Ga. may forfeit health-insurance authority

“You can fix ignorant, but you can’t fix stupid,” state Sen. Steve Thompson of Marietta warned his colleagues last week. “And this bill is just stupid.”

Thompson was right, but 37 of his fellow senators went ahead and voted for House Bill 47 anyway. As a result, the health-insurance bill now sits in the hands of Gov. Nathan Deal, needing only his signature for final passage.

According to its champions, including state Rep. Matt Ramsey, R-Peachtree City, state Sen. Chip Rogers, R-Woodstock, and others, the bill merely allows the sale of individual health-insurance policies across state lines, which is a longtime conservative goal.

In fact, the model for the bill was provided by the American Legislative Exchange Council, a business-funded group based in Washington that markets conservative ideology to state legislators. That ideology holds that selling individual policies across state lines would increase competition and thus lower the price of health insurance.

But if you think it through, the practical consequence of the bill is to make the already unequal relationship between insurance company and customer even less favorable to the customer.

Under current law, individual health insurance policies sold in Georgia have to follow Georgia laws that were adopted by Georgia legislators to protect and benefit Georgians. Among other things, for example, such policies are required to cover breast-cancer screenings. Those laws are also enforced by a Georgia insurance commissioner.

Under HB 87, that would no longer be the case. Georgia regulations — and Georgia enforcement — would not apply. Companies from out of state could sell policies here as long as they abided by the rules and regulations that were in effect back in their home state.

In other words, by voting to approve the bill, Georgia legislators voted to cede regulatory control over their own citizens to unknown regulators in an unknown state, people with no incentive to care about what happens in Georgia or to Georgians. And they have done so for purely ideological reasons.

Now think about what happens if other states follow Georgia’s example: If insurance companies are bound only by the laws of the state where they’re headquartered, they will inevitably gravitate to the state that adopts the weakest regulations and takes the most pro-industry stance toward enforcement. And states will compete for that “honor” for the jobs it might bring.

That’s not mere conjecture. Why do most companies incorporate themselves in Delaware? Because at the turn of the 20th century, Delaware made a conscious decision to woo them by adopting very business-friendly laws.

The credit-card industry offers a more recent example. In 1980, New York-based Citibank went shopping for a state that was willing to enact extremely lenient laws covering the issuance of credit cards. It found a willing partner in South Dakota, which was starving for economic development. The state agreed to rewrite its banking laws, dropping interest-rate ceilings and other consumer-protection regulations, in exchange for getting a few hundred well-paying jobs.

“Citibank actually drafted the legislation,” then-Gov. William Janklow recalled later. “Literally we introduced it, and it passed our legislature in one day.”

At the moment, every state in the country has its own insurance regulator, and for good reason. States learned the hard way that without regulation and oversight, the insurance industry can be vulnerable to fraudsters and con men. (Most people in the industry today are honest people providing an honest service; the intent of oversight is to keep it that way.)

The net effect of letting companies “sell insurance across state lines” is to gut that state-based regulation in favor of lax or non-existent regulation. Such a step is particularly hypocritical given the emphasis that Rogers and others have placed on defending Georgia’s sovereignty. In effect, they’re now giving it away.

874 comments Add your comment

stands for decibels

April 19th, 2011
7:43 am

But if you think it through, the practical consequence of the bill is to make the already unequal relationship between insurance company and customer even less favorable to the customer.

think it through? It should’ve been bleedin’ obvious the first time anyone ever heard that stupid “across state lines! competition!” talking point fed to TeaTards two years ago.

I’m not saying that whenever you hear a Gooper say “competition” you have to add “in a race to the bottom” to it. I’m just saying it’s true approximately 99% of the time.

clanmack

April 19th, 2011
7:47 am

It would seem that our Republican conservative legislature has endangered their position on the President’s Health Care Reform-If I am not mistaken one of the elements of that reform is the requirement to purchase Health insurance or pay a penalty. This is built on the Constitutional power of the Federal Government to regulate Interstate Commerce. It sure looks like selling insurance across State lines is “interstate commerce” to me. HMMM! It sure seems as if the Air Traffic Controllers are not the only ones asleep on the job. And our legislature isn’t even working a night shift.

stands for decibels

April 19th, 2011
7:47 am

more about crime family running this state, in case you had forgotten…

http://www.ajc.com/news/georgia-politics-elections/senate-majority-leader-chip-833707.html?cxtype=ynews_rss

The brother of Senate Majority Leader Chip Rogers, R-Woodstock, has been hired as a communications specialist by the federally funded Race to the Top education improvement program, making him the latest relative of a prominent politician to receive a Capitol job.

Jon Rogers gave up his position as chief of staff for his brother after he was offered the other job in mid-January.

The Georgia Health Care Association, which receives more than $1 billion per year in state funding, earlier hired Clint Wilder, Gov. Nathan Deal’s son-in-law, as director of program development, and Sarah Denise Ralston, niece of House Speaker David Ralston, as an intern who is registered to lobby. Also, Matt Ralston, the House speaker’s son, was given a job as an intern by the GeorgiaLink Public Affairs Group.

