Does a liberal have the IQ to understand how Republican capitalist health care.....

[expatriate]

Hemmings' offspring have Jefferson DNA.

and there were many Jeffersons of course.

how many of them co-habitated with Sally Hemmings in Paris?

 

[EdwardBaiamonte]

Hemmings' offspring have Jefferson DNA.

and there were many Jeffersons of course.

how many of them co-habitated with Sally Hemmings in Paris?

house slaves cohabitated, so what???

 

[Annika55]

Since absolutely nothing about competition has been changed to date,

your liberal ignorance about education is exceeded only by your liberal ignorance about health care. Sorry.

Yes, nothing has been changed about competition to date, so that means competition is still illegal!!! If interestate competition is illegal then competition is illegal. Imagine if each state was its own toothpaste market and there was no national competition??? Live and learn, dear.

Please note that being a liberal will subject you to countless crushing defeats.

Competition may be limited, but there are still enough insurance companies competing to maintain the free market ecpectations.

I think I showed everything you wrote on the education thread was completely ignorant or simply lies. I posted recent test data from tests YOU praised to show that your comments were really stupid, comments like "The Soviet Union
produces the dumbest students in the world" while you simultaneously posted "The US produces the dumbest students in the world." Can you see the problem with your 2 posts (in addition to the fact that their actual scores on the test YOU presented as an excellent measure completely dubunks the accuracy of your posts.)

Yes sir, you called me stupid and liberal so there is no doubt your intellectual superiority won that debate.

There are health insurance companies competing in all states. It looks like there are more choices in insurance companies than choices in major grocery store chains.
Here are some random state options.*

Individual and Family Health Insurance Companies in Michigan

AARP-branded plans, insured by Aetna
Aetna
Blue Care Network
Blue Cross Blue Shield of Michigan
Celtic Insurance*
Health Alliance Plan
HealthPlus Insurance Company
Humana
IHC Group
Priority Health
UnitedHealthOne

Short Term Insurance Providers in Michigan
Assurant Health
HCC Life Insurance Company
Health Alliance Plan
IHC Group

Health Insurance Providers in Florida
HEALTH INSURERS IN FLORIDA
These companies offer individual and family plans.
Aetna
AvMed Health Plans
Blue Cross and Blue Shield of Florida
BlueOptions
Celtic Insurance Company
Connecticut General Life Insurance
Coventry Health and Life
Coventry Health Plan of Florida
Florida Health Care Plans
Humana

HEALTH INSURERS IN OHIO
These companies offer individual and family plans.
Anthem Blue Cross and Blue Shield
AultCare Insurance
Celtic Insurance Company
Coventry Health and Life
Health Plan of the Upper Ohio Valley
Humana
Kaiser Permanente
Medical Mutual of Ohio
Summa Insurance

Individual and Family Health Insurance Companies in Pennsylvania
AARP-branded plans, insured by Aetna
Aetna
Blue Cross of Northeastern Pennsylvania through its subsidiary First Priority Life Insurance Company
Capital Blue Cross
Geisinger Choice
HealthAmerica
Independence Blue Cross
UnitedHealthOne
Short Term Insurance Providers in Pennsylvania
Assurant Health
HCC Life Insurance Company
HII Underwritten by Companion Life
Health Insurance Innovations
IHC Group
UnitedHealthOne

 

[EdwardBaiamonte]

your liberal ignorance about education is exceeded only by your liberal ignorance about health care. Sorry.

Yes, nothing has been changed about competition to date, so that means competition is still illegal!!! If interestate competition is illegal then competition is illegal. Imagine if each state was its own toothpaste market and there was no national competition??? Live and learn, dear.

Please note that being a liberal will subject you to countless crushing defeats.

Competition may be limited, but there are still enough insurance companies competing to maintain the free market ecpectations.

I think I showed everything you wrote on the education thread was completely ignorant or simply lies. I posted recent test data from tests YOU praised to show that your comments were really stupid, comments like "The Soviet Union
produces the dumbest students in the world" while you simultaneously posted "The US produces the dumbest students in the world." Can you see the problem with your 2 posts (in addition to the fact that their actual scores on the test YOU presented as an excellent measure completely dubunks the accuracy of your posts.)

Yes sir, you called me stupid and liberal so there is no doubt your intellectual superiority won that debate.

