Quote:
Originally Posted by zimmy
Based on what you are saying, the Catholic church pays for birth control anyway, unless they use a company that does not cover birth control at all. The price the employer is quoted is affected by everyone insured by the insurance provider, not just one particular employer. Obama was wrong to require Catholic organizations to directly fund the contraception. By shifting it to the insurance company, it is not specifically covered by the church.
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"the Catholic church pays for birth control anyway"
If it's used as medicine (which is rare), they pay for it. The vast majority of women on birth control are not using it for medicinal purposes, but for "recreation", I don't know what else to call it.
"The price the employer is quoted is affected by everyone insured by the insurance provider, not just one particular employer"
Absolutely, 100% not true. I do this for a living. In quoting premiums for the vast majority of our customers (employers), we look at how much money that employer costs us in the form of benefits. If the church was one of our customers, and now they're forced to offer more benefits than before, that means my health insurance company will have higher benefits paid than before, which means the church must pay a higher premium. In order for my profit margin (as the insurance company) to stay the same, I have to raise my rates for the Church.
Zimmy, trust me on this. The premium you pay for any insurance policy is the expected value of what the insurance company will pay out in benefits, plus expenses (rent on the building, etc) plus a small profit load. In this case, when you increase coverage, that necessarily means that the insurance company will pay more dollars out in the form of benefits, which necessarily means they increase the premium.
Think of your auto policy. Let's say you only have liability coverage, not physical damage. If you call your agent (or company) and tell them you want to add physical damage coverage to your vehicle, you don't fully expect to pay more? You
have to pay more.
"By shifting it to the insurance company, it is not specifically covered by the church"
I do not know what planet you, or Obama, live on. Zimmy, from where do you think businesses get their money? From revenue, from the customer. When a business has an increase in expenses, that is almost always passed on the customer. In this case, when an insurance policy is modified to increase coverage, it is always associated with an increase in costs. Always...
If what you and Obama said was true, that would mean you could get something for nothing. The real world doesn't work that way Zimmy. When the feds take money from businesses (through tax hikes, raising the minimum wage, whatever), the businesses pass that expense on to the customer.
Zimmy, neither you nor Obama can claim that taking money from business somehow "spares" the customers of that business from paying more. It may sound great in a press conference. But it's completely ridiculous, and I bet you know that.