Rightwing Troll

April 19th, 2011
7:49 am

Yeah… and slashing taxes creates jobs…

I’ve done the whole health insurance for small business owners thing, starting in 2003. Acceptable rate first year and 30% increases yearly, that first year is a loss leader, then they start to make it up. No doubt about it something needs to be fixed, I’m too simple minded to puport to have any of the answers… I wish some of the rocket scientists who live here were elected officials, they seem to have ALL the answers (that the heritage foundation gave them…)

Keep Up the Good Fight!

April 19th, 2011
7:50 am

The net effect of letting companies “sell insurance across state lines” is to gut that state-based regulation in favor of lax or non-existent regulation. Such a step is particularly hypocritical given the emphasis that Rogers and others have placed on defending Georgia’s sovereignty. In effect, they’re now giving it away.

Effectively national legislation by the cheapest state government you can buy. You can’t fix stupid, but apparently its very easy to buy.

Aquagirl

April 19th, 2011
7:51 am

Who cares if your wife dies of breast cancer when your ideological purity is at stake? We all know what’s more important to a GOP man.

TnGelding

April 19th, 2011
7:52 am

Gooper, pooper, where’d you get that blooper!

It gets curiouser and curiouser. Why does the media rarely challenge their unsubstaniated claims?

Rightwing Troll

April 19th, 2011
7:53 am

Why is it mostly us “libs” here before 8:00a, then the “conservatives” come kicking in the door and camp out here all day? Maybe they should get jobs, I hear the Tomato growers need people to help bring in the crops since we kicked all the illegals out of the state, it doesn’t pay as well as unemployment or workman’s comp but it’s an honest living (unless you’re an illegal, then it’s being a parasite…)

Redneck Convert (R--and proud of it)

April 19th, 2011
7:55 am

Well, this is Private Innerprize at its best. People can just hire a lawyer and chase down a out-of-state co. that refuses to pay claims or tries to cheat GA people. And we don’t need no stinking Insurance Commissioner. We can let other states bear the costs. We never needed guvmint regulation of insurance in the first place.

I just know other states will have the best interests of GA folks in mind. Besides, we can let the Market take care of insurance cos. that cheat folks. After a few thousand GA folks get cheated, they’ll stop buying from a cheating co. Of course, a few hundred people might have to die from lack of care first, but you got to crack some eggs to make a omelette.

It’s about time we got the Wild West back in insurance. Yep, Private Innerprize at its finest. Have a good day everybody.

stands for decibels

April 19th, 2011
7:56 am

Why does the media rarely challenge their unsubstaniated claims?

because most news gathering organizations are owned by about five huge multinational corporations. and they’ve been cowed into never asking shrill or rude questions of conservatives thanks to a well oiled campaign convincing gullible Americans that the media has a “liberal bias.”

I mean, duh.

anyway, gotta go produce. Have fun when the trolls show up with their “this is why Jay is a poopy-head” scripts.

N-GA

April 19th, 2011
8:03 am

If you are Coca-Cola, Delta, GE, IBM, etc., you solicit bids from health insurance companies and then enter into a contract with restrictions on annual increase. That’s called leverage!

Individuals who find it necessary to purchase “individual health-insurance policies” have no leverage. My insurer (Blue Cross/Blue Shield) notified me that the premium on the policy for my spouse and I was increasing to $2900/month. We’ve already gone thru the process of increasing deductibles and co-pays. Still we are “skrewed”. This law will only make things worse.

Pay me Now and Pay me again Later

April 19th, 2011
8:03 am

We had a health insurance policy from World Insurance Co. years ago. They were from out of state but apparently approved to do business here in the state (I’m sure Oxendine checked them out real well.). We had a claim with them and they basically screwed us when it came time to uphold their end of the contract. It wasn’t too much longer before they quit doing business in Georgia. That was a hard lesson. We will not do business with any place that we do not check out very thoroughly any more and we certainly will not be lured by attractive premiums to some out of state company because we already know how that story will likely end. It’s easy for some, the unethical and immoral, to make promises when they know they don’t have to keep them.

WOW #1

April 19th, 2011
8:10 am

“the bill merely allows the sale of individual health-insurance policies across state lines, which is a longtime conservative goal. ”

GREAT!!!!!!

“In other words, by voting to approve the bill, Georgia legislators voted to cede regulatory control over their own citizens to unknown regulators in an unknown state’

So, I know a half white, half black president who forced a bill down America’s throat that mandates that the federal government controls your health care.

“Now think about what happens if other states follow Georgia’s example: If insurance companies are bound only by the laws of the state where they’re headquartered, they will inevitably gravitate to the state that adopts the weakest regulations and takes the most pro-industry stance toward enforcement. And states will compete for that “honor” for the jobs it might bring.”

Gee, imagine that, Jay. Imagine having competition to bring down prices. Imagine being able to go out and choose cheaper insurance.

Why do you hate competition?

“Delaware made a conscious decision to woo them by adopting very business-friendly laws.”

Sort of like how the south woos businesses like VW, KIA, HONDA, NISSAN, BMW, MERCEDES etc to come down here because GASP!!!!!!, we’re business friendly instead of anti-business like the rust belt states.

