<!DOCTYPE HTML PUBLIC "-//W3C//DTD HTML 4.01 Transitional//EN">
<html>
<head>
<meta content="text/html; charset=windows-1252"
http-equiv="Content-Type">
</head>
<body text="#000000" bgcolor="#ffffff">
There is certainly nothing wrong with the heart of the people who are<br>
crying for and demanding single payer health insurance.<br>
<br>
Unfortunately Single payer hacks at the leaves of the problem but
doesnt address the roots.<br>
Until the axe is laid to the root of the problem, the hapless average Jo<br>
will be repeatedly and brutally impaled and reamed out on the steel
davidgill of the system.<br>
<br>
The medical pharmaceutical insurance industrial complex has <br>
created a psychoMonopoly-world scenario with a gauntlet of <br>
Hotels to be run. It's your turn at the dice, bwaaa-ha-haaa...<br>
<br>
Rather than slaying the Jabberwock Iatros, the mome raths outgry for<br>
their gyring political thieves and mimsy bureaucrats, to rob the
government coffers to pay the<br>
tribute vicariously. How convenient. Makes all kinds of sense, too.<br>
The same mofos who brought you the same people who brought you<br>
the NDAA, TARP, the bailouts, Vietnam, Iraq, Afghanistan, the drug war,
and <br>
so many other delights, are going to pay the Jabberwock so it will lay
down and play nice.<br>
Hey, Dick Durbin buy us another ticket so that<br>
the fucking machine of the medical complex can ream us some more.<br>
<br>
It reminds me a bit of the cartoon situation where the protagonist<br>
is up in some tree and saws off the limb he is standing on.<br>
<br>
The single payer advocates imagine that the 99% are like the <br>
Road Runner and the tree falls over leaving them happily suspended in
mid air.<br>
<br>
Silly rabbi. Kicks are for twids.<br>
<br>
We are the medical industry, glad to be at your cervix.<br>
Our slogan: "Pay us, or we let you die."<br>
<br>
Have a nice day.<br>
<br>
<br>
<br>
<br>
<br>
<br>
On 8/15/2012 2:43 AM, David Johnson wrote:
<blockquote cite="mid:6B32F75D3E2646789B1438983D175B1F@owneryr3fp4mcb"
type="cite">
<meta content="text/html; charset=windows-1252"
http-equiv="Content-Type">
<meta name="GENERATOR" content="MSHTML 8.00.6001.19258">
<div><font face="Arial" size="2">
<div>Maybe it's time for someone to write that much needed paper,
"It's the Private Insurers, Stupid!"</div>
</font></div>
<div
style="font-family: arial; font-style: normal; font-variant: normal; font-weight: normal; font-size: 10pt; line-height: normal; font-size-adjust: none; font-stretch: normal; -x-system-font: none;"><br>
</div>
<div style="position: relative;" id="ygrp-mlmsg">
<div style="z-index: 1;" id="ygrp-msg">
<div id="ygrp-text">
<div class="gmail_quote">
<div class="gmail_quote">
<div>
<div class="h5">
<div>National Association of Insurance Commissioners (NAIC)</div>
<div>August 2012</div>
<div>Implementing the Affordable Care Act’s Insurance Reforms: </div>
<div>Consumer Recommendations for Regulators and Lawmakers</div>
<div><br>
</div>
<div>These materials were prepared to assist regulators, lawmakers,
and the National Association of Insurance Commissioners (NAIC) during
ongoing implementation of the comprehensive insurance reforms called
for by the Patient Protection and Affordable Care Act of 2010 (ACA).
