Goodbye Health Agent

[0b1kanobee]

There's a difference between total profit and percentage profit. I believe health insurance company net profit percentages are around 3-6%, among the lowest in any major industry. Health insurance companies would love to have 25% profit margins.

Well then somewhere fuzzy math is being used. Say they do (old flooring store) 4 million in business. that is a million profit. out of that you have to pay everyone plus all other business cost. What they actually net I don't know but this 25% is gross. I know the owner isn't making millions on that store. Also, not being able to afford flooring won't put the person who can't afford it in bankruptcy. You can't die from not having it. With your health, you can't screw around.

Look how much some of these doctors and insurance executives are getting paid. There is one company here locally that i know of called Asurity First. Health, Medicare, annuities, ect. The branch manager is a relative of mine and his contract to come in there and sit on his fat butt is over 300k a year. He don't even know anything about Medicare. He used to. he has a 4 year contract for over a million dollars to run an office with other agents under him.

 

[djs]

Most medical bankruptcies are caused by loss of income while under treatment, not by the medical bills themselves.

This isn't fixed by insurance, but by people figuring out they need to have some savings.

Dan

 

[somarco]

Somarco, your post repeated itself 3 times, maybe to make a point but methinks the internet is being weird today. I blame solar flares. It couldn't be your fault!

Just trying to make a point.

Just trying to make a point.

Just trying to make a point.

Can't be solar flares. The sun isn't out today and it is cold in Hotlanta.

Our profit margins were about 40%.

That is 10x what it is in the health insurance business where profits, if any at all, are in the 3 - 4% range . . . about the same as grocery stores.

Oil companies can continue to post crazy profits.

I assume you are talking total dollars, not percentage.

They make a lot (total dollars) but on a percentage basis it is more in the 5% range.

Say they do (old flooring store) 4 million in business. that is a million profit. out of that you have to pay everyone plus all other business cost. What they actually net I don't know but this 25% is gross.

That is their markup, not their profit.

Look how much some of these doctors and insurance executives are getting paid.

Why is this even an issue? Do you know how much Snooky is paid. Talk about outrageous and she is as dumb as a box of rocks.

 

[Crabcake Johnny]

The number 1 factor for driving up health care costs doesn't want to be addressed. Utilization.

For a lot of people, stuff happens. It can be an unpreventable accident or illness due to no fault of their own.

That said, our country and others incurs billions in preventable health care costs due to nothing more than neglecting our bodies.

But running a campaign based on personal responsibility as a key way to reduce costs isn't popular. Smokers are tired of being told not to smoke. People who are overweight are tired of being told to eat less. And sedentary people are tired of being told to exercise.

Now, you couple that with our society's solution of prescribing the problem away and you have what we currently have; eat whatever you want a pop a pill for HBP.

 

[0b1kanobee]

So you all seem to be of the consensus that doctors aren't paid enough, drug companies don't make enough, hospitals don't make enough and insurance companies don't make enough....interesting.

Nobody has said none of them operate in the best interest of the consumer so I assume you feel they are all on the up and up in your opinion yet we have some shady agents out there. maybe we do need to get rid of agents. Seems that is where a lot of the problem is when you read these boards. Agents get mad at them for paying 10% commission if we are lucky yet they only make a few percent. Health agents make more than a guy who sells an annuity and the guy selling an annuity usually has to meet with a guy once a year and can't even put him into another product for another commission like a health guy can.

And in conclusion you all think it is the consumer's fault (most of the time) because they don't take care of themselves.....again interesting.

I'm gonna have to call my buddy Phil and let him know his margins are too high according to some of the foremost 'expert' agents of health insurance industry and see what he says. There must be more fat he can trim there somewhere.

As far as my headache situation goes, I must be eating too many of the proper foods, exercising too much, need to start drinking beer and smoking again. Maybe it is allergies.....yeah that's it......i'm allergic to hot chics. Or it could be climatic, Florida is such a bad place to live.

