appropriate role of government to provide health care, the Constitution leaves that decision in the hands of Congress, and it would appear that Congress thinks that health care does in fact merit their attention.

Except that Congress is bought and paid for. They serve their interests (i.e. being re-elected, or what they morally as individuals feel is right), or the interests of corporations or other wealthy lobbyists. I wouldn't trust Congress, of at least several decades, to even run the cash register at the grocery store.

Congress has always been this way, in fact in the past I would say it was far more corrupt. Either way though, our Constitution does not base Congress' powers on what their motives are. (not sure how they would implement that one) In some ways it's sad, but it couldn't really be any other way.
 

MotF Bane

No Lifer
Dec 22, 2006
60,801
10
0
Originally posted by: eskimospy
Originally posted by: MotF Bane
Originally posted by: eskimospy

As has been discussed in other threads, I'm not at all convinced that the foundation of our country was one of a 'small government', as many of our founding fathers wanted an extremely powerful federal government. (an almost tyrannical one in my opinion) The founding fathers had wildly different ideas of what the role of the federal government should be, and to be completely honest the people who wanted a small one lost.

Regardless, the powers that the Constitution grants Congress are vast, and they are vast on purpose. Whether or not you think it is the appropriate role of government to provide health care, the Constitution leaves that decision in the hands of Congress, and it would appear that Congress thinks that health care does in fact merit their attention.

Except that Congress is bought and paid for. They serve their interests (i.e. being re-elected, or what they morally as individuals feel is right), or the interests of corporations or other wealthy lobbyists. I wouldn't trust Congress, of at least several decades, to even run the cash register at the grocery store.

Congress has always been this way, in fact in the past I would say it was far more corrupt. Either way though, our Constitution does not base Congress' powers on what their motives are. (not sure how they would implement that one) In some ways it's sad, but it couldn't really be any other way.

The implementation of such a safeguard would be utterly impossible. However, I would still say that Congress's ability to make a good decision for this country is terribly flawed by their corruption. I'll try to make a better answer in the morning. :)
 

rchiu

Diamond Member
Jun 8, 2002
3,846
0
0
Originally posted by: spidey07
Pre-existing conditions clauses are needed as a way to make insurance/healthcare not be so much more expensive than it already is. Without them people would only get insurance when they were sick.

I don't like it one bit, but that is the reason for them. Take them away and watch your insurance costs skyrocket.

BS. Most employer sponsored healthcare do not have pre-existing clauses and you don't see those policies cost skyrocket. And you can do what those employer sponsored healthcare do, only once a year enrollment period, or one time life event, like getting married, give birth when you can enroll to get ride of those people getting insurance only when they are sick.


 

heyheybooboo

Diamond Member
Jun 29, 2007
6,278
0
0
Originally posted by: JS80
Originally posted by: sactoking
The OP didn't really make much of an argument for or against anything. It's really nothing more than offering an inelegantly articulated opinion in an attempt to troll/bait the forums.

Originally posted by: Harvey
95% of Medicare's budget goes to patient care while 5% goes to overhead. 80% of medical insurance companies' budgets goes to patient care while 20% goes to overhead

An economies of scale argument that has been debunked time and time again.

Not only that, even if his numbers/comparisons were true and valid, 15% savings in overhead is a drop in the bucket.

A 15% savings on on the gov't portion of 17.7% of GDP (what we will spend on health care this year) is a big deal.

And there is no 'economy of scale' argument, nor empirical data to back it up. There is, however, a recent 'commentary article' (i.e., opinion) from a mouthpiece for health care executives, co-authored with a d00d from the Heritage Foundation, circulating on the internets.







 

Carmen813

Diamond Member
May 18, 2007
3,189
0
76
Originally posted by: spidey07
Pre-existing conditions clauses are needed as a way to make insurance/healthcare not be so much more expensive than it already is. Without them people would only get insurance when they were sick.

I don't like it one bit, but that is the reason for them. Take them away and watch your insurance costs skyrocket.

Or you eliminate pre-existing conditions, mandate everyone buy insurance, and slap significant fines on anyone who doesn't fall in line. The added risk is mitigated by the larger insurance pool.
 

sactoking

Diamond Member
Sep 24, 2007
7,648
2,924
136
Originally posted by: Harvey
But they SHOULD be, or they should get out of the business of health care. If they won't leave voluntarily, they should be driven out.

Who paid for the surgury to remove your conscience and your humanity? :|

Or did you ever have either? :roll:

There is no ethical or moral defense for putting profit ahead of human health and survival. Any health insurance company that can't live with that should be driven out of business and off the planet.

Since you have ignored the empirical argument that I made, I will assume that you have no rebuttal. In that case, you are content to argue morality. I have been around long enough to know that you live in a world where your opinion is correct 1000% of the time and no rational discussion is possible, thus I will no longer respond to your blatant flame baiting.

