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Karin A Fleischhaker-Griffin

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· The Savvy Businessperson's Guide to Property & Casualty Insurance


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· SO YOU REALLY WISH TO BE A SALESPERSON?

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WAS CONGRESS QUALIFIED TO WRITE A HEALTH CARE PROGRAM
By Karin A Fleischhaker-Griffin
Last edited: Sunday, October 10, 2010
Posted: Sunday, October 10, 2010



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Recent articles by
Karin A Fleischhaker-Griffin

• How A Factory and a Bottle of New Skin Ruined my Career
• November 6 2012 - You have Lost
• My Daughter Tamara
• The Overview Experience produced by Story Musgrave
• CHANGES ARE COMING ----
• Cutting Foreign Aid and Drill Baby Drill
• SO YOU REALLY WISH TO BE A SALESPERSON?
           >> View all 29
Thank your Congress for higher Health Care Costs and fewer insurers and medical services

WAS CONGRESS QUALIFIED TO WRITE A HEALTH CARE PROGRAM?

 

 

Each State has rulings regarding who may be licensed, which companies and agencies may sell insurance and the types of insurance which may be sold. The insurance which may be sold usually pertains to demographics and the needs of individuals within each State or region.  Yet, isn’t it amazing that Congress in its infinite non-qualified wisdom has come up with a plan which is not even logical but yet is something which will be required by the masses to purchase without adhering to normal insurance principles which have been tested throughout the courts in determining fair, non-excessive and equitable rates based upon the exposures to be covered.

 

By not adhering to the insurance principals required of qualified licensed insurance professionals, Congress will again raise the cost of health insurance so that it will be unaffordable. Not only will a person or their employer be unwilling and unable to purchase insurance, but there will be fewer insurers to choose from.  Why? Because insurers are regulated and may only make certain profits (not-excessive) before being required to reduce their rates.

 

If one does not understand the terms of insurer exodus, just note the historical data on Windstorm insurance.  Although the Florida legislature brought forth a windstorm company to assist with future claims, the insurance costs increased substantially yearly, much of it in the way of additional taxes or levies attached to such premiums.  Yet, when private insurers such as State Farm, Allstate and others asked for a necessary increase in rates to retain its homeowners coverage in FL, they were denied, under the auspices of Charlie Crist, Alex Sink, and other legislatures’. Even those increases which were justly warranted were unacceptable.  Those insurers who remained were extremely selective or left the state.  Those insureds who were not the chosen ones had only one option, the State run insurer. So today in Florida, our rates have increased dramatically with fewer insurers willing and able to handle such insurance which would be totally unprofitable at the rates the State required insurers to charge. And why would these insurers have to charge higher prices in other states to cover those states where hurricanes are inevitable?  This would be poor business indeed. An average rate increase is acceptable but to charge other states totally for the hurricanes and fires of a few is not equitable. In fact the insurer surpluses required by the States to cover losses would be insufficient.

 

You can thank President Obama and your Democratic Congress for what will be higher insurance rates, fewer insurers and finally the majority having to purchase insurance from the Federal government, increasing your taxes.  The Federal Government did not have to undertake eminent domain from the States who justifiable were operating just fine.  The major reason for people not having insurance to begin with has to do with the employment rate.  And, frankly, I am sick of everyone blaming George W. Bush for their problems.  View history starting with President Regan onward, before blaming this president for your woes.  After all, he kept our country safe; he did not bow to other leaders, and if it had not been for the wonderful Democratic Congress, Freddie Mac and Fannie Mae would have been investigated early on because President Bush felt there was a problem.

 

  Let’s look at the major platform of the new Health Care program….”Preexisting Conditions”.  For the purposes of issuing individual health policies, insurers consider a preexisting condition to be one that the insured contracted (or one that was manifested) prior to the policy’s effective date.  In the event the insured did not specifically cite the condition on the application and the insurer did not expressly exclude the condition from coverage, the preexisting condition provision would serve to exclude the condition nonetheless.  However, such exclusions are subject to a time limit on certain defenses such as six to twelve months.  If a preexisting condition is disclosed clearly on the application, usually it is not excluded or if it is, it is shown on a waiver or rider.

 

The reason for this condition is that honesty and integrity is required in completing an application.  Those with existing impairments which increase the risk are required to pay an extra premium over and above those who do not have such conditions.  Yes it also may cause declinations in covering the impairment or issuing a policy.  That is where some States have policies which may be offered to those who have previously been declined.  Providing such coverage then will assure the individual with an existing impairment an additional resource to be covered but not cause all insurance rates to increase.