There are health insurance companies competing in all states. It looks like there are more choices in insurance companies than choices in major grocery store chains.
Here are some random state options.*

Individual and Family Health Insurance Companies in Michigan

AARP-branded plans, insured by Aetna
Aetna
Blue Care Network
Blue Cross Blue Shield of Michigan
Celtic Insurance*
Health Alliance Plan
HealthPlus Insurance Company
Humana
IHC Group
Priority Health
UnitedHealthOne

Short Term Insurance Providers in Michigan
Assurant Health
HCC Life Insurance Company
Health Alliance Plan
IHC Group

Health Insurance Providers in Florida
HEALTH INSURERS IN FLORIDA
These companies offer individual and family plans.
Aetna
AvMed Health Plans
Blue Cross and Blue Shield of Florida
BlueOptions
Celtic Insurance Company
Connecticut General Life Insurance
Coventry Health and Life
Coventry Health Plan of Florida
Florida Health Care Plans
Humana

HEALTH INSURERS IN OHIO
These companies offer individual and family plans.
Anthem Blue Cross and Blue Shield
AultCare Insurance
Celtic Insurance Company
Coventry Health and Life
Health Plan of the Upper Ohio Valley
Humana
Kaiser Permanente
Medical Mutual of Ohio
Summa Insurance

Individual and Family Health Insurance Companies in Pennsylvania
AARP-branded plans, insured by Aetna
Aetna
Blue Cross of Northeastern Pennsylvania through its subsidiary First Priority Life Insurance Company
Capital Blue Cross
Geisinger Choice
HealthAmerica
Independence Blue Cross
UnitedHealthOne
Short Term Insurance Providers in Pennsylvania
Assurant Health
HCC Life Insurance Company
HII Underwritten by Companion Life
Health Insurance Innovations
IHC Group
UnitedHealthOne

AMA: 70 Percent Of U.S. Lacks Health Insurance Competition - Forbes
Nov 28, 2012 ... A new report says 70 percent of the commercial insurance markets are “highly
concentrated." The American Medical Association, which paid for ...
AMA: 70 Percent Of U.S. Lacks Health Insurance Competition - Forbes

 

[expatriate]

and there were many Jeffersons of course.

how many of them co-habitated with Sally Hemmings in Paris?

house slaves cohabitated, so what???

she got pregnant with one of his DNA-laden children while IN Paris.

 

[Annika55]

dear, if no one got sick there would be no insurance companies!!!! Can't you ask your Mom about these basics?????

It's always such a dilemma talking to you. Nominally, you're often on my 'side'. But damn, get some brains. Or maybe just don't type as much. Something...

do you think insurance companies could make money if no one ever got sick?? How??

Remember the typical human beings who followed HItler Stalin and Mao thought they were smart too. So did our liberals when they spied for Stalin.

Insurance companies know that healthy people are aware they might get sick. That is why people who can afford it, even when young and disease-free, buy health insurance. As long as people get sick, insurance companies will be around. Of course, the insurance company hopes it will never have to pay a penny on the healthy person's gamble.
On the other hand, health insurance companies would not choose to insure persons whom they recognize have medical conditions that could cost hundreds of thousands of dollars yearly, far more than the most expensive premiums.

