Who enforces those laws you dumbshit? Hint....the God Damn GOVERNMENT. Originally Posted by WTFSo apparently you LIKE when the government gets to PICK AND CHOOSE which laws it wants to enforce and those it doesn't? So violating the "rule of law" is a GOOD thing in your eyes. Nice to know that about you.
Serious question. What makes an insurance policy a "bad apple" policy? What do they fail to cover? Originally Posted by CuteOldGuyIt is a hard question for a complicated business. I can only answer in generalities. A "bad apple" policy is one designed to game the system and fool the marks into thinking they have comprehensive coverage from a reputable, financially stable business. I once inquired into a 10 dollar a month "dental policy". (I was obviously skeptical) It was nothing more than a list of dentists that agreed to take in patients in your area for a negotiated rate, supposedly a discount. It implied you could get your teeth cleaned, x-rayed, and get a free toothbrush for next to nothing. They wanted you to think it was a good policy when it was just a basic list - and they carefully worded things to make you think it was real insurance without actually saying that it was.
It is a hard question for a complicated business. I can only answer in generalities. A "bad apple" policy is one designed to game the system and fool the marks into thinking they have comprehensive coverage from a reputable, financially stable business. I once inquired into a 10 dollar a month "dental policy". (I was obviously skeptical) It was nothing more than a list of dentists that agreed to take in patients in your area for a negotiated rate, supposedly a discount. It implied you could get your teeth cleaned, x-rayed, and get a free toothbrush for next to nothing. They wanted you to think it was a good policy when it was just a basic list - and they carefully worded things to make you think it was real insurance without actually saying that it was.I think the current fraud and consumer protection laws would take care of that. Certainly we don't need a government takeover of an entire industry to protect people from a phony $10 dental policy.
Given free reign, I can imagine any number of tricks a health insurance company would pull to deny, delay, and obfuscate. Originally Posted by Bert Jones
I think the current fraud and consumer protection laws would take care of that. Certainly we don't need a government takeover of an entire industry to protect people from a phony $10 dental policy.do your homework and quit begging ... look up the requirements of ACA, compare those to the coverage of policies that are being canceled because their requirements fall short of the ACA requirements ...
I just keep hearing about all the sub-standard policies being cancelled. I want to know in what areas they are deficient. The fact that you don't know proves that you, and others, are simply spouting the government talking points, and don't really know what you're talking about. Originally Posted by CuteOldGuy
Who enforces those laws you dumbshit? Hint....the God Damn GOVERNMENT.A STATE judge/jury .... I suppose if you want TO CALL THAT "THE GOVERNMENT" ..
You talk out of both sides of your ass....you and JD.Originally Posted by WTF
I think the current fraud and consumer protection laws would take care of that. Certainly we don't need a government takeover of an entire industry to protect people from a phony $10 dental policy.It was a legal offering, carefully worded to not be a policy at the same time it appeared to be one. Legitimate competing businesses get cheated just as badly by crooks pretending to be honest and reputable. Look at the explanation of benefits for every procedure you have, and the ways insurance companies can get to you. The only reason they won't nickel and dime you to death in the future is the government will require uniform coverage and payment standards.
I just keep hearing about all the sub-standard policies being cancelled. I want to know in what areas they are deficient. The fact that you don't know proves that you, and others, are simply spouting the government talking points, and don't really know what you're talking about. Originally Posted by CuteOldGuy
A STATE judge/jury .... I suppose if you want TO CALL THAT "THE GOVERNMENT" ..Let us see. The judge is paid by the government. The building is a government building. Jail. Is that private LL.
.. so be it.
.. Originally Posted by LexusLover
So apparently you LIKE when the government gets to PICK AND CHOOSE which laws it wants to enforce and those it doesn't? So violating the "rule of law" is a GOOD thing in your eyes. Nice to know that about you. Originally Posted by RedLeg505You dumb muther fucker. The government is fought over by the 'people' and 'big business'. Basically worker vs management. It is a referee between those two competing interests. The God Damn "Rule of Law' is really just who is ruling the government at the time. You dumbass Tea Pukes not only still believe in Santa but you are just not versed in reality. Kinda like GOG. Bitching about government in one breath and saying government is the answer in the next and to fucking dumb to even realize wtf he just said!
Furthermore, the insurance company faces a loss of treble damages if they fail to pay a claim in bad faith.
Originally Posted by CuteOldGuy
do your homework and quit begging ... look up the requirements of ACA, compare those to the coverage of policies that are being canceled because their requirements fall short of the ACA requirements ...So you don't know, do you, CBJ7? I was right. You have NO IDEA what you're talking about.
Im pretty sure you'll find your sophomoric question is a little more difficult to answer than you think. Originally Posted by CJ7
It was a legal offering, carefully worded to not be a policy at the same time it appeared to be one. Legitimate competing businesses get cheated just as badly by crooks pretending to be honest and reputable. Look at the explanation of benefits for every procedure you have, and the ways insurance companies can get to you. The only reason they won't nickel and dime you to death in the future is the government will require uniform coverage and payment standards. Originally Posted by Bert JonesYou don't know either, do you? Please refrain from lecturing me unless you know what you're talking about.
You dumb muther fucker. The government is fought over by the 'people' and 'big business'. Basically worker vs management. It is a referee between those two competing interests. The God Damn "Rule of Law' is really just who is ruling the government at the time. You dumbass Tea Pukes not only still believe in Santa but you are just not versed in reality. Kinda like GOG. Bitching about government in one breath and saying government is the answer in the next and to fucking dumb to even realize wtf he just said!And you're just a colossal moron who sounds stupider every day.
Originally Posted by WTF
Originally Posted by CuteOldGuy