Originally posted by: heyheybooboo
And there is no 'economy of scale' argument, nor empirical data to back it up.

There is plenty of empirical data. In fact, it's all government-provided. Everything you need is in the US Census and Health and Human Services websites.
 

Harvey

Administrator<br>Elite Member
Oct 9, 1999
35,059
73
91
Originally posted by: sactoking

Originally posted by: Harvey

But they SHOULD be, or they should get out of the business of health care. If they won't leave voluntarily, they should be driven out.

Who paid for the surgury to remove your conscience and your humanity? :|

Or did you ever have either? :roll:

There is no ethical or moral defense for putting profit ahead of human health and survival. Any health insurance company that can't live with that should be driven out of business and off the planet.

Since you have ignored the empirical argument that I made, I will assume that you have no rebuttal. In that case, you are content to argue morality.
[/quote]

I replied directly to your "empirical arguement," twice, with a precise statement appropriate to its significance. The operative word was BULLSHIT! because, when it comes to the very existence of our fellow human beings, there is no ethical or moral defense for putting profit ahead of human health and survival.

Until you understand that, your pathetic "empirical arguement" isn't even worth the price of real BULLSHIT because BULLSHIT can be used as fertilizer to help things grow, whereas all your greed based whining will do is kill people.

I have been around long enough to know that you live in a world where your opinion is correct 1000% of the time and no rational discussion is possible, thus I will no longer respond to your blatant flame baiting.

Thank you. It's about time you figured out I'm right and stopped your whining. :thumbsup:

Single Payer Health Care NOW! Pass Teddy-Care.
 

imported_inspire

Senior member
Jun 29, 2006
986
0
0
Originally posted by: Patranus
A Subprime mortgage is one where the lendee is high risk, which adds instability to the system if legions of sub-prime mortgagees start to default. We know that the instability can cause major problems.

We now will have sub-prime policyholders that add cost because they can step right in with a costly pre-existing, they cannot be charged more than 2x the base premium and that represents a loss for the insurance company which cannot be re-couped by any other means than increasing the premiums on the prime policyholders who are healthy and can pay.

The government plans will be able to subsidize these increased costs through taxpayer money. Why would anyone pay a higher premium for private and pay higher taxes to subsidize the public? They won't so everyone will be on public within 5 years.


An interesting analogy. Unfortunate that the thread has so quickly devolved that it will never be discussed.
 

Carmen813

Diamond Member
May 18, 2007
3,189
0
76
It's actually an ignorant analogy, because I don't think the OP understands what pre-existing conditions are used for by the insurance industry. Sub-prime mortgages required both the bank to give the loan and the loanee to default. Insurance companies are not currently covering pre-exisiting conditions, so the analogy falls flat on its face.

A pre-existing condition is simply not covered. There is no "pay 2x the normal premium." There is no cost to the insurance company. You cannot join an insurance plan and start collecting benefits to cover a prior diagnosed condition (at least not in NYS) so I don't know what he is talking about. The way the public plans have been structured is that they must be financially sustainable on their own, i.e., through premiums.

He also seems to be misinformed about how insurance works in the first place. It is the redistributing risk and costs of a single individual across a group (it is in fact, socialism) in order to minimize the impact any one person can have. That is why having more healthy people in the pool is better for the companies bottom line.

All of that ignores the ethical and moral debate of denying sick people coverage (and I'm referring specifically to people who were in the plan to start).
 

sactoking

Diamond Member
Sep 24, 2007
7,648
2,924
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Originally posted by: Carmen813
It's actually an ignorant analogy, because I don't think the OP understands what pre-existing conditions are used for by the insurance industry. Sub-prime mortgages required both the bank to give the loan and the loanee to default. Insurance companies are not currently covering pre-exisiting conditions, so the analogy falls flat on its face.

A pre-existing condition is simply not covered. There is no "pay 2x the normal premium." There is no cost to the insurance company. You cannot join an insurance plan and start collecting benefits to cover a prior diagnosed condition (at least not in NYS) so I don't know what he is talking about. The way the public plans have been structured is that they must be financially sustainable on their own, i.e., through premiums.

He also seems to be misinformed about how insurance works in the first place. It is the redistributing risk and costs of a single individual across a group (it is in fact, socialism) in order to minimize the impact any one person can have. That is why having more healthy people in the pool is better for the companies bottom line.

All of that ignores the ethical and moral debate of denying sick people coverage (and I'm referring specifically to people who were in the plan to start).

The crux of the OP's point is that under the currently proposed systems, pre-existing conditions could not be the basis for denial of coverage, which is also where the "2x" number comes from. You're talking about the current system and he's talking about the proposed system.