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

Tue Aug 14 23:10:49 UTC 2012

I suggest that everyone watch the movie "A Bug's Life" again.

The Grasshoppers are the davidgills like David Gill and his ilk in the
Medical-pharmaceutical-insurance establishment.

On 8/15/2012 4:13 AM, E. Wayne Johnson wrote:
> 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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