“the insurance industry can be vulnerable to fraudsters and con men. ”

See: John Edwards, Barrack Hussein Obama and Ted Kennedy.

“(Most people in the industry today are honest people providing an honest service; the intent of oversight is to keep it that way.)

So why do your left wing followers demonize them by calling them evil?

“The net effect of letting companies “sell insurance across state lines” is to gut that state-based regulation in favor of lax or non-existent regulation.”

GOOOOOOOOOOOOOOD!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Mary Elizabeth

April 19th, 2011
8:11 am

“Allow(ing) the sale of individual health insurance policies across state lines” is a national Republican plan to fight the new health care law which President Obama supported. It appears that Georgia’s leaders have more loyalty to national Republican ideology than to the average citizen in Georgia, in that, if House Bill 47 becomes law, Georgia’s citizens could become victims of shady insurance companies located far from Georgia’s jurisdiction, and which may not honor claims when needed.

Many Georgians support the new national healthcare law which was passed last year and they want it to be implemented in Georgia. I hope that Georgia’s legislators will not stand in its way of being implemented in Georgia through their loyalty to national Republican ideology, regarding healthcare.

Below are the initial changes that are a result of the new healthcare law, effective Sept. 23, 2010.

– Insurance companies cannot terminate coverage for any reason other than customer fraud.

– They cannot cap the amount of benefits and treatment a person can receive in a lifetime.

– They cannot deny children coverage for preexisting conditions.

– They must allow children of covered parents to remain covered until the age of 26.

– They can no longer charge customers for preventive services like mammograms and colonoscopies.

– High-risk pools are mandated to cover those who have been denied coverage because of pre-existing conditions.

USinUK

April 19th, 2011
8:12 am

““You can fix ignorant, but you can’t fix stupid,” state Sen. Steve Thompson of Marietta ”

man, it’s quotes like that that make me miss the Ga Gen Assembly.

Doggone/GA

April 19th, 2011
8:12 am

And all they had to do was put in this wording: “can purchase insurance from any company whose policy meets Georgia state insurance law requirements”

WOW #2

April 19th, 2011
8:13 am

“Many Georgians support the new national healthcare law which was passed last year and they want it to be implemented in Georgia. ”

Where’s your proof, Mary? If that were true, GA would go back to being a blue state.

Also, if you hate this bill, move.

Remember, Delta is ready when you are.

Keep Up the Good Fight!

April 19th, 2011
8:14 am

half white, half black president

But but but its not about his race even though we bring up the subject as if it is relevant to a discussion about state law or even as if it is relevant to the passage of a federal law…

Once again, Steve Thompson’s words apply. Nothing can be fixed with the numbering poster.

USinUK

April 19th, 2011
8:16 am

“But but but its not about his race even though we bring up the subject as if it is relevant to a discussion ”

yep.

but he’s NOT a bigot. nope. not even a little bit :roll:

WOW #3

April 19th, 2011
8:16 am

“But but but its not about his race even though we bring up the subject as if it is relevant to a discussion about state law or even as if it is relevant to the passage of a federal law…”

And Crap up the Poop takes the bait.

I posted that JUST because I KNEW you’d bite, Poop.

Thanks for playing.

In other news, the half white, half black Kenyan doesn’t know what the passover was about. Imagine that.

Obama, the Interpreter of the Message of Passover

Passover recalls the bondage and suffering of Jews in Egypt and the miracle of the Exodus, but U.S. President Barack Obama says its message is reflected in Muslim uprisings.

http://www.israelnationalnews.com/News/News.aspx/143637

Jay

April 19th, 2011
8:16 am

So WOW, other than appeasing that substantial portion of your brain devoted to pettiness and childishness, what possible service is done by throwing that “half-white, half-black” nonsense into your diatribe?

Not that it lowered the intellectual content of the overall rant. It was in fact quite consistent with it.

retired early

April 19th, 2011
8:18 am

I was going to offer my opinion on this never ending series of industry friendly laws these GOP’ers come up with…but I don’t think I could top Senator Thompson…”You can fix ignorant, but you can’t fix stupid”.
Priceless

WOW #4

April 19th, 2011
8:19 am

“So WOW, other than appeasing that substantial portion of your brain devoted to pettiness and childishness, what possible service is done by throwing that “half-white, half-black” nonsense into your diatribe?”

Barrack Hussien Obama is half white and half black. Nonsense? So, are you saying he isn’t mixed, Jay?

“Not that it lowered the intellectual content of the overall rant. It was in fact quite consistent with it.”

Awwwwwwwwwwwwwe!!!!!!!!! LOLOLOL

Jonas

April 19th, 2011
8:21 am

What is very evident in this new needy society is the complete failure to follow a simple key to success. For every problem think of two solutions. Cancer survivor- chronically ill child- combined my small practice with a larger practice and went with a national peo. 1050/ month solid plan. We all can do better but I will tell you what will not work is looking to DC as if it is the holy grail. Get off your whiney asses and go do something.

Aquagirl

April 19th, 2011
8:24 am

What does the president’s ethnic background have to do with health insurance in Georgia?

