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  #621  
Old 08-03-2014, 04:42 PM
Chuck Chuck is offline
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Originally Posted by Whiskey View Post
Have you never had a health insurance policy?
Have you ever used a health insurance policy?
Yes I have. I always pay the bills though. Or at least my wife has I think.
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  #622  
Old 08-03-2014, 04:47 PM
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From all health insurance policies I have ever had and all P&C insurance policies I have ever worked on (besides WC High Dollar Deductible Plans) don't care at all if the deductible is actually paid or not. That dollar amount is the responsibility of the policy holder.

.....uh, it does matter.

Don't we have a thread on that "roof repair" scam somewhere?
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  #623  
Old 08-03-2014, 05:19 PM
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.....uh, it does matter.

Don't we have a thread on that "roof repair" scam somewhere?
In so much that the underlying claim is not fraudulently and systematically inflated to cover an anticipated write off of the entire subject deductible for all insureds (as is the case with roof repair and windshield repair scams), then the insurance carriers that I have worked for have not cared if the deductible was played by the insured or not.

Fraudulent insurance practices are a concern, but the deductible is written off significantly more often in non-fraudulent scenarios than in fraudulent ones.
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  #624  
Old 08-03-2014, 05:24 PM
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I bow to your superior information
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  #625  
Old 08-03-2014, 05:35 PM
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Once again, this is based purely on my time working for a Blue Shield and working for a personal lines P&C carrier. Different carriers could have different practices. However, I have never heard of a carrier ever requiring proof of deductible payment to a physician/repair shop/contractor/whatever.
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Bourbon(16)
Pappy Van Winkle-Family Reserve 15yr & lot "B" 12yr
Baker's 7yr
Blanton's
Knob Creek - 9yr
Basil Hayden
Maker's Mark - 46 & Cask Strength
Woodford Reserve
Jack Daniel's-Gentleman Jack, Single Barrel & Old #7
Four Roses Small Batch
Noah's Mill
Kirkland Bourbon - 7yr

Rye(6)
Angle Envy's - Finished Rye
Ravenswood Rye
Bulleit
High West - Double Rye
Whistle Pig - 10 yr
Old Overholt

Scotch(4)
Glenfiddich - The Distiller's Edition
Tomatin 12yr
The Dimple Pinch - 15 yr
Dewar's White Label

Irish(6)

Middleton Very Rare
Redbreast 12yr
Bushmill - Single Malt 16 yr
Connemarai
Jameson - Caskmates Stout and Regular
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  #626  
Old 08-03-2014, 06:35 PM
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I agree with Whiskey that for an insurance carrier, they don't care if the deductible is paid or not by the patient to the provider. That is the provider's problem.

Now as you trend more towards the HMO staff model where the carrier provides the care as well, the payment of deductible's becomes more relevant to the insurer. The lines are blurry here because they are also care providers.
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  #627  
Old 08-03-2014, 07:16 PM
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Great. So post this instead of some partisan hackjob op-ed, or post the partisan hackjob op-ed in political.

And the current estimate over the decade is 7 million. It was 4 million in 2011 and 2012.
Okay. I promise not to interfere with your opinion by interjecting facts that support my post into the discussion.
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  #628  
Old 08-04-2014, 12:52 AM
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Okay. I promise not to interfere with your opinion by interjecting facts that support my post into the discussion.
Spot on, Abnormal!
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That's been the funniest subplot of this whole thing, the people on the left attacking this bill for not being even more of a steaming pile. - erosewater
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  #629  
Old 08-04-2014, 02:47 AM
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Okay. I promise not to interfere with your opinion by interjecting facts that support my post into the discussion.
I have not offered any opinions, I merely pointed out that partisan fact-challenged articles like the one you posted should go in political and not the professional area. If you have a problem with the original CBO projections of how many people would lose employer coverage, post about the facts. IBD is notorious for being ridiculously partisan and either distorting the facts, providing misleading facts, or straight up lying. This post is rather nonsensical. The numbers you cited later on did not jive with the op-ed. The op-ed itself was a partisan rant that has no place here. We have a separate forum for that kind of thing.

Great, you don't like obamacare. Neither do I. And I express those opinions in the proper place, and try to keep the professional areas professional. The implication that you posted facts and I offered opinions is funny, and I'm happy to debate you in the proper section of the forum. Let's keep this one above the line.
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  #630  
Old 08-04-2014, 02:48 AM
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Spot on, Abnormal!
Thank you for this helpful contribution Brad. Welcome back. If you want to talk about obamacare let's go to political.
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