The purpose of these recommendations is to convey the perspectives of
consumer advocates on appropriate standards and guidelines for
implementing these reforms, which will go into effect in 2014. </div>
<div><br>
</div>
<div>These recommendations are limited to the ACA’s insurance reforms
and do not address other critical reforms of equal importance to the
consumer representatives and millions of consumers, such as the
expansion of the Medicaid program, the implementation of health
insurance exchanges, the availability of federal subsidies, and the
need for meaningful consumer outreach and education, among others.</div>
<div><br>
</div>
<div>Table of Contents</div>
<div><br>
</div>
<div>Guaranteed Issue and Guaranteed Renewal</div>
<div><br>
</div>
<div>Elimination of Preexisting Condition Exclusions</div>
<div><br>
</div>
<div>Rating Reforms</div>
<div><br>
</div>
<div>Definition of the Small Group Market</div>
<div><br>
</div>
<div>Limitation on Waiting Periods</div>
<div><br>
</div>
<div>Coverage for Participating in Approved Clinical Trials</div>
<div><br>
</div>
<div>Essential Health Benefits, Including State-Mandated Benefits</div>
<div><br>
</div>
<div>Actuarial Value, Limitations on Cost-Sharing, and Catastrophic
Coverage</div>
<div><br>
</div>
<div>Stop Loss and Self-Insurance</div>
<div><br>
</div>
<div>Limited Medical Benefit Plans</div>
<div><br>
</div>
<div>Risk Adjustment</div>
<div><br>
</div>
<div>Reinsurance</div>
<div><br>
</div>
<div>Risk Corridors</div>
<div><br>
</div>
<div><a moz-do-not-send="true"
href="http://www.naic.org/documents/committees_conliaison_1208_consumer_recs_aca.pdf"
target="_blank">http://www.naic.org/documents/committees_conliaison_1208_consumer_recs_aca.pdf</a></div>
<div><br>
</div>
<div><br>
</div>
<div><font face="Arial">
</font></div>
<div>So what is this that makes it so important? It is a report
prepared for the National Association of Insurance Commissioners by
respected authorities who represent consumer interests (that is,
patients). It discusses details of reforms of private insurance that
should be considered as the Affordable Care Act is implemented.</div>
<div><br>
</div>
<div>It is important to understand the complexities and interactions
of the various private insurance reforms that should be considered. Two
things are clear: 1) They will never get the details aligned such that
the final product will serve the best interests of patients, and 2) The
complexities leave wide open the opportunities for the private
insurance industry to game the system - obviously for their own benefit
and not for the benefit of patients.</div>
<div><br>
</div>
<div>This report does not address many other important issues such as
the changes in Medicaid, the complexities of the private insurance
premium and out-of-pocket subsidies, the fate of the 30 million who
will remain uninsured, and, most importantly, how this highly flawed,
outrageously expensive, and highly fragmented model of reform is the
worst model to try to best serve the interests of consumers (oh yes,
patients).</div>
<div><br>
</div>