Try as I might, I just can’t think like these people.

ty webb

April 19th, 2011
8:25 am

now now Jay,it seems that if obama’s apologists can always bring up race, then so can his critics. I wonder why you seem to only take issue with the latter? hmmmmm

Mary Elizabeth

April 19th, 2011
8:27 am

WOW #2 @ 8:13

Only 5% points separated the number of votes in Georgia for President Obama and for John McCain for President in 2008. Georgia has been identified as a state “in play” for the Democrats in the next presidential election. Even if a Democrat does not win the electoral votes in Georgia in 2012, having Republicans have to spend financial resources in Georgia to keep the state “Red” could effect their effectiveness in other states. The demographics in Georgia are changing. Look around and, also, take a look at the chart in the link, below.

http://www.270towin.com/states/Georgia

Mick

April 19th, 2011
8:28 am

It’s not about debate, just sabotage of a blog…

jt

April 19th, 2011
8:30 am

Progs………………….
..pro-choice on birth control.YES.

anything else………………..NO.

williebkind

April 19th, 2011
8:30 am

Aquagirl

April 19th, 2011
7:51 am
Hey, I thought you had planned parenthood for breast screening. How many duplications does a liberal need to understand?

Peadawg

April 19th, 2011
8:31 am

I don’t see what’s wrong with having more competition. Or is competition only ok when the other “insurance company” is a gov’t run single payer system?

WOW #4

April 19th, 2011
8:32 am

“other than appeasing that substantial portion of your brain devoted to pettiness and childishness”

Not my problem if you’re insecure about the presidents mixed race. Some of your followers like to throw out the “all-white” GOP card but for some odd reason you never ever have a problem with that. Besides, how many times have the words nazi racist humper been used and you said nary a peep?

“but he’s NOT a bigot. nope. not even a little bit”

I love it when whiny left wingers get their panties in a wad when someone from the opposite end of the political spectrum makes an observation.

“What does the president’s ethnic background have to do with health insurance in Georgia?”

Nothing, just made an observation and you, Keep, USUK and Jay all went berserk.

“I wonder why you seem to only take issue with the latter?”

Great question, ty.

“Only 5% points separated the number of votes in Georgia for President Obama and for John McCain for President in 2008.”

Not sure what that has to do with healthcare. Besides, Obama lost GA.

“The demographics in Georgia are changing.”

Yeah, but GA will not go blue anytime soon, Mary.

SOUTHERN ATL

April 19th, 2011
8:32 am

It would be good to know how our former Insurance Commissioner (John Oxendine) feels about these changes. Since he has given himself several licenses, he will probably have several connections to continue the “good old boy network”!!

USinUK

April 19th, 2011
8:32 am

aquagirl – 8:24 – that’s a good thing.

USinUK

April 19th, 2011
8:33 am

” I thought you had planned parenthood for breast screening”

screening, yes.

oncology, no.

Dave R.

April 19th, 2011
8:33 am

” Among other things, for example, such policies are required to cover breast-cancer screenings.”

You forgot to add; “and are priced accordingly, even if you don’t have breasts”.

Just as GA mandates coverage for obstetrician care, even if you or your husband is infertile, and that cost is built into your policy as well.

No, you can’t fix stupid, as is proven every day by the people who think government interference in private decisions is a good thing.

USinUK

April 19th, 2011
8:34 am

wow – the fact that you are a bigot doesn’t get my panties in a wad.

sorry to disappoint your obvious (and very sad) cry for attention.

AmVet

April 19th, 2011
8:35 am

The problem is a nut shell: “In fact, the model for the bill was provided by the American Legislative Exchange Council, a business-funded group based in Washington that markets conservative ideology to state legislators.”

As long as corporate interests dominate the legislative process, they win and the people lose.

“The liberty of a democracy is not safe if the people tolerate the growth of private power to a point where it becomes stronger than their democratic state itself. That, in its essence, is fascism – ownership of government by an individual, by a group,” ~Franklin D. Roosevelt

USinUK

April 19th, 2011
8:35 am

dave – “Just as GA mandates coverage for obstetrician care, even if you or your husband is infertile, and that cost is built into your policy as well.”

honey, you just said a mouthful – if you’re a woman of child-bearing age, you have to pay out the wazzoo for healthcare coverage, whether you plan to have children or not.

USinUK

April 19th, 2011
8:36 am

dave – but it has nothing to do with mandates

SOUTHERN ATL

April 19th, 2011
8:36 am

AmVet@8:35 well said!!!

WOW #7

April 19th, 2011
8:37 am

“wow – the fact that you are a bigot doesn’t get my panties in a wad.”

And USUK makes my point exactly. How many times can this British wannabe get away with calling me a bigot?

“sorry to disappoint your obvious (and very sad) cry for attention.”

LOLOL!!!!!!! USUK, you might be the most naive person, besides Poop Unicorn, on this blog.

poison pen

April 19th, 2011
8:37 am

Rightwing Troll

April 19th, 2011
7:53 am
Why is it mostly us “libs” here before 8:00a, then the “conservatives” come kicking in the door and camp out here all day? Maybe they should get jobs, I hear the Tomato growers need people to help bring in the crops since we kicked all the illegals out of the state, it doesn’t pay as well as unemployment or workman’s comp but it’s an honest living (unless you’re an illegal, then it’s being a parasite…)

Maybe it’s because they are working and post on their breaks or are retired, where are you? probably at work scaming your employer.

williebkind

April 19th, 2011
8:38 am

USinUK

USinUK

April 19th, 2011
8:33 am
Oncology? Is that the best you can come up with?