 

You may state, but President Obama is correct…but is he?  If one removes the pre-existing conditions or waiting period relating to a pre-existing condition, one has evoked what is called “Adverse Selection”.  What this means is that insurance is purchased only by those who realize they already have or believe they have impairment.  In fact since there no longer remains a pre-existing condition or waiting period, if you feel you have difficulty with your kidneys, or your heart, now is the time to purchase insurance…and you can drop it later once the problem is resolved.  In the meantime, insurers are paying for the large procedures and the insurance rates keep increasing exponentially.  And, if Government decides to limit the cost of each medical procedure, clinics and hospitals may not afford to operate and to pay the high costs of litigation because of alleged medical malpractice suits

 

Insurance is also based on the law of large numbers and although the government will require everyone to carry insurance, I wonder why logic was not utilized in the first place?  Why were not all insurers allowed to include input into the existing laws, and why was not an alternative considered.  The way things are now insurance rates will sky-rocket; there will be fewer insurers; and the government will take over the insurance benefits similar to other countries such as Canada where there are waiting lines to secure treatment, limited treatment,  fewer doctors, etc. 

 

Right now, there are signs in doctors’ offices stipulating they are not accepting new Medicare patients because they are losing money based upon the amounts they may charge. Yes, the government would provide subsidies perhaps to any insurance provided such as those provided under the Flood Insurance Program.  But, it would be far less expensive for these subsidies to assist a few than the current cost to run our economy down by a decrease in private business and increased unemployment.

 

But I am not without my own beliefs and although I have a detailed article relating to health care, I believe another way would work….based upon the law of large numbers and the requirement made by the government.

 

If the government demands that everyone carry insurance which would work with the law of large numbers, consider Major Medical Insurance only as being covered through the Federal Program. This type of coverage typically would pay for hospital room and board, hospital extras, nursing services in-hospital or at home, blood, oxygen, prosthetic devices, surgery, physicians’ fees, and ambulance.   The rates could be actuarially measured based upon the number of citizens in the United States combined with statistics for these visits from all insurance company criteria.  

 

The problem with providing free insurance for illegal aliens would be resolved because if they are not legally working in the country and paying taxes, no deductions would be made through tax deductions for such Major Medical Insurance.   Most individuals do not worry about everyday medical expenses which usually may be handled.  However, hospitalization could place them and their family backwards financially.  Yes this is similar to parts A and B of Medicare, so obviously someone was thinking when the program began and the seniors are currently paying under $100 for such coverage and will be subject to more possibly even $400 a month under Obama care.   Some of these seniors only get $300 a month and will be subject forever to be under Medicade.

 

Based upon the individual health criteria, those insurers participating would be assigned individuals based upon a balance of good and poor risks.  Insurers would be on the board of directors working with the government to resolve such issues and to retain rates which are fair, equitable and non-excessive.

 

Similar to the supplementary coverage (Not Part C of Medicare) provided to seniors, Private insurers then could cover other accidental, chronic and critical care based upon the rates required for such demographics as they currently are. Employers then could or could not elect to purchase such supplementary coverage for hospital benefits, covering the coinsurance of major medical, or coverage for physician visits and medications. This would retain the ability of free market enterprise and the ability to seek a better degree of care.  Those that could not afford such coverage then would be still provided Major Medical through the government.

 

This wonderful Democratic Congress of fossils such as Harry Reid and Nancy Pelosi must be removed with a younger and more dynamic group of individuals who will consider working with the Private Sector and decreasing the Public Sector. We are already in debt and if it is the current Democratic view to place the country in bankruptcy for future generations and allow a Communistic Socialistic role in government, and you agree, keep these fossils in Congress. 

 

In God we Trust.  Help us keep America alive!

 

 

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Reviewed by John Martin 10/11/2010
They didn’t write the bill, Karen…they didn’t even read the bill. That’s because it wasn’t really about health care at all. It was all about making the sausage. The first step in making sausage of course is to turn on the meat grinder. Then you grind everything to a pulp and shove it into intestines. Hence, they have taken away our private company paid health care insurance, ground it up, and are now shoving the mess up our intestines. Thus, Health care is now only for the privileged… and it now up to the privileged as to who shall be privileged and who shall not be privileged. Indeed, everyone is equal now and of course pigs are more equal than others.

Books by
Karin A Fleischhaker-Griffin



Those of Us On Earth- The New Arrivals

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The Dance of a Lifetime

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The Savvy Businessperson's Guide to Property & Casualty Insurance

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