Budget Office: Obama's Health Law Reduces Deficit

[Bob Sacamano]

Well, I guess that a fair statement about employment.

Full time or unemployed...........nothing in between.

Part-time.

 

[Hoofbite]

Seriously. I've never been asked to fill out a medical questionnaire or submit to a physical to get my employee sponsored medical.
Hoofbite may be self-employed.

I've filled out a couple of medical questionnaires for insurance.

They ask about past history, smoking, height and weight. Any current prescriptions.

You could go to a number of sites and walk through the steps to apply but not actually apply and you'd likely get hit with those questions.

 

[Bob Sacamano]

I've filled out a couple of medical questionnaires for insurance.

They ask about past history, smoking, height and weight. Any current prescriptions.

You could go to a number of sites and walk through the steps to apply but not actually apply and you'd likely get hit with those questions.

Insurance, dude...insurance.

 

[Hoofbite]

Insurance, dude...insurance.

Insurance.

 

[Bob Sacamano]

Insurance.

We're talking about medical benefits.

 

[jeebus]

I'm a fan of a national health care system no matter who had implemented it. Just so happens that Obama promised it and then delivered. No small task, even for such a great president.

Great president? The man delivered one thing in office, and he did it badly. Reasonable people can disagree whether a national health care system was needed, but it takes a moron to not see that this was a bad one.

 

[Hoofbite]

We're talking about medical benefits.

Tell me bob, what exactly is included in your "medical benefits".

 

[Bob Sacamano]

Tell me bob, what exactly is included in your "medical benefits".

Insurance isn't!

 

[Hoofbite]

Insurance isn't!

So you buy an individual policy for yourself?

 

[Bob Sacamano]

So you buy from an individual policy for yourself?

No, it's offered though.

 

[Hoofbite]

No, it's offered though.

Your employer buys your insurance?

 

[Bob Sacamano]

Your employer buys your insurance?

Yes. I think it's free, idk, I have to look over the paperwork again.

 

[Hoofbite]

Yes. I think it's free, idk, I have to look over the paperwork again.

And you don't consider this a medical benefit?

 

[Bob Sacamano]

And you don't consider this a medical benefit?

Not really.

For the sake of argument.

 

[Hoofbite]

Not really.

For the sake of argument.

So they provide.........what?

 

[Bob Sacamano]

So they provide.........what?

Medical
Dental
Vision
Psychological

for starters.

 

[Hoofbite]

Medical
Dental
Vision
Psychological

for starters.

Well hell bob, you totally made me feel better about my insurance purchase because half of that is included in my plan.

I'm curious as to what you actually consider insurance if medical and psychological services aren't a part of that.

 

[Bob Sacamano]

Well hell bob, you totally made me feel better about my insurance purchase because half of that is included in my plan.

I'm curious as to what you actually consider insurance if medical and psychological services aren't a part of that.

Anything to do with health and wellness.

 

[Hoofbite]

Anything to do with health and wellness.

There's a serious disconnect somewhere.

 

[dbair1967]

I never said it was. Furthermore, it doesn't have to be true across the board.

It happens. People get denied coverage. If most employers offer health insurance plans, and employees can't be denied, why do insurance companies sell individual policies? How is there a market for it? All the unemployed who can't pay? That's their target market?

http://www.kaiserhealthnews.org/stories/2011/september/12/insurance-denials.aspx

Individual plans are more competitive in alot of cases, for people that can get approved. Its particularly attractive to younger, heathier males and families. Self employed are another big target market of individual plans.

In most states, you have to have two fulltime employees to be considered a "group" (there are a few exception, like Florida). Thats why there is an individual market.