Keep Up the Good Fight!

April 19th, 2011
8:38 am

Well the good news of the day is that we finally have an answer to the question: What happens if Elmer Fudd and Wile E. Coyote had a love child and then that love child married Pinky (from Pinky and the Brain). “Be wery wery quiet, I am setting a twrap wowsy.” Although I think I am insulting the intelligence of the cartoon characters.
___________________

on the more intelligent side…. Pea the problem is not competition, the problem is a race for the bottom. Not all state regulation is equal and if Georgia says this regulation is good for our citizens, then the response is “we’ll still sell here but we’ll locate in X” so it in effect means that no good regulations will be passed. It beomes a wild west and consumers suffer.

Dave R.

April 19th, 2011
8:38 am

Here in GA it does, USinUK.

And btw, good morning! (or afternoon in your case) :)

Jay

April 19th, 2011
8:38 am

WOW, you put that label on yourself much more effectively and convincingly than anyone else could manage. Now you have to live with it.

Deirdre

April 19th, 2011
8:39 am

I admit to being at a loss for what to do about health insurance.

I absolutely do NOT want the gov’t interfering but some regulations have to be in place. However, I cannot recall a time when more regulations didn’t mean higher prices.

My relatives in the UK spend more than half their income on taxes. Who wants that? And a UK cousin just told me that mammograms are not covered until a woman turns 50. Her friend just got her first mammogram and stage 3 cancer was discovered.

My aunt in the UK couldn’t get cataract surgery until she was nearly blind.

And Canada’s system isn’t much better. Having lived on the Canadian border in Buffalo New York, I witnessed the stream of Canadians crossing the border to get healthcare here in the States.

We absolutely cannot use those systems as models for what to do about healthcare.

So where are the new ideas?

Jack

April 19th, 2011
8:40 am

Hey you boobs. Buying across state lines is an “Option” not a “Requirement”. So you think people in other states don’t want their coverage to be as complete as people in Georgia? I guess Georgia doesn’t have a corner on “stupid”.

Bosch

April 19th, 2011
8:40 am

Such a step is particularly hypocritical given the emphasis that Rogers and others have placed on defending Georgia’s sovereignty. In effect, they’re now giving it away.

TESTIFY!!!

poison pen

April 19th, 2011
8:43 am

What is wrong with competition? Jay writes about hypothesis that may never happen and all his bucket carriers believe him.
He also writes about Obamacare and how great that is without ever reading the bill or even understanding it, but if it was written by Pelosi then it must be great, we can read it after it’s passed.

WOW #8

April 19th, 2011
8:45 am

“if you’re a woman of child-bearing age, you have to pay out the wazzoo for healthcare coverage, whether you plan to have children or not.

WHAT THE HE!! ARE YOU TALKING ABOUT??????????? This is why I love USUK!!!! She writes these off the wall things that make absolutely no sense.

“Franklin D. Roosevelt”

Great quote by the guy who brought us the nanny state.

“screening, yes.’

Yeah, I’m sure women go to Planned Parenthood to get mammograms! LOL

Hey, no one has answered this simple question.

Why are there more Planned Parenthoods in poor black neighborhoods than anywhere else?

“As long as corporate interests dominate the legislative process, they win and the people lose.”

AmVet doesn’t realize that he’s blogging on a corporate newspaper website.

“you put that label on yourself much more effectively and convincingly than anyone else could manage. Now you have to live with it.

LOLOL!!!!! OH NOOOOOOOOO!!!!!!!! I have to live with knowing that a guy who goes around writing POOP SKITTLES thinks I’m a bigot!!!!!!!!!!!! LOL

As for USUK, yeah Jay, I’m just so torn up inside about what she thinks! I mean, she lives in a failing nanny state and she thinks I’m a bigot! What ever will I do????? (sarcasm for the unintelligent)

“My relatives in the UK spend more than half their income on taxes. Who wants that? And a UK cousin just told me that mammograms are not covered until a woman turns 50. Her friend just got her first mammogram and stage 3 cancer was discovered.”

OHHHHHHHHHHHHHH SNAP!!!!! Can’t wait for USUK to come back with one of her half-witted comments about Deidre!

USinUK

April 19th, 2011
8:45 am

willieb – 8:38 – considering cancer was the subject of Aquagirl’s post (”Who cares if your wife dies of breast cancer when your ideological purity is at stake?”), then not only is it “the best I can come up with”, it’s also 100% on-the-money

poison pen

April 19th, 2011
8:45 am

I have posted on this site about the taxes & cost of the UK Healthcare system I suggest that anyone Google it and see for yourself what they pay for their care.

TaxPayer

April 19th, 2011
8:45 am

So WOW, other than appeasing that substantial portion of your brain devoted to pettiness and childishness, what possible service is done by throwing that “half-white, half-black” nonsense into your diatribe?

