- TryWeakly
- 07-01-2017, 05:11 PM
This one is now ready for the litterbox .....not hobby related anymore. As if it ever really was...
- cinderbella
- 07-02-2017, 12:42 PM
The reason why health insurance is so expensive is complicated.
The health insurance lobby makes huge donations to politicians in order to control influence. Our politicians are being legally bribed to vote in lobbyists favor.
The U.S. is the only country where health care insurers do not have to provide proof of services and care provided in order to be paid. Other countries demand health care insurers provide proof of services rendered first and to apply correctly in order to be paid. This method makes health care insurers accountable and not in ultimate control. In other words, no arguing over whether a life saving procedure is covered or not, while the patient waits in limbo because the health care insurer does not want to pay up.
As long as health care insurers dictate their protocol first, the health insurance industry will be allowed to dictate health insurance costs. Also, health care providers such as hospitals in the U.S. and even doctors are not transparent with pricing. The secretiveness of pricing by physicians and hospitals compounds the problem of costs. More pricing transparency is needed.
Health care is not deemed a "Right" in the U.S., it is deemed a "Privilege" by standard. Further compounding a "One size fits all" type of insurance mandate makes the situation worse. Insurance runs on a "Pooled money" system, meaning any insurance you by i.e. homeowner, life or car is a system where the insurance company bets making a profit in exchange for agreeing to a payout if conditions are met. Applying this principal to modern healthcare where machines and procedures are complex and extremely expensive complicates this formula.
We live in an era where investors own shares in corporations and companies. Investors are demanding their share of payment first, demanding that corporations and companies promote their board protocol and that means that service is not a first priority. Investors are the priority. Also, CEO climate and the notion that if the CEO is not blatantly overpaid and protected, the CEO will abandon ship and the corporation or company will suffer all because of the all powerful CEO leaving. Lastly, corporations and companies gain financially by basing themselves out of the U.S. or take advantage of IRS loopholes not available to the average person in order to not pay reasonable corporate taxes in the hope or expectation that the tax savings would be used to hire more individuals to support the economic base. This expectation is not being honored.
If you drive a car, you must by law carry and pay for car insurance. Depending on your driving record, coverage, and value of car the insurance costs varies. You even have a provision in your car insurance that pays for something in the event you are in an accident with an uninsured driver. It would be great if we could purchase health insurance like that, but many argue that is unfair. Even with catastrophic coverage for unforeseen circumstances such as cancer and other life threatening emergencies. There will always be someone who refuses to take a pro active role in their health. It is the role of any insurance to provide some sort of coverage no matter what. That is why life insurance does not cover suicide, and why homeowners insurance wrestles with "Act of God" situations.
Until healthcare is deemed a right, and health insurance companies are forced to provide service before reimbursement, and for profit means a blank check to the ceo and shareholders, this problem will not go away. All insurance is a risk pool, not all people insured are the same risk.
Also, the tax reduction mandate that keeps getting brought up by congress is a result of a government promise made to health insurers during implementation of the ACA. The government promised health care lobbyists that if health care insurers agreed to let go of the pre existing clause mandate, that the government would in turn allow a huge tax write off for several years ( 20, I think). Now the health care lobby wants the promised tax write off break and they want to with hold insurance for pre existing conditions as they see fit in order to maintain financial control and costs. Congress is getting paid by the health care lobby in the form of donations to propose legislation in favor of the health care lobby. It is a completely rigged system, and nobody involved really wants to actually provide worthwhile health insurance.
The health insurance lobby makes huge donations to politicians in order to control influence. Our politicians are being legally bribed to vote in lobbyists favor.
The U.S. is the only country where health care insurers do not have to provide proof of services and care provided in order to be paid. Other countries demand health care insurers provide proof of services rendered first and to apply correctly in order to be paid. This method makes health care insurers accountable and not in ultimate control. In other words, no arguing over whether a life saving procedure is covered or not, while the patient waits in limbo because the health care insurer does not want to pay up.
As long as health care insurers dictate their protocol first, the health insurance industry will be allowed to dictate health insurance costs. Also, health care providers such as hospitals in the U.S. and even doctors are not transparent with pricing. The secretiveness of pricing by physicians and hospitals compounds the problem of costs. More pricing transparency is needed.
Health care is not deemed a "Right" in the U.S., it is deemed a "Privilege" by standard. Further compounding a "One size fits all" type of insurance mandate makes the situation worse. Insurance runs on a "Pooled money" system, meaning any insurance you by i.e. homeowner, life or car is a system where the insurance company bets making a profit in exchange for agreeing to a payout if conditions are met. Applying this principal to modern healthcare where machines and procedures are complex and extremely expensive complicates this formula.
