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| Political Threads This section is for Political Threads - Enter at your own risk. If you say you don't want to see what someone posts - don't read it :hihi: |
03-08-2010, 04:04 PM
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#1
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Keep The Change
Join Date: Oct 2000
Location: The Road to Serfdom
Posts: 3,275
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RIJ is right, th eway you get the insurance companies under control is to allow them to compete across state lines and open up COMPETITION at worst service will stay where it is and rates will go down.
Need an example???? Look at your phonebill, since MA Bell got broken up prices have come down considerably, I remember paying $1.00/minute from Boston to Providence in the 80's...
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“It’s not up to the courts to invent new minorities that get special protections,” Antonin Scalia
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03-08-2010, 04:15 PM
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#2
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Registered User
Join Date: Jul 2004
Posts: 10,306
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Quote:
Originally Posted by Fishpart
RIJ is right, th eway you get the insurance companies under control is to allow them to compete across state lines and open up COMPETITION at worst service will stay where it is and rates will go down.
Need an example???? Look at your phonebill, since MA Bell got broken up prices have come down considerably, I remember paying $1.00/minute from Boston to Providence in the 80's...
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The difference is that there are very little differences is providing the service in terms of your costs compared to location. A phone call in MA shouldn't be that much different that one in Okl.
With insurance, the costs depend greatly on where the service is provided. Do you think an insurance company is going to let someone living in NY buy insurance at Okl. rates or are they going to charge the NY rates to the Okl. residents? |
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03-08-2010, 06:24 PM
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#3
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Registered User
Join Date: Sep 2006
Location: Mansfield
Posts: 4,834
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Quote:
Originally Posted by PaulS
The difference is that there are very little differences is providing the service in terms of your costs compared to location. A phone call in MA shouldn't be that much different that one in Okl.
With insurance, the costs depend greatly on where the service is provided. Do you think an insurance company is going to let someone living in NY buy insurance at Okl. rates or are they going to charge the NY rates to the Okl. residents?
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Why are the rates different? I'm convinced the reason they are is because companies now have the ability to screw the state of their choosing without fear of cross-stateline compitition. |
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03-08-2010, 06:43 PM
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#4
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Old Guy
Join Date: Oct 2004
Location: Mansfield, MA
Posts: 8,760
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Quote:
Originally Posted by buckman
Why are the rates different? I'm convinced the reason they are is because companies now have the ability to screw the state of their choosing without fear of cross-stateline compitition.
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Why does a not for profit company the BCBS of MA pay their CEO millions of dollars a year to manage a not for profit organization? |
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03-08-2010, 07:02 PM
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#5
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Registered User
Join Date: Feb 2003
Location: Here and There Seasonally
Posts: 5,985
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Quote:
Originally Posted by striperman36
Why does a not for profit company the BCBS of MA pay their CEO millions of dollars a year to manage a not for profit organization?
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Not for profit? I pay over 200 a week with a 2k deductible if I'm Hospitalized. They're not making money? Really? |
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03-09-2010, 09:49 AM
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#6
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sick of bluefish
Join Date: Aug 2003
Location: TEXAS
Posts: 8,672
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Quote:
Originally Posted by Backbeach Jake
Not for profit? I pay over 200 a week with a 2k deductible if I'm Hospitalized. They're not making money? Really?
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and I had 2 children, out of pocket expenses - zero
2 parents fighting cancer, out of pocket expenses - zero
thats the basis for INSURANCE. |
making s-b.com a kinder, gentler place for all 
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03-08-2010, 07:02 PM
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#7
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Registered User
Join Date: May 2008
Location: Mansfield, MA
Posts: 5,238
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Quote:
Originally Posted by striperman36
Why does a not for profit company the BCBS of MA pay their CEO millions of dollars a year to manage a not for profit organization?
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The luxuries of working for a not-for-profit - I deal with them (different not-for-profits) on almost a weekly basis. They all act like they don't have two pennies to rub together. |
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03-09-2010, 06:56 AM
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#8
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Registered User
Join Date: Sep 2006
Location: Mansfield
Posts: 4,834
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Quote:
Originally Posted by striperman36
Why does a not for profit company the BCBS of MA pay their CEO millions of dollars a year to manage a not for profit organization?
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Ask Joe Kennedy |
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03-09-2010, 09:26 AM
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#9
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Registered User
Join Date: May 2008
Location: Mansfield, MA
Posts: 5,238
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Quote:
Originally Posted by buckman
Ask Joe Kennedy
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Or any other highly successful not-for-profit. They all have the same charade. |
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03-09-2010, 06:41 PM
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#10
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Registered User
Join Date: Feb 2003
Location: Here and There Seasonally
Posts: 5,985
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Quote:
Originally Posted by JohnnyD
Or any other highly successful not-for-profit. They all have the same charade.
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Joe make 2-3 hundred thou for his efforts. I wouldn't say that was out of line. |
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03-09-2010, 08:04 AM
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#11
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Registered User
Join Date: Jul 2004
Posts: 10,306
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Quote:
Originally Posted by striperman36
Why does a not for profit company the BCBS of MA pay their CEO millions of dollars a year to manage a not for profit organization?
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B/c is still needs to be managed the same as a for profit company of the same size. If you want good people to run a not for profit, you have to pay them comparable salaries. The people who work there aren't doing it out of generosity, but b/c they need a job. |
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03-09-2010, 09:47 AM
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#12
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sick of bluefish
Join Date: Aug 2003
Location: TEXAS
Posts: 8,672
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Quote:
Originally Posted by striperman36
Why does a not for profit company the BCBS of MA pay their CEO millions of dollars a year to manage a not for profit organization?