There’s really no need to be so specific when referring to WOW’s posts.

Aquagirl

April 19th, 2011
8:46 am

willieb, if you have no job and no insurance, sliding-scale clinics are great. If you are employed and have health insurance that doesn’t cover a drug, service, or procedure, you’re totally screwed.

USinUK

April 19th, 2011
8:46 am

oh, and Hi Dave! :-)

williebkind

April 19th, 2011
8:47 am

Amvet:
“In fact, the model for the bill was provided by the American Legislative Exchange Council, a business-funded group based in Washington that markets conservative ideology to state legislators.”

So I can understand it you are inferring that progressive liberals do not have these organizations, individuals, or groups who lay out the doctrine for the “progressive way”? Sorros comes to mind immediately. Amvet the more you blog the more I am convinced that progressive liberals are far worse than fascism. Someone previously stated the only competition liberals want is one payer system, the government. FDR surely loved state operated jobs and programs.

RB from Gwinnett

April 19th, 2011
8:47 am

One of the serious problems we have with health insurance is nearly everybody thinks this is a plan that gets them $10,000 per year of healthcare services for $1,200. It doesn’t work that way.

We need to get the sniffles and sore throats out of the insurance plans and leave the insurance to the real medical needs. You don’t claim brakes or oil changes on your car insurance do you?

Aquagirl

April 19th, 2011
8:47 am

US in UK, if you had injected race into your post, you’d have been on topic for willieb.

SOUTHERN ATL

April 19th, 2011
8:49 am

Laws have always been unbalanced when it comes to issues concerning a woman’s healthcare and well being. Men should NEVER be allowed to make those FINAL decisions without the input of women…..The system has become too biased!!

williebkind

April 19th, 2011
8:50 am

Aquagirl

April 19th, 2011
8:46 am
I have seen people die from drugs but not from the lack of them. Of course the drug you need is the “ease of mind” that it will not cost me drugs.

md

April 19th, 2011
8:50 am

“At the moment, every state in the country has its own insurance regulator, and for good reason. States learned the hard way that without regulation and oversight, the insurance industry can be vulnerable to fraudsters and con men.”

“The net effect of letting companies “sell insurance across state lines” is to gut that state-based regulation in favor of lax or non-existent regulation.”

Seems the first sentence counters the second………………if the States have already “learned the hard way”, and all have regulators……..what’s the problem?

I didn’t see any brouhaha when the feds took away the States authority when implementing the hc bill…………

williebkind

April 19th, 2011
8:51 am

Aquagirl

April 19th, 2011
8:47 am
I will not tolerate being called a racist! Is that the best you can do racists.

USinUK

April 19th, 2011
8:52 am

wow – 8:45 – compare the premium costs for women between 20-50 to men in the same age group – they are more expensive

there are more PP clinics in poor neighborhoods (full stop) than in rich because the poor are the ones who need access to the free clinics, not the fine folks in Dunwoody.

as far as routine NHS mammography, http://www.cancerscreening.nhs.uk/breastscreen/under-50.html. however, if you have a history of it in your family, they will screen younger.

USinUK

April 19th, 2011
8:52 am

aqua – “if you had injected race into your post”

that’s wow’s game.

El Jefe

April 19th, 2011
8:52 am

I guess each state deciding for themselves is not progressive enough for the marxist pinheads out in leftie land.

I find it funny they are willing to forgo the ability to decide for themselves and let Uncle Joe decide for them.

Dave

April 19th, 2011
8:53 am

Why is this so bad? No one is FORCING you to buy a policy from another state. You just have the option.

I currently have a high deductible plan because it is what I believe works best for me. I don’t need coverage for everything, I’d rather save my money since I rarely go to a doctor, but if I have something major(broken bones, appendicitis, etc) I won’t get wiped out.

A problem I have with many liberals is that they don’t believe people are smart enough to make their own decisions(maybe I don’t want health insurance, should be my choice). If an out of state company’s policy is that bad, no one will buy it. We allow minimal coverage auto insurance and no one complains. Let the people decide what is right for their needs, don’t tell us what you think we have to have.

Normal

April 19th, 2011
8:53 am

DW

April 19th, 2011
8:53 am

I love it when the GOP pulls one over on the consumer for the benefit of big business. Typical.

Bosch

April 19th, 2011
8:53 am

“Buying across state lines is an “Option” not a “Requirement”.

For alot of people, it’s not — people buy what they can afford.

So you think people in other states don’t want their coverage to be as complete as people in Georgia?

Again, it has to do with the demographics. Say, a state like South Dakota that has a fraction of the population of Georgie, what do the Dakotians make compared to Georgians who need to buy insurance this way?

AmVet

April 19th, 2011
8:55 am

Thanks, SOUTHERN ATL.

“So I can understand it you are inferring that…”

Misunderstand what you will. It is a free country. But as you obviously have severe comprehension challenges with standard written English, it’s all good fun to watch you trip over your tongue and make bizarre and incredibly irrational conclusions.