Coverage Denied: How the Current Health Insurance System Leaves Millions Behind
“Pre-Existing Conditions” Affect Millions of Americans
A large proportion of Americans have health conditions that insurance companies can qualify as “pre-existing conditions.”
A pre-existing condition is a medical condition that existed before someone applies for or enrolls in a new health insurance policy. It can be something as prevalent as heart disease – which affects one in three adults1 – or something as life-changing as cancer, which affects 11 million Americans.2
But a pre-existing condition does not have to be a serious disease like cancer or heart disease. Even relatively minor conditions like hay fever, asthma, or previous sports injuries can trigger high premiums or denials of coverage.3
Unattainable Health Coverage
Insurance discrimination based on pre-existing conditions makes adequate health insurance unavailable to millions of Americans.
In 45 states across the country, insurance companies can discriminate against people based on their pre-existing conditions when they try to purchase health insurance directly from insurance companies in the individual insurance market.4 Insurers can deny them coverage, charge higher premiums, and/or refuse to cover that particular medical condition.
A recent national survey estimated that 12.6 million non-elderly adults5 – 36 percent of those who tried to purchase health insurance directly from an insurance company in the individual insurance market – were in fact discriminated against because of a pre-existing condition in the previous three years.6
In another survey, one in 10 people with cancer said they could not obtain health coverage, and six percent said they lost their coverage, because of being diagnosed with the disease.7
It is still legal in nine states for insurers to reject applicants who are survivors of domestic violence, citing the history of domestic violence as a pre-existing condition.8
Even when offering coverage, insurers can exclude whole categories of illnesses related to a pre-existing condition. For example, someone with a pre-existing condition of hay fever could have any respiratory system disease – such as bronchitis or pneumonia – excluded from coverage.9
Losing Coverage When You Need It Most
Thousands of Americans also lose health insurance each year through a practice called rescission.
When a person is diagnosed with an expensive condition such as cancer, some insurance companies review his/her initial health status questionnaire. In most states’ individual insurance market, insurance companies can retroactively cancel the entire policy if any condition was missed – even if the medical condition is unrelated, and even if the person was not aware of the condition at the time. Coverage can also be revoked for all members of a family, even if only one family member failed to disclose a medical condition.10
A recent Congressional investigation into this practice found nearly 20,000 rescissions from three large insurers over five years, saving them $300 million in medical claims11 – $300 million that instead had to come out of the pockets of people who thought they were insured, or became bad debt for health care providers.
At least one insurance company has been found to evaluate employee performance based in part on the amount of money an employee saved the company through rescissions.12 Simply put, these insurance company employees are encouraged to revoke sick people’s health coverage.
The Need for a Solution
High-risk pools, which have been used by states to cover the “medically uninsurable,” do not work.
Thirty-five states offer a high-risk pool for people who have been denied coverage in the individual insurance market or otherwise cannot obtain insurance.13 However, high-risk pools generally charge significantly higher rates than they charge for a healthy individual in the individual insurance market,14 meaning that only relatively high-income people can afford the coverage. One study estimated that only eight percent of the uninsurable population is able to enroll in high-risk pools, mainly because of high premiums.15
Benefits through a high-risk pool are also not guaranteed. Some state high-risk pools have annual caps on enrollment, or limit eligibility only to people who had prior group health coverage in the preceding 63 days. And one state high-risk pool has been closed to new beneficiaries since 1991.16
All high-risk pools also impose pre-existing condition exclusions for six months to one year, during which time care for the very condition that made someone uninsurable is not covered.17
Health Insurance Reform Will Provide Stability and Security for All Americans
Under health insurance reform, insurance companies will be prohibited from refusing coverage because of someone’s medical history or health risk.
Insurance companies will be required to renew any policy as long as the policyholder pays their premium in full. Insurance companies will not be allowed to refuse renewal because someone became sick.
And insurance companies will be prohibited from dropping or watering down insurance coverage for those who are or become ill.
Coverage Denied: How the Current Health Insurance System Leaves Millions Behind

 

[poet]

How does Thomas Jefferson's affair with Sally Hemmings, which is well document, in any way smear Jefferson or undermine America's founders? A lot of the founding fathers owned slaves and it was standard practice for slave owners to "pleasure" themselves with slave women. That's why there were so many "light-skinned" slaves, which were favoured as house slaves in southern households. Jefferson was a man of his time.

I think that knowing that Jefferson cared for a black woman, had children with her and freed those children, speaks very highly of Jefferson as a man and in no way undermines him.

Only a racist would view this as a smear.

Bravo Dragonlady! My thoughts exactly! Ed seems perfectly willing to excuse Tom's ownership of other humans, but balks at interracial romance. Racist indeed!

Special Ed and his kind believe that American slavery was the best thing to happen to Africans.

Apparently, they are not alone in that:
CPAC Participant Defends Slavery At Minority Outreach Panel: It Gave 'Food And Shelter' To Blacks | ThinkProgress

 

[poet]

Bravo Dragonlady! My thoughts exactly! Ed seems perfectly willing to excuse Tom's ownership of other humans, but balks at interracial romance. Racist indeed!

Special Ed and his kind believe that American slavery was the best thing to happen to Africans.

Thomas Sowell believes it anyway. He's only the worlds greatest expert on refugee movements. If the bird brain liberal disagrees with him please say why or admit you lack the IQ to support your feelings and that you have no idea that feelings are different from thoughts.

See why we are positive a liberal will be slow??

Thomas Sowell is a poster child "Stephin Fetchit Negro".

 

[EdwardBaiamonte]

Special Ed and his kind believe that American slavery was the best thing to happen to Africans.

Thomas Sowell believes it anyway. He's only the worlds greatest expert on refugee movements. If the bird brain liberal disagrees with him please say why or admit you lack the IQ to support your feelings and that you have no idea that feelings are different from thoughts.

See why we are positive a liberal will be slow??

Thomas Sowell is a poster child "Stephin Fetchit Negro".

Can you say why you disagree with Sowell or must you admit, as a typical liberal, that you lack the IQ to do so and thus are reduced to calling names like a child!