Now I know, you guys confirmed it. With this kind of thinking we are definitely going to be going single payor. No doubt in my mind now. I'm pretty sure Obama is going to get re-elected too now. Oh well

 

[TxOnline]

To Ob1kanobee:

Drink more water (that free stuff that God put in the ground)!

Rub some Aloe Vera on your head!
(That free stuff that you can grow outside.)

Your headaches will go away!

I didn't have to go to 8 years of med school to know this. Mama taught me this 60 years ago.

My fee: ZERO

Moral of this story:
Common sense is CHEAP.
We are idiots.
We think we know MORE than our ancestors who knew how to take care of their bodies without MRI's & expensive specialists.
We are lazy.
We think Obama will FIX all of our ills

 

[0b1kanobee]

To Ob1kanobee:

Drink more water (that free stuff that God put in the ground)!

Rub some Aloe Vera on your head!
(That free stuff that you can grow outside.)

Your headaches will go away!

I didn't have to go to 8 years of med school to know this. Mama taught me this 60 years ago.

My fee: ZERO

Moral of this story:
Common sense is CHEAP.
We are idiots.
We think we know MORE than our ancestors who knew how to take care of their bodies without MRI's & expensive specialists.
We are lazy.
We think Obama will FIX all of our ills

Haha you are funny. Actually you are right about the water though. It is called 'water loading' and you have to drink about 16 8 oz. glasses of water per day. It helps and I eat a special wild weed too.

When I was diagnosed with this 17 years ago, they wanted me to see a Neurologist, Pulmonologist and a few other 'gists'. In the end I ended up finding out through a cluster forum that if I buy a cluster mask and set up welder's oxygen (most likely), I wouldn't need to do all that stuff which would save me a lot of $$$ and time. Plus I don't like doctors. Oxygen doesn't work for everyone but it works for me.

People who know me know that I never complain about pain unless it hurts bad. My dentist thinks I'm nuts because the last root canal I had, a few times he worked on my tooth without Novocaine. I can't stand that numb feeling. Since I'm into the whole fitness thing I do that body waxing stuff at the spa. I tend to fall asleep in the process. Girl who does it can't believe it. It also helps to keep my pain threshold high for the rest of the year. I also avoid girls who like hairy men.

I'll have to try the aloe.

 

[Crabcake Johnny]

Here's an article dated today that addresses an aspect of health care costs no one wants to tackle. It's been labeled as the "death panel" but these decisions are real:

Stroke victim with no health insurance is left to die of starvation | Mail Online

So, without health insurance just who morally should assume this cost? The hospital? The state? The family? The federal government?

Or do we want to have a much tougher discussion about just how long we're going to allow someone to live who is in a persistent vegetative state (see Shaivo) absent the family picking up 100% of the tab.

 

[0b1kanobee]

Here's an article dated today that addresses an aspect of health care costs no one wants to tackle. It's been labeled as the "death panel" but these decisions are real:

Stroke victim with no health insurance is left to die of starvation | Mail Online

So, without health insurance just who morally should assume this cost? The hospital? The state? The family? The federal government?

Or do we want to have a much tougher discussion about just how long we're going to allow someone to live who is in a persistent vegetative state (see Shaivo) absent the family picking up 100% of the tab.

Why is this such a hard decision? It isn't about money, it's about quality of life which she has none. The children are also idiots for wanting to keep her around. Whatever life support she is on and if that be food, then they need to stop feeding her. I don't care if the six kids are Bill Gates, warren Buffet and 4 other billionaires. Time to let it go, let her have her peace. This is what is nice about my religious faith and my hope. Me and my loved ones will be remembered. Even without that, it is the logical thing to do. Idiots.

 

[Crabcake Johnny]

With some kind of living will in place I can imagine scenarios where people want to be kept alive under any set of circumstances. The question is, with a feeding tube and other life support the cost can go on for 5, 10, 20, etc....years. Who pays for it?

Had this lady been covered, exactly what is the obligation of the carrier? Without annual caps, are they obligated to pay for the next 15 years or at some point should the burden shift to the immediate family?