Here is another FDR quote that I’m certain you will love…

A conservative is a man with two perfectly good legs who, however, has never learned how to walk forward. ~Franklin D. Roosevelt

Bosch

April 19th, 2011
8:56 am

“maybe I don’t want health insurance, should be my choice”

Sure Dave, but then those that chose not to buy it and have a major medical claim — we the people that are responsible and do buy it wind up paying for the irresponsible.

williebkind

April 19th, 2011
8:57 am

“I love it when the GOP pulls one over on the consumer for the benefit of big business. Typical.”

I love it when the liberals pulls one over the taxpayer for so called “free benefits” taxed to the consumer.

El Jefe

April 19th, 2011
8:57 am

DW,

Big business is in the business of making money, the government is in the business of spending my tax dollars – Hmm, such a hard choice. Business will be efficient, Government has never been efficient.

Aquagirl

April 19th, 2011
8:57 am

williebkind
April 19th, 2011
8:51 am

“I will not tolerate being called a racist!”

Well, hon, stop lining up alongside them and ignoring their bat guano ravings.

I do believe you when you say you’ve never seen someone die from lack of a drug. Although it happens all the time, attentiveness and compassion are foreign concepts to you.

Atlanta 1

April 19th, 2011
8:58 am

Why did they just not write the law that other insurance companies can sell in Georgia, but must adhere to Georgia state law.

I mean this is stupid – it’s a simple fix that would have achieved (competition) what was desired.

USinUK

April 19th, 2011
8:58 am

Bosch – 8:56 – I call it the “you can pay me now or you can pay me later” model.

TaxPayer

April 19th, 2011
9:00 am

Jay,

Your con posters seem to be choosing to ignore the point about the lack of regulation of these out-of-state companies.

Keep Up the Good Fight!

April 19th, 2011
9:01 am

Why did they just not write the law that other insurance companies can sell in Georgia, but must adhere to Georgia state law.

That is the current rule. Any insurance company can register as a foreign corporation in this state, agree to comply with the same rules imposed on any other insurance seller in this state, register as needed with the insurance commission and sell.

Bosch

April 19th, 2011
9:03 am

USinUK,

I find it funny that the wingnuts gripe and complain all the time about those lazy welfare recipients taking in the government dole, but let this pass based simply on ideological reasoning. Sure the “welfare recipients” will have Medicaid, and to be honest, I’ve always had a problem with certain segments of our population getting free medical care while others do not. But the ones who chose not to have medical insurance and aren’t on Medicaid? It’s really not fair to those of us who do. If you are of the mindset that we see here so often that “all must pay something” — and then gripe and complain about this HC bill — well, it’s simpy hypocrisy. But as we see so often, consistency isn’t a strong suit of those.

And single payer would fix that.

Keep Up the Good Fight!

April 19th, 2011
9:04 am

md

April 19th, 2011
9:05 am

“Sure Dave, but then those that chose not to buy it and have a major medical claim — we the people that are responsible and do buy it wind up paying for the irresponsible.”

Interesting……….to use this argument for and against.

The responsible ALWAYS pay for the irresponsible……..that is why it currently costs this country about 500 billion annually to pay for the “un-selfish” folks that choose to populate our prisons and drop out of our schools……………….

WOW #9

April 19th, 2011
9:05 am

“compare the premium costs for women between 20-50 to men in the same age group – they are more expensive ”

Uh……..USUK, women go to the doctors office more than men do. Ever think about that? Ever think?

“there are more PP clinics in poor neighborhoods (full stop) than in rich because the poor are the ones who need access to the free clinics, not the fine folks in Dunwoody.”

EHHHHHHHHHHH, wrong!!!!! Poor people/rich people? USUK, are you THAT naive? So their poorness makes a black woman more likely to get impregnated by 10 different black men?

Geez, did it ever occur to you that black women get pregnant by black men at a high rate? How many black children grow up not knowing who their daddy is? It has NOTHING to do with poverty and EVERYTHING to do with the family breakdown of the black community.

Now, feel free to call me a bigot again. LOL

“that’s wow’s game.”

Swing and a miss by USUK. Not surprising since the Brits suck at sports.

“I’ll repost this one for WOW…The REAL rreason he’s a hater…”

THAT was funny, but no Normal. I don’t have penis envy from a man whose wife looks like Chewbacca.

“Your con posters seem to be choosing to ignore the point about the lack of regulation of these out-of-state companies.”

No, you just didn’t read every post, Tax. Not surprising either. More regulation equals higher prices and less competition.

Fletch

April 19th, 2011
9:06 am

RB from Gwinnett – “We need to get the sniffles and sore throats out of the insurance plans and leave the insurance to the real medical needs.”