<div>Maybe it's time for someone to write that much needed paper,
"It's the Private Insurers, Stupid!"</div>
<div><br>
</div>
<br>
</div>
</div>
</div>
</div>
</div>
</div>
<div
style="margin: 0px 0px 25px; background: rgb(255, 255, 255) none repeat scroll 0% 0%; width: 160px; -moz-background-clip: border; -moz-background-origin: padding; -moz-background-inline-policy: continuous; float: right; clear: none;"
id="ygrp-sponsor"><!-- Start Recommendations -->
<!-- End Recommendations --></div>
<!-- |**|end egp html banner|**| -->
<div style="color: rgb(255, 255, 255); clear: both; font-size: 1px;">.</div>
</div>
<img moz-do-not-send="true"
src="http://geo.yahoo.com/serv?s=97359714/grpId=22124229/grpspId=1705063985/msgId=6115/stime=1344966572/nc1=3848642/nc2=5898816/nc3=5028925"
height="1" width="1"> <br>
<div style="height: 0px; color: rgb(255, 255, 255);">__,_._,___</div>
<!--~-|**|PrettyHtmlEnd|**|-~--><!--~-|**|PrettyHtmlStart|**|-~-->
<style type="text/css">#ygrp-mkp {
BORDER-BOTTOM: #d8d8d8 1px solid; BORDER-LEFT: #d8d8d8 1px solid; PADDING-BOTTOM: 0px; MARGIN: 10px 0px; PADDING-LEFT: 10px; PADDING-RIGHT: 10px; FONT-FAMILY: Arial; BORDER-TOP: #d8d8d8 1px solid; BORDER-RIGHT: #d8d8d8 1px solid; PADDING-TOP: 0px
}
#ygrp-mkp HR {
BORDER-BOTTOM: #d8d8d8 1px solid; BORDER-LEFT: #d8d8d8 1px solid; BORDER-TOP: #d8d8d8 1px solid; BORDER-RIGHT: #d8d8d8 1px solid
}
#ygrp-mkp #hd {
LINE-HEIGHT: 122%; MARGIN: 10px 0px; COLOR: #628c2a; FONT-SIZE: 85%; FONT-WEIGHT: 700
}
#ygrp-mkp #ads {
MARGIN-BOTTOM: 10px
}
#ygrp-mkp .ad {
PADDING-BOTTOM: 0px; PADDING-LEFT: 0px; PADDING-RIGHT: 0px; PADDING-TOP: 0px
}
#ygrp-mkp .ad P {
MARGIN: 0px
}
#ygrp-mkp .ad A {
COLOR: #0000ff; TEXT-DECORATION: none
}
#ygrp-sponsor #ygrp-lc {
FONT-FAMILY: Arial
}
#ygrp-sponsor #ygrp-lc #hd {
LINE-HEIGHT: 122%; MARGIN: 10px 0px; FONT-SIZE: 78%; FONT-WEIGHT: 700
}
#ygrp-sponsor #ygrp-lc .ad {
PADDING-BOTTOM: 0px; PADDING-LEFT: 0px; PADDING-RIGHT: 0px; MARGIN-BOTTOM: 10px; PADDING-TOP: 0px
}
A {
COLOR: #1e66ae
}
#actions {
PADDING-BOTTOM: 10px; PADDING-LEFT: 0px; PADDING-RIGHT: 0px; FONT-FAMILY: Verdana; FONT-SIZE: 11px; PADDING-TOP: 10px
}
#activity {
PADDING-BOTTOM: 10px; BACKGROUND-COLOR: #e0ecee; PADDING-LEFT: 10px; PADDING-RIGHT: 10px; FONT-FAMILY: Verdana; FLOAT: left; FONT-SIZE: 10px; PADDING-TOP: 10px
}
#activity SPAN {
FONT-WEIGHT: 700
}
#activity SPAN:first-child {
TEXT-TRANSFORM: uppercase
}
#activity SPAN A {
COLOR: #5085b6; TEXT-DECORATION: none
}
#activity SPAN SPAN {
COLOR: #ff7900
}
#activity SPAN .underline {
TEXT-DECORATION: underline
}
.attach {
PADDING-BOTTOM: 10px; PADDING-LEFT: 0px; WIDTH: 400px; PADDING-RIGHT: 0px; DISPLAY: table; FONT-FAMILY: Arial; CLEAR: both; FONT-SIZE: 12px; PADDING-TOP: 10px
}
.attach DIV A {
TEXT-DECORATION: none
}
.attach IMG {
BORDER-BOTTOM-STYLE: none; BORDER-RIGHT-STYLE: none; PADDING-RIGHT: 5px; BORDER-TOP-STYLE: none; BORDER-LEFT-STYLE: none
}
.attach LABEL {
DISPLAY: block; MARGIN-BOTTOM: 5px
}
.attach LABEL A {
TEXT-DECORATION: none
}
BLOCKQUOTE {
MARGIN: 0px 0px 0px 4px
}
.bold {
FONT-FAMILY: Arial; FONT-SIZE: 13px; FONT-WEIGHT: 700
}
.bold A {
TEXT-DECORATION: none
