Wednesday, November 15, 2006

HillaryCare "...may be a bad dream for some."

I heard the Dhimmicretin candidate for lieutenant governor campaigning here in Atlanta, say that small employers couldn't buy health insurance and the dhimmicretins needed to help them. I am an insurance agent that specializes in entrepreneurial companies with less than 50 employees. I consider them small employers. Under current law, a group health insurance company is not allowed to refuse to offer coverage for employee groups from 2 to 50. The rate increase allowed for medical conditions existing in the group must be filed with the state insurance commissioner and the maximum ranges from 48% to 67% increases from the preferred rates. So just whom was he talking about? I don't think he knows other than it sounds good. Which I think is the actual condition of most people that blather about health insurance.

For example, I had a group of 35 that had three cases of HIV in the group. I was able to offer their group single rates from $175 per month to $320 per month. They chose the most expensive because they wanted the insurance company to pay the most. The company also paid all but $10 per month on the single rate. (The normal amount is 50% of the single rate.) The other thing that is worth noting is most people have higher deductibles on their car insurance than they do on their medical insurance, because they do not buy car insurance to pay for their oil changes, but they do buy medical insurance so that they can pay $20 instead of $60, for a physician to say. "Why yes, you do have a cold, no, you don't need antibiotics unless it gets worse, because you'll heighten your resistance to the antibiotics.”

Another thing they need to consider is this new health plan is going to be brought to you by the same people that brought you Medicare and HMOs. Oh did you forget that the much maligned HMO was a creation of the government? You ain't seen nothing yet.

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