We live in an era where investors own shares in corporations and companies. Investors are demanding their share of payment first, demanding that corporations and companies promote their board protocol and that means that service is not a first priority. Investors are the priority. Also, CEO climate and the notion that if the CEO is not blatantly overpaid and protected, the CEO will abandon ship and the corporation or company will suffer all because of the all powerful CEO leaving. Lastly, corporations and companies gain financially by basing themselves out of the U.S. or take advantage of IRS loopholes not available to the average person in order to not pay reasonable corporate taxes in the hope or expectation that the tax savings would be used to hire more individuals to support the economic base. This expectation is not being honored.
If you drive a car, you must by law carry and pay for car insurance. Depending on your driving record, coverage, and value of car the insurance costs varies. You even have a provision in your car insurance that pays for something in the event you are in an accident with an uninsured driver. It would be great if we could purchase health insurance like that, but many argue that is unfair. Even with catastrophic coverage for unforeseen circumstances such as cancer and other life threatening emergencies. There will always be someone who refuses to take a pro active role in their health. It is the role of any insurance to provide some sort of coverage no matter what. That is why life insurance does not cover suicide, and why homeowners insurance wrestles with "Act of God" situations.
Until healthcare is deemed a right, and health insurance companies are forced to provide service before reimbursement, and for profit means a blank check to the ceo and shareholders, this problem will not go away. All insurance is a risk pool, not all people insured are the same risk.
Also, the tax reduction mandate that keeps getting brought up by congress is a result of a government promise made to health insurers during implementation of the ACA. The government promised health care lobbyists that if health care insurers agreed to let go of the pre existing clause mandate, that the government would in turn allow a huge tax write off for several years ( 20, I think). Now the health care lobby wants the promised tax write off break and they want to with hold insurance for pre existing conditions as they see fit in order to maintain financial control and costs. Congress is getting paid by the health care lobby in the form of donations to propose legislation in favor of the health care lobby. It is a completely rigged system, and nobody involved really wants to actually provide worthwhile health insurance.
- TryWeakly
- 07-02-2017, 01:08 PM
^ nothing hobby related .....
- Shadowsinthedark
- 07-02-2017, 05:09 PM
If A provider got herpes from someone and couldn't get insurance for treatment would it be hobby related then? Just curious.
- TryWeakly
- 07-02-2017, 05:22 PM
Only if you hobby on said provider. But since you fail to see the point. This thread is not hobby related, tard.
Sorry to hear about your gift, though.
Sorry to hear about your gift, though.
- Shadowsinthedark
- 07-02-2017, 05:38 PM
Somebody took his asshole pill today.
- Guest070818-1
- 07-02-2017, 06:14 PM
That's cheap, I pay 4 times that. And at the end of the tax year I pay what is equivalent to 1 and half months gross receipts in taxes.You probably have a family/kids to take of. That $350 was for me and myself alone. I can't even begin to think of the cost if I had kids. *shudder*
I wish that I could have a tax free income like a hooker. But I would go to jail. Originally Posted by Kickrocks
Also, the girls who work at the ranches receive 1099s so they must file. Add in the 30% tax rate after Dennis Hoff's 50% cut and the take home pay is only 20%.
Not sure how these girls do it, but I sure as hell wish that I could write off condoms and lube!
- Shadowsinthedark
- 07-02-2017, 06:16 PM
Condoms, lube, and gas for travel.
- TryWeakly
- 07-02-2017, 07:03 PM
- Shadowsinthedark
- 07-02-2017, 07:14 PM
- Shadowsinthedark
- 07-02-2017, 07:16 PM
- live4fun
- 07-02-2017, 08:28 PM
so are you self insurance dropped out of any corporate insurance, dropped car insurance told TXDOT you are self insurance?
- GlobeSpotter
- 07-02-2017, 08:35 PM
- TryWeakly
- 07-02-2017, 08:47 PM
Lol. Exactly^
- TryWeakly
- 07-02-2017, 08:51 PM
Take a viagra too, then you can go screw yourself for a few hours. But if you get priapism be sure to thank your insurance when they cover the cost of the ER visit. Originally Posted by ShadowsinthedarkActually dont have a need to take a Viagra.
So ixnay on the ER visit. Keep trying sweetie. Dont forget to put up your showcase soon, hun.
And this is STILL not hobby related. Ijs