The Future of Health Insurance

[tonyisme]

iphone Suri is on Koolaid

 

[Brian F 11]

Damn!!! You typed all of that on your iPhone?

I have mad thumb skills.

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Both of you come off as rookies in this business. Florida Blue, like them or not (I don't) have been the #1 carrier for IFP in Florida for a long time and had at least 33% marketshare before ACA. The have the best HMO product (Blue Care) in many parts of Florida (open access), with the exception of Tampa, South Florida, and Jacksonville, where they introduced 'My Blue' last year that even their best agents hate. Humana offered the only PPO alternative this year and it is gone for next year so anyone who wants a decent network will have to go with Florida Blue (the only exception is the Aetna local HMO in Sarasota/Manatee, which is very strong in a limited geographic area). All of this is a waste of bandwidth because outside of some Blue agents no one is going to make a living in Florida in IFP next year and in future years, companies like Molina may have a decent product but with their limited networks will never attract anyone who makes a decent living. Consumers that actually stay on the books (my persistency has always been >90% and is close to 97% so far this year) aren't worried about a few bucks one way or the other, companies like Ambetter barely register on their radar, they want a plan with good benefits. I could continue to point things out but have no interest in extending this conversation.

Admittedly not the most productive conversation ever. We were just talking really. Nice of you to knock everybody to your lows Debbie Downer.

Thank you for trolling in and repeating everything That was already said, rewritten in your own words and wasting even more band width to tell us that we are wasting band width.

no carrier has a 97% retention rate with Obamacare. ACA retention is notoriously the worst in the business of any health plan. I throw I yellow bullshit flag on that play: 15 Yards from the spot of the foul, automatic 1st Down.

Go sit on the bench ROOKIE.

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[kstein]

I have mad thumb skills.

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Admittedly not the most productive conversation ever. We were just talking really. Nice of you to knock everybody to your lows Debbie Downer.

Thank you for trolling in and repeating everything That was already said, rewritten in your own words and wasting even more band width to tell us that we are wasting band width.

no carrier has a 97% retention rate with Obamacare. ACA retention is notoriously the worst in the business of any health plan. I throw I yellow bullshit flag on that play: 15 Yards from the spot of the foul, automatic 1st Down.

Go sit on the bench ROOKIE.

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Agreed on the bs meter. Even if you think you are at 97% it's impossible to truly track and confirm that with all the bs on commissions, take aways from hc.gov, etc

 

[kgmom219]

Agreed on the bs meter. Even if you think you are at 97% it's impossible to truly track and confirm that with all the bs on commissions, take aways from hc.gov, etc

I actually DO track it. (Well. I pay someone to track it.) Last year, I entered OEP at 90%. Right now, I'm at 92%. I'm actually at 99%, because I don't count it as a loss when they tell me they got a job with benefits or can't afford it, but please keep me on the list for next year as a hit against my persistentcy.

 

[somarco]

Legislators and administrators must address these future challenges facing health care in the United States.

Are you a millennial and a liberal or just a liberal?

Government bureaucracy that replaces personal responsibility is never the answer.

 

[tonyisme]

Turner the quality of healthcare and the facilities and the medical talent varies among city and state. There are droves of people coming to the United States for treatment of their illness. They cannot obtain the care they need where they live. There is either a lack of talent in their area or lack of facilities or they are on a long waiting list. Many of them have the money to pay. not saying it's easy for them to pay it for sure. If they don't have the insurance they may not get the care they need. Right now if somebody wants to buy major medical insurance because they didn't have it before they simply cannot buy it since open enrollment periods have been imposed. Of course there has to be a qualifying event or situation for them to buy it but we have a ridiculous situation going on.

 

[tonyisme]

I thought potus wanted this type of system for us...
Hmmmm..on second thought we ought to think twice
https://ca.news.yahoo.com/ontario-parents-struggle-treatment-baby-233350181.html?nhp=1

 

[kstein]

Has anyone heard any concrete info in commissions for open enrollment in 2017? How about renewal business, either off or on exchange.

If no one pays across the board what are people doing now to prepare their clients for the end if year? Going fee based, leaving them on their own?

 

[somarco]

I said goodbye to clients 2 years ago and never looked back. At first it was difficult, but once I came to the realization this SNAFU wasn't created by me I was at peace.

To me it was obvious from 2013 the agent would be in competition with the govt. I started preparing to leave the U65 market shortly after Obamacare became law. Stepped up the transition following the SCOTUS decision.

None of this was easy but it was what I had to do for my family.

 

[Brian F 11]

A future of high quality, effectiveness and efficiency is aimed for the health care system. However, many issues remain today. The healthcare system is plagued with high costs, incomplete coverage, and declining or stagnant quality, among other issues. Nonetheless, reforms are implemented over time, such as the Patient Protection and Affordable Care Act. The effects of technology, ethical challenges, and the international condition of health care also shape the future of health care in the United States. These issues affect the success or failure of the system. Legislators and administrators must address these future challenges facing health care in the United States. Three of the most difficult issues facing health care in the United States today are the rising cost of healthcare, shortage of primary care professionals, and disparate international standards on healthcare. These issues remain unaddressed and lead to lower effectiveness and quality of the US healthcare system.

What??!???!!!

What article/blog media post did you regurgitate all of that from?

Wherever that info came from, it is obvious that it was written from an outsiders perspective, from someone with zero insider knowledge of our healthcare system. ZERO. Clearly written by a journalist, with the purpose of mis-informing an already mis-informed public. None of that garbage you wrote above will fool anyone in here.

Here are the real reasons for the issues, in short answers:

1. The primary, under-lying reason for high, and rising cost of health care is because we (we -American Consumers in need of healthcare) want it to be. We DEMAND the absolute best, most cutting edge, technologically advanced, medical treatment possible, when we need it.....and that costs money. What expense would you not spare to save your terminally ill child? Spouse?

Example: While working on a home improvement project, you accidentally cut your dominant hand off. You go the ER, you have a choice to make:

Option A; the hospital can clean up your stump, sew it up nicely, fit you for a prosthetic a few months later. Cost $17,000.

Option B; the hospital will call in the specially trained hand surgeon, using a specially designed micro-surgical robot he will re-attach your hand, nerves, and veins. With some time and many rehabilitation sessions, you will regain 90% usage of that hand again. Cost $75,000.

Sitting in the ER, with your severed hand in an icebox, giving the choice above, which one do you choose?

Now look at what goes into Option B. The physician that can perform this surgery successfully has been trained as a M.D., continued education to become a surgeon, continued education to use the robotic surgical device, continued education to perform that specific procedure, continued education to become a hand specialist (can't remember what the official title is).

Someone had to design, develop the robotic surgical device, design and develop software, maintain software, etc.

The point is, before a single dollar of profit is made by performing a single surgery, millions of dollars are invested up front before it is even a possibility.

This concept is repeated many times over throughout our healthcare system so that it continues to IMPROVE. That costs MONEY.

The second reason, more recently, Politicians have become involved. One smart politician recently figured out that our healthcare system can be sold off, traded for votes, and install bureaucracy. Health Insurance was affordable, Health Care is not. Once all of the health insurance companies are out of the business, our highest quality in the world system will stop improving, and will go backwards.

Without a true free market system in place, removing true insurance from the system, politicians selling and trading our healthcare system will DRASTICALLY increase the cost of healthcare. This time, WITHOUT ANY IMPROVEMENTS.

Don't take my word for it, just sign up for Obamacare (healthcare, not actually health insurance) in 2017, then go and actually try to use it.

Good Luck...

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