[Peace-discuss] NAIC consumers' report on ACA's private insurance reforms

[E. Wayne Johnson]

There is certainly nothing wrong with the heart of the people who are
crying for and demanding single payer health insurance.

Unfortunately Single payer hacks at the leaves of the problem but doesnt 
address the roots.
Until the axe is laid to the root of the problem, the hapless average Jo
will be repeatedly and brutally impaled and reamed out on the steel 
davidgill of the system.

The medical pharmaceutical insurance industrial complex has
created a psychoMonopoly-world scenario with a gauntlet of
Hotels to be run.  It's your turn at the dice, bwaaa-ha-haaa...

Rather than slaying the Jabberwock Iatros, the mome raths outgry for
their gyring political thieves and mimsy bureaucrats,   to rob the 
government coffers to pay the
tribute vicariously.  How convenient.  Makes all kinds of sense, too.
The same mofos who brought you the same people who brought you
the NDAA, TARP, the bailouts, Vietnam, Iraq, Afghanistan, the drug war, and
so many other delights, are going to pay the Jabberwock so it will lay 
down and play nice.
Hey, Dick Durbin buy us another ticket so that
the fucking machine of the medical complex can ream us some more.

It reminds me a bit of the cartoon situation where the protagonist
is up in some tree and saws off the limb he is standing on.

The single payer advocates imagine that the 99% are like the
Road Runner and the tree falls over leaving them happily suspended in 
mid air.

Silly rabbi.  Kicks are for twids.

We are the medical industry, glad to be at your cervix.
Our slogan:  "Pay us, or we let you die."

Have a nice day.






On 8/15/2012 2:43 AM, David Johnson wrote:
> Maybe it's time for someone to write that much needed paper, "It's the 
> Private Insurers, Stupid!"
>
> National Association of Insurance Commissioners (NAIC)
> August 2012
> Implementing the Affordable Care Act’s Insurance Reforms:
> Consumer Recommendations for Regulators and Lawmakers
>
> 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.
>
> 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.
>
> Table of Contents
>
> Guaranteed Issue and Guaranteed Renewal
>
> Elimination of Preexisting Condition Exclusions
>
> Rating Reforms
>
> Definition of the Small Group Market
>
> Limitation on Waiting Periods
>
> Coverage for Participating in Approved Clinical Trials
>
> Essential Health Benefits, Including State-Mandated Benefits
>
> Actuarial Value, Limitations on Cost-Sharing, and Catastrophic Coverage
>
> Stop Loss and Self-Insurance
>
> Limited Medical Benefit Plans
>
> Risk Adjustment
>
> Reinsurance
>
> Risk Corridors
>
> http://www.naic.org/documents/committees_conliaison_1208_consumer_recs_aca.pdf
>
>
> 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.
>
> 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.
>
> 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).
>
> Maybe it's time for someone to write that much needed paper, "It's the 
> Private Insurers, Stupid!"
>
>
> .
>
> __,_._,___
> ------------------------------------------------------------------------
>
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>    

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