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because if you didnt, you get some hack greenpeace wannabe with a liberal arts degree being the only one who would take the job at a lesser salary |
making s-b.com a kinder, gentler place for all
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03-09-2010, 09:58 AM
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#13
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Registered User
Join Date: Nov 2003
Location: RI
Posts: 21,483
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Quote:
Originally Posted by RIJIMMY
because if you didnt, you get some hack greenpeace wannabe with a liberal arts degree being the only one who would take the job at a lesser salary
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Yea, especially during a struggling economy...
Perhaps you're forgetting about the fat cat old boys network when the execs all sit on each others boards and discuss just how big a golden parachute is really necessary to attract that "top" talent.
-spence |
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03-09-2010, 10:32 AM
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#14
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Keep The Change
Join Date: Oct 2000
Location: The Road to Serfdom
Posts: 3,275
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By serving several states you can eliminate the need to have an entire corporate structure in every state further reducing cost, now you only need one highly overpaid CEO instead of 50 for example....
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“It’s not up to the courts to invent new minorities that get special protections,” Antonin Scalia
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03-09-2010, 08:02 AM
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#15
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Registered User
Join Date: Jul 2004
Posts: 10,306
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Quote:
Originally Posted by buckman
Why are the rates different? I'm convinced the reason they are is because companies now have the ability to screw the state of their choosing without fear of cross-stateline compitition.
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Higher costs associated with higher medical and drug claims. The cost of a procedures/services (which has nothing to do with the ins. co.) can much different in different locations. If there is no competition in an area (think Alaska or Wy for example) the bills could be much higher than somewhere where there is comp. and the insurance co. can negotiate better discounts.
It's not that hard for big insurance companies to get approved in muliple states if they want.
Don't forget that most of an insurance co. costs are claims. Sure they have exp. and profit, but the vast majority are claims (75%???). If you look at a bill, an insurance co. takes what the Dr. charges and applies a negotiated disc. to the charge. Those disc. can be as high as 60% of the Drs/hosp. charge. W/o an insurance co., the Drs. bill would be like 2x as high. |
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03-08-2010, 05:08 PM
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#16
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Registered User
Join Date: Nov 2003
Location: RI
Posts: 21,483
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Quote:
Originally Posted by Fishpart
Need an example???? Look at your phonebill, since MA Bell got broken up prices have come down considerably, I remember paying $1.00/minute from Boston to Providence in the 80's...
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That has more to do with the technology becoming a commodity than anything else...
-spence |
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03-08-2010, 07:16 PM
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#17
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Keep The Change
Join Date: Oct 2000
Location: The Road to Serfdom
Posts: 3,275
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When you increase competition, people come up with innovative ways to cut costs.....
With only 2 carriers in RI, you can't tell me they don't wink wink "manage" the pricing and delivery........
Next step is capping what you can get out of a frivilous lawsuit...
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“It’s not up to the courts to invent new minorities that get special protections,” Antonin Scalia
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03-08-2010, 07:57 PM
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#18
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Registered User
Join Date: May 2008
Location: Mansfield, MA
Posts: 5,238
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Quote:
Originally Posted by Fishpart
Next step is capping what you can get out of a frivilous lawsuit...
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Bingo!
Some OB/GYN doctors pay over $100k or more for their malpractice.
This article is a bit dated, but it demonstrates the ridiculousness of that situation. |
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03-08-2010, 08:49 PM
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#19
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Old Guy
Join Date: Oct 2004
Location: Mansfield, MA
Posts: 8,760
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Quote:
Originally Posted by JohnnyD
Bingo!
Some OB/GYN doctors pay over $100k or more for their malpractice.
This article is a bit dated, but it demonstrates the ridiculousness of that situation.
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My wife's head of ob/gyn at Mt Auburn was payin 200K in 97 |
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03-08-2010, 09:02 PM
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#20
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Registered User
Join Date: May 2008
Location: Mansfield, MA
Posts: 5,238
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Quote:
Originally Posted by striperman36
My wife's head of ob/gyn at Mt Auburn was payin 200K in 97
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Precisely. As I'm sure you know, but many don't... Obstetrics doctors are liable to be sued until the 18th birthday of a child they deliver. There is no statute of limitations for OBs and a parent can sue the OB if they believe any possible error during deliver or even bad advice *could* have been the cause of any disability.
It's pathetic. It's no wonder no one wants to become a doctor any more. |
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03-08-2010, 09:22 PM
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#21
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Registered User
Join Date: Nov 2007
Posts: 12,632
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Quote:
Originally Posted by Fishpart
When you increase competition, people come up with innovative ways to cut costs.....
With only 2 carriers in RI, you can't tell me they don't wink wink "manage" the pricing and delivery........
Next step is capping what you can get out of a frivilous lawsuit...
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health insurance companies don't want to do business in RI....over 1000 state mandates regarding coverage...that's why it's so expensive...creeps at the state house tell you what you MUST cover and then demand paola on top of that.....hardly worth the effort for a company to come in and set up shop....if you want to know where your jobs and options and freedoms are going...they're being run out of town by these elected maniacs that mandate, legislate and tax "everything that moves and everything that doesn't"... |
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03-08-2010, 10:06 PM
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#22
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Registered User
Join Date: May 2008
Location: Mansfield, MA
Posts: 5,238
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Quote:
Originally Posted by scottw
health insurance companies don't want to do business in RI....over 1000 state mandates regarding coverage...that's why it's so expensive...creeps at the state house tell you what you MUST cover and then demand paola on top of that.....hardly worth the effort for a company to come in and set up shop....if you want to know where your jobs and options and freedoms are going...they're being run out of town by these elected maniacs that mandate, legislate and tax "everything that moves and everything that doesn't"...
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Sounds like business as usual in RI. No wonder every business is hitching a ride out of town and the state has one of the worst unemployment rates. |
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