 

[poet]

Thomas Sowell believes it anyway. He's only the worlds greatest expert on refugee movements. If the bird brain liberal disagrees with him please say why or admit you lack the IQ to support your feelings and that you have no idea that feelings are different from thoughts.

See why we are positive a liberal will be slow??

Thomas Sowell is a poster child "Stephin Fetchit Negro".

Can you say why you disagree with Sowell or must you admit, as a typical liberal, that you lack the IQ to do so and thus are reduced to calling names like a child!

He's a black conservative....isn't that enough? It's incongruous with conventional wisdom.
You are always wont for others to explain themselves, but lack the ability of clarity and conscience when it comes to your outrageous claims and positions. And since my IQ is of no consequence, it being above the average for Caucasians, any discussion of it is off limits to you.
And never ask of others that which you are unable or unwilling to give yourself:

"See why we are positive a liberal will be slow??".....such as this trite "namecalling" you did.

 

[Annika55]

Quote: Originally Posted by expatriate*
He really is trollishly nonsensical at times... like he really KNOWS how completely off-kilter his "theories" are, yet he continues to present them as if they were perfectly reasonable.

Edward answered:
so why do they sell Life insurance to those 80+????? Why would there be no profit?????? Is there no profit on a Rolls Royce????

See why we have to be 100% certaion a liberal will be slow, to slow to understand the basics of capitalism.

Edward,

An insurance company will sell a 20 year old a life insurance policy at a very low rate. They assume they will be collecting premiums and not paying a cent for 60 years. Most likely, premiums will continue to rise over the insured man's lifetime. Health exams may be required after age 40 and at some point, renewal may not be possible. This is how insurance companies make money.

A life insurance company knows the odds are that it will be paying out on an 80 year old man within 5 or so years (depending on current life expectancy data). If the 80 year old chooses a $50,000 death benefit, the insurance company would have to charge an annual premium of OVER $10,000 a year to make a profit. If the 80 year old only survives a year or two, the company will lose money on the payout.
And that is why insurance companies do not choose to insure 80 years olds unless the premium is astronomical.

 

[Annika55]

Then why does the US have the most expensive health care in the world. If competition is driving your prices down, why does your health care cost 2 or three times as much as the rest of the world. It's not that much better than the rest of the world.

Dear, OP claims a liberal will lack the IQ to understand capitalist Republican health care; you have just proven the OP is 100% correct!! Thank you. Hopefully some good can come of it if you and other liberals have the character and IQ to learn, but sadly this is almost impossible for a liberal.

Anyway, US is most expensive because it is not capitalist at all!!
The six major liberal government health care programs—Medicare, Medicaid, the State Children’s Health Insurance Program (SCHIP), the Department of Defense TRICARE and TRICARE for Life programs (DOD TRICARE), the
Veterans Health Administration (VHA) program, and the Indian Health Service (IHS) program, plus, liberals have made capitalist competition among health insurance companies illegal!!


Our system is a socialist spaghetti mess compared to your single payer relatively less wasteful socialist mess.

All that will be way way over your head but perhaps you can discuss it with others and try your best to understand it?? Please try. This could be the start of a new life for you? Do you think you can do it? My fee is $0. I regard it as my democratic duty.

You are wrong about competition. I have pointed out that in most states consumers can choose from hundreds of insurance plans offered by 7 to 10 companies. Even when you are eligible for Medicare, there are numerous medicare advantage and supplemental plans. Insurance brochures flooded my mailbox.
It is also necessary to recognize that the majority of Americans have health insurance through their employers. Many large companies with many employees should have the clout to negotiate for the best prices since there are, in fact, plenty of companies to choose from (8 to 10 in most states). Despite the competition, as I posted, health care costs continue to rise.

 

[dblack]

Then why does the US have the most expensive health care in the world. If competition is driving your prices down, why does your health care cost 2 or three times as much as the rest of the world. It's not that much better than the rest of the world.

Dear, OP claims a liberal will lack the IQ to understand capitalist Republican health care; you have just proven the OP is 100% correct!! Thank you. Hopefully some good can come of it if you and other liberals have the character and IQ to learn, but sadly this is almost impossible for a liberal.

Anyway, US is most expensive because it is not capitalist at all!!
The six major liberal government health care programs—Medicare, Medicaid, the State Children’s Health Insurance Program (SCHIP), the Department of Defense TRICARE and TRICARE for Life programs (DOD TRICARE), the
Veterans Health Administration (VHA) program, and the Indian Health Service (IHS) program, plus, liberals have made capitalist competition among health insurance companies illegal!!


Our system is a socialist spaghetti mess compared to your single payer relatively less wasteful socialist mess.