AMEN! That is the single reason why insurance costs are so high in this country. Oh no, little Johnny has a sniffle. Do I give him some Dimetapp and let him rest, or should I run him down to the ER “just to be sure”. I have the same issue with Workers Comp. it’s amazing to me that the same injuries that people suffer at home and never go to the Dr. for, suddenly become dibilitating injuries that require extensive therapy and recovery under Workers Comp.

md

April 19th, 2011
9:07 am

“Your con posters seem to be choosing to ignore the point about the lack of regulation of these out-of-state companies.”" – Tp

“At the moment, every state in the country has its own insurance regulator, and for good reason. States learned the hard way that without regulation and oversight, the insurance industry can be vulnerable to fraudsters and con men.” – Jay

USinUK

April 19th, 2011
9:08 am

“And single payer would fix that.”

not to mention, it would make our companies more competitive against companies located in countries (sorry, “failing nanny states”) like Germany, France and the UK

Southern Comfort (aka The Man)

April 19th, 2011
9:08 am

And all they had to do was put in this wording: “can purchase insurance from any company whose policy meets Georgia state insurance law requirements”

I think state Sen. Thompson has already explained why they didn’t do such a thing when he said, “You can fix ignorant, but you can’t fix stupid.” That quote should be put on bumper stickers, buttons, tshirts, pencils, or anything else that it fits on. If I was a NASCAR team owner, I’d put that on my cars for everyone to see.

Good little liberal

April 19th, 2011
9:09 am

Are liberals on this board actually complaining about a sweetheart deal given to Health Insurance Companies by the state government?

And these are the same people who are totally in bed with Obama Care which has given Health Insurance companies record profits and stand to give them even higher profits once the bill is completely enacted.

The hypocrisy is staggering. Well, that’s not true. It’s actually expected. After all, it is Obama, the man that was going to close gitmo, fix the economy and get us out of two wars.

getalife

April 19th, 2011
9:10 am

The State of Texas is on fire do you might not want to buy insurance there.

wow is a racist?

Well, his take on the racist email was proof to that fact.

Bosch

April 19th, 2011
9:11 am

“And these are the same people who are totally in bed with Obama Care”

Assuming gets you no where — I’m no where near totally in bed with this HC Bill.

USinUK

April 19th, 2011
9:12 am

Bosch – 9:11 – you’re not that kind of guy.

Dave R.

April 19th, 2011
9:12 am

” “You can fix ignorant, but you can’t fix stupid.” That quote should be put on bumper stickers, buttons, tshirts, pencils, or anything else that it fits on. If I was a NASCAR team owner, I’d put that on my cars for everyone to see.”

But doesn’t that explain NASCAR fans, SoCo? ;)

I mean, c’mon . . . watching cars go around in a circle for hours?

Just sayin’.

Southern Comfort (aka The Man)

April 19th, 2011
9:13 am

We need to get the sniffles and sore throats out of the insurance plans and leave the insurance to the real medical needs.

Now I know why Japan is doing the extended version of Prince’s Housequake. I actually agree with something that RB has posted. In all seriousness, I think that is a big problem with our system as it works today.

You don’t claim brakes or oil changes on your car insurance do you?

Nope, but an oil change isn’t jacked up astronomically as much as a pain pill is at the hospital either. When a single alcohol prep pad costs you $10 or more, there’s something wrong with the pricing.

md

April 19th, 2011
9:14 am

“I mean, c’mon . . . watching cars go around in a circle for hours?”

Really…..all one has to do is watch sportscenter……..they show all the good wrecks and the finish……

Steve

April 19th, 2011
9:15 am

Our current way of managing health care costs in this country continues to spiral out of control as the greed of the insurance companies trump our ability to pay for medical issues.

I have family in Canada and they love their health care system. Nobody there goes bankrupt if they run into an expensive health issue. They wait for services similar to how WE WAIT here. It took me two months to get to a dermatologist recently, a good one.

You put more people into the pool and eliminate the greed/profits of the insurance middle man, and you save money for everyone.

It’s not rocket science. But you people on the “right” are not thinking outside of your brainswashed bumper sticker mentalities of fear fear fear.

Bosch

April 19th, 2011
9:15 am

“Now I know why Japan is doing the extended version of Prince’s Housequake. I actually agree with something that RB has posted.”

LOL SoCo — I thought the same thing. I mean, that’s pretty obvious that we need to get minor illnesses out of the ER, and there are simple solutions to that such as more free health clinics in poorer neighborhoods.

~~~~~~~~~~~~

USinUK,

Who says? :-)

DebbieDoRight

April 19th, 2011
9:16 am

Laws have always been unbalanced when it comes to issues concerning a woman’s healthcare and well being. Men should NEVER be allowed to make those FINAL decisions without the input of women…..The system has become too biased!!

(As Bosch would say) TESTIFY!!! When viagara for men is cheaper than birth control for women, there is a distinct bias working overtime.

Good little liberal

April 19th, 2011
9:16 am

Bosch

Yes, you want government control of all healthcare as long as rich people pay for it. I know what you mean. I want rich people to pay off my house and where is that Ferrari that they should be buying me? I think it is a civil right that I should have a paid vacation to St. Thomas at least twice a year. Sugar Bay Resort would do just fine, thank you. Can you get on that, Bosch?

Here’s an idea: Work hard and buy your own stuff . . . nah. I forgot. Liberals just don’t think like that.

Southern Comfort (aka The Man)

April 19th, 2011
9:18 am

Dave

Think you can run 200mph with cars inches away from you on all four sides for 3 hours inside a car that’s about 150 degrees? There’s a wee bit more about it than just turning left, although there can be horrendous consequences if you miss one of those left turns (or right turns at Watkins Glen and Sonoma). ;)