Uh-oh....

dgoldenz

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4,177
Virginia
Just got this email from the Vice President of my wholesaler for Blue Cross/Blue Shield.....


[FONT=&quot]I attended a meeting yesterday with Burke King, President Anthem VA. His clear and unequivocal concern not only for the industry but for agents was disconcerting and worrisome. I have known him for 10 years; he is reserved and not inclined toward hyperbole. He indicated that agents will be out of business if the administration is successful with the congress in passing legislation to dismantle health insurance as it exists today which seems likely as of this date. Current proposals call for 1% commission for brokers at best if not their complete elimination![/FONT]

[FONT=&quot]The President is trying to include a “reconciliation” provision in the budget which means that discussion and final drafts of legislation (healthcare) is conducted behind closed doors by committees only and a congressional vote to pass the bill only needs a simple majority without debate. Normal procedural requirements include a debate on the floor unless a 60% vote decides otherwise which the administration knows it can not get. If there is a debate, it would likely force the committees to go back and make compromises to the bill for another vote or consider other remedies. This is inside baseball but that’s congress. BTW, the Bush administration used reconciliation to pass tax legalization so this has been done before; I’m not picking on President Obama! [/FONT]

[FONT=&quot]So what does this mean to each of you? In my opinion change is coming regardless of the outcome but the scenario above is catastrophic to each and every one of us. Our livelihood is on the brink with this legislation. If this has your attention and you want to do something about it, contact your Senator (the House looks like a lost cause) and express your concerns and urge him or her not to support the federal option but to support efforts to improve the existing delivery system. The federal option is portrayed as offering the same plan that Senators and the President have instead of employer based plans. This is a Trojan horse for moving to a single payer system; more expensive and reduced access for service (6 months for an MRI in Canada). Please read below so you will be better informed about the issue. If you feel compelled to speak out, contact your Senator; there is a convenient link in the text of the NAHU information below. [/FONT]


and then there is the same NAHU article that has been floating around attached as well. Just thought I'd put this out there....not good.
 
It does seem that it will happen:

WASHINGTON (CNN) -- House and Senate Democratic negotiators reached a tentative deal Friday to use a fast-track budget process to move President Obama's health care overhaul, according to Democratic leadership sources in both chambers.


The House and Senate may use "budget reconciliation" to pass health care reform.

Use of the special process -- known as budget reconciliation -- signals that major health reform is likely to pass this year because, under the process, Republicans won't be able to filibuster the legislation.

Democrats, who control 58 seats in the Senate, would be able to pass it with a simple majority vote instead of the 60 needed to overcome a filibuster.

Republicans, and some Democrats, had warned against using the tool to pass major policy changes without bipartisan support.

Sen. Mike Enzi, R-Wyoming, a key senator on health care matters, recently compared it to a "declaration of war" against Republicans.

Both the House and Senate are expected to pass the budget measure next week. Democrats have set a goal of passing health care reform by August.
 
It's coming but it wont necessarily be as draconian as that although it will be a gamechanger. Most likely Congress will subsidize plans and specify what percent of the subsidy must go directly to patient care versus admin and marketing. The carriers then will be free to use the small admin/marketing share as they see fit. In the beginning, for the first couple years, they may try to have some commission there for agents in order to gain market share while they figure out how to run the whole thing by website or 800 number or company sponsored sign up sessions. In that way, agents will still have the screws put to them but by the carriers as well as the feds.

Methinks.
 
Weren't you just telling us recently that AHIP would never let this happen?


Hey Mel Kiper... what are doing out on the eve of the biggest annual event of your career...? You better get home and prep those notes... What, don't use notes...? How can that be, from a guy that seems to know virtually everything about college talent and NFL teams needs...

Timely there Moon, the avatar of Mel... Sweet. T minus 16 and counting, ole Mel's gotta be stroking it, I mean cramin it... well how about studying his subject matter for tomorrow... He is a freakin football computer when it comes to talent and knowing it thru and thru.
 
Ive always known GI was coming but I'm not sure about what these mad scientists in Wash DC are up to anymore. They are truly refugees from Ringling Bros.
 
[Hey Mel Kiper... what are doing out on the eve of the biggest annual event of your career...?

Timely there Moon, the avatar of Mel... Sweet. T minus 16 and counting, ole Mel's gotta be stroking it, I mean cramin it... well how about studying his subject matter for tomorrow... He is a freakin football computer when it comes to talent and knowing it thru and thru.

NFL Draft In Chaos
 
Ive always known GI was coming but I'm not sure about what these mad scientists in Wash DC are up to anymore. They are truly refugees from Ringling Bros.

I think the problem many of you are having is that you honestly believe that the world revolves around YOU and because of that you have zero concept how much people truly hate the current IFP system of coverage where the carriers get to cherry pick for healthy 30 year olds and leave the rest of the working population to either die or pay through the ass for coverage.

Most of you are young and stupid. You think the current system it terrific because you can make a six figure income from it... on the backs of those who work a lot longer and harder for their money than you do.

You and NAHU and the carriers have had everyone by the balls for many years, and your arrogance and conceit have paved the way for the huge resentment that is now being manifest in Washington, DC.

I honestly don't believe you can beat this one... like you did in 1993. I liken this to the culmination of the civil rights struggle... when the country finally turned against segregation and separate-but-(un)equal and we saw pubic accommodations and voting rights legislation that basically ended the apartheid South.

My advice is to learn how to sell life, DI, CI, and LTC.

The government is going to run their own plan, like they do Medicare and no one is going to cry any tears for Wellpoint, UHC, the Blues, Aetna, or any/all agents.

It's the market at work. You f--k people over long enough and eventually they will find a substitute for whatever it is you are selling them. That's what is happening here. People don't want to spend $12,000 a year for health insurance. If the government can get them the same coverage for $5000 in additional taxes, that is where they are going to go.

You can moan and groan about it until the moon turns blue, but not you, not Ron Paul, not Rush Limbaugh, not Newt Gingrich is going to be able to stop it. Any agent who honestly believes that the current system is the best of all possible systems and who thinks he/she will be selling this HDHP managed care health crap two years from now... simply does not get it... and in my mind deserves to be put out of business.

How many friends does that make me in this venue. Not many? I'm fine with that. I'm on the side of the hard working citizens of this counry... not you and your greedy insurance carriers. You don't like that? Ask me if I care! :yes:

Al
Preserve your memories
 
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