All that will be way way over your head but perhaps you can discuss it with others and try your best to understand it?? Please try. This could be the start of a new life for you? Do you think you can do it? My fee is $0. I regard it as my democratic duty.

You are wrong about competition. I have pointed out that in most states consumers can choose from hundreds of insurance plans offered by 7 to 10 companies. Even when you are eligible for Medicare, there are numerous medicare advantage and supplemental plans. Insurance brochures flooded my mailbox.

It's not the number of providers or plans that provides meaningful competition. It's how much they vary in what they offer. And that's where the new regulations squelch competition. If all insurance companies are bound to the same minimum coverage requirements, their minimum coverage plans are all going to be pretty much the same. There are other ways they can compete, but given that the current model of group insurance has proven to be such a fantastic failure, the kind of competition we need the most is innovation around different approaches.

 

[EdwardBaiamonte]

And that is why insurance companies do not choose to insure 80 years olds unless the premium is astronomical.

dear, If I disagreed I'll pay you $10,000. Bet??? or run away with your strawman between your legs once again!!!

See why we are positive a liberal will be slow???

 

[EdwardBaiamonte]

You are wrong about competition.

too stupid!!how can it be competitive if liberals made competition illegal????????????????????

AMA: 70 Percent Of U.S. Lacks Health Insurance Competition - Forbes
Nov 28, 2012 ... A new report says 70 percent of the commercial insurance markets are “highly
concentrated." The American Medical Association, which paid for ...
AMA: 70 Percent Of U.S. Lacks Health Insurance Competition - Forbes

 

[EdwardBaiamonte]

He's a black conservative....isn't that enough? It's incongruous with conventional wisdom.

too completely stupid and 1000% liberal!!! Conventional wisdom put the earth at the center of the universe for 10,000 years and assumed blacks and others were born to be slaves.

As a liberal you are far too stupid to say why you disagree with Sowell's scholarship but your Nazi-like brainwashing makes you assume Sowell is mistaken!! Its very pathetic. Sorry

 

[poet]

He's a black conservative....isn't that enough? It's incongruous with conventional wisdom.

too completely stupid and 1000% liberal!!! Conventional wisdom put the earth at the center of the universe for 10,000 years and assumed blacks and others were born to be slaves.

As a liberal you are far too stupid to say why you disagree with Sowell's scholarship but your Nazi-like brainwashing makes you assume Sowell is mistaken!! Its very pathetic. Sorry

Whatever you say....as you know everything. LMAO.

 

[EdwardBaiamonte]

He's a black conservative....isn't that enough? It's incongruous with conventional wisdom.

too completely stupid and 1000% liberal!!! Conventional wisdom put the earth at the center of the universe for 10,000 years and assumed blacks and others were born to be slaves.

As a liberal you are far too stupid to say why you disagree with Sowell's scholarship but your Nazi-like brainwashing makes you assume Sowell is mistaken!! Its very pathetic. Sorry

Whatever you say....as you know everything. LMAO.

not everything but more than a perfectly illiterate bigot who would smear a man based on the color of his skin and not one single thing more!!!

 

[poet]

too completely stupid and 1000% liberal!!! Conventional wisdom put the earth at the center of the universe for 10,000 years and assumed blacks and others were born to be slaves.

As a liberal you are far too stupid to say why you disagree with Sowell's scholarship but your Nazi-like brainwashing makes you assume Sowell is mistaken!! Its very pathetic. Sorry

Whatever you say....as you know everything. LMAO.

not everything but more than a perfectly illiterate bigot who would smear a man based on the color of his skin and not one single thing more!!!

Bitch, stop lying on me. I did no such thing, mainly because I was taught that color is unimportant, and that only hearts and minds matter. You stupid lying bitch. Illiterate? I could out-think you on my worst day, and send you crying to the dictionary.

 

[EdwardBaiamonte]

Whatever you say....as you know everything. LMAO.

not everything but more than a perfectly illiterate bigot who would smear a man based on the color of his skin and not one single thing more!!!

Bitch, stop lying on me. I did no such thing, mainly because I was taught that color is unimportant, and that only hearts and minds matter. You stupid lying bitch. Illiterate? I could out-think you on my worst day, and send you crying to the dictionary.

Dear, you judged a man based on the color of his skin. I'd say that makes you a bigot!! Liberals do it all the time. They assume any black man who thinks for himself is defective.

We live a Christian world though so it is possible you could be forgiven. I can arrange it actually. If you read Sowell's book and report back to us any significant errors you find relative to our subject I'll see to it. Deal??