}
DD.last P A {
FONT-FAMILY: Verdana; FONT-WEIGHT: 700
}
DD.last P SPAN {
FONT-FAMILY: Verdana; FONT-WEIGHT: 700; MARGIN-RIGHT: 10px
}
DD.last P SPAN.yshortcuts {
MARGIN-RIGHT: 0px
}
DIV.attach-table DIV DIV A {
TEXT-DECORATION: none
}
DIV.attach-table {
WIDTH: 400px
}
DIV.file-title A {
TEXT-DECORATION: none
}
DIV.file-title A:active {
TEXT-DECORATION: none
}
DIV.file-title A:hover {
TEXT-DECORATION: none
}
DIV.file-title A:visited {
TEXT-DECORATION: none
}
DIV.photo-title A {
TEXT-DECORATION: none
}
DIV.photo-title A:active {
TEXT-DECORATION: none
}
DIV.photo-title A:hover {
TEXT-DECORATION: none
}
DIV.photo-title A:visited {
TEXT-DECORATION: none
}
DIV#ygrp-mlmsg #ygrp-msg P A SPAN.yshortcuts {
FONT-FAMILY: Verdana; FONT-SIZE: 10px; FONT-WEIGHT: normal
}
.green {
COLOR: #628c2a
}
.MsoNormal {
MARGIN: 0px
}
o {
FONT-SIZE: 0px
}
#photos DIV {
WIDTH: 72px; FLOAT: left
}
#photos DIV DIV {
BORDER-BOTTOM: #666666 1px solid; BORDER-LEFT: #666666 1px solid; WIDTH: 62px; HEIGHT: 62px; OVERFLOW: hidden; BORDER-TOP: #666666 1px solid; BORDER-RIGHT: #666666 1px solid
}
#photos DIV LABEL {
TEXT-ALIGN: center; WIDTH: 64px; WHITE-SPACE: nowrap; COLOR: #666666; FONT-SIZE: 10px; OVERFLOW: hidden
}
#reco-category {
FONT-SIZE: 77%
}
#reco-desc {
FONT-SIZE: 77%
}
.replbq {
MARGIN: 4px
}
#ygrp-actbar DIV A:first-child {
PADDING-RIGHT: 5px; MARGIN-RIGHT: 2px
}
#ygrp-mlmsg {
FONT-FAMILY: Arial, helvetica,clean, sans-serif; FONT-SIZE: small
}
#ygrp-mlmsg TABLE {
}
#ygrp-mlmsg SELECT {
FONT: 99% Arial, Helvetica, clean, sans-serif
}
INPUT {
FONT: 99% Arial, Helvetica, clean, sans-serif
}
TEXTAREA {
FONT: 99% Arial, Helvetica, clean, sans-serif
}
#ygrp-mlmsg PRE {
FONT: 100% monospace
}
CODE {
FONT: 100% monospace
}
#ygrp-mlmsg * {
LINE-HEIGHT: 1.22em
}
#ygrp-mlmsg #logo {
PADDING-BOTTOM: 10px
}
#ygrp-mlmsg A {
COLOR: #1e66ae
}
#ygrp-msg P A {
FONT-FAMILY: Verdana
}
#ygrp-msg P#attach-count SPAN {
COLOR: #1e66ae; FONT-WEIGHT: 700
}
#ygrp-reco #reco-head {
COLOR: #ff7900; FONT-WEIGHT: 700
}
#ygrp-reco {
PADDING-BOTTOM: 0px; PADDING-LEFT: 0px; PADDING-RIGHT: 0px; MARGIN-BOTTOM: 20px; PADDING-TOP: 0px
}
#ygrp-sponsor #ov LI A {
FONT-SIZE: 130%; TEXT-DECORATION: none
}
#ygrp-sponsor #ov LI {
PADDING-BOTTOM: 6px; LIST-STYLE-TYPE: square; PADDING-LEFT: 0px; PADDING-RIGHT: 0px; FONT-SIZE: 77%; PADDING-TOP: 6px
}
#ygrp-sponsor #ov UL {
PADDING-BOTTOM: 0px; MARGIN: 0px; PADDING-LEFT: 8px; PADDING-RIGHT: 0px; PADDING-TOP: 0px
}
#ygrp-text {
FONT-FAMILY: Georgia
}
#ygrp-text P {
MARGIN: 0px 0px 1em
}
#ygrp-text TT {
FONT-SIZE: 120%
}
#ygrp-vital UL LI:unknown {
BORDER-RIGHT-STYLE: none !important
}
</style><!--~-|**|PrettyHtmlEnd|**|-~--><!-- end group email -->
<pre wrap="">
<hr size="4" width="90%">
_______________________________________________
Peace-discuss mailing list
<a class="moz-txt-link-abbreviated" href="mailto:Peace-discuss@lists.chambana.net">Peace-discuss@lists.chambana.net</a>
<a class="moz-txt-link-freetext" href="http://lists.chambana.net/mailman/listinfo/peace-discuss">http://lists.chambana.net/mailman/listinfo/peace-discuss</a>
</pre>
</blockquote>
<br>
</body>
</html>