SCHADENGASM V

Monday, December 16th, 2013 | Uncategorized

Katie Sebelius wants to know if all of you health insurance companies could possibly be dears and try to pretend that DemocraticPartyCare isn’t an absolute train wreck.  She promises that she’ll make it up to you:

Fearing that many people will think they have health insurance coverage when they do not, Health and Human Services Secretary Kathleen Sebelius is “urging” insurance companies to “give consumers additional time to pay their first month’s premium and still have coverage beginning Jan. 1, 2014.”

Insurance companies should cover people who haven’t yet paid, in other words.

With just a few weeks to go until Obamacare takes full effect, Sebelius announced additional changes on Thursday, some that tell insurance companies how to run their business and others that “strongly” encourage insurance companies to waive their rules — on premium payments, for example.

Sebelius now says insurance companies MUST accept payments through December 31 (instead of Dec. 23) for health care coverage that begins the next day, Jan. 1.

She also is “urging” insurance companies to “give consumers additional time to pay their first month’s premium and still have coverage beginning Jan. 1, 2014.”

25 Comments to SCHADENGASM V

Katherine
December 16, 2013

The large insurance companies backed this plan when it was before Congress. Now they’re paying the price of their own lack of common sense. This law was a disaster as written and as implemented.

Although I’m angry with Big Insurance, though, I’m even angrier with an administration which has no idea at all how businesses are run.

The ACA needs to be repealed so that by 2015 people could buy honest insurance again. For the upcoming year, we’re screwed.

Bill (not IB)
December 16, 2013

And what authority, pray tell, does Sebelius thinks gives her the right to dictate to private businesses how they conduct their affairs? Is she willing to be responsible for the inevitable lawsuits about who was covered, who should have been covered, who paid, when they thought they paid, when the insurance company thought they paid, ……….ad nauseaum…………

An insurance policy is a contract. In 99% of the cases I’ve ever heard of, the terms of a contract can only be changed by the written approval of both parties.

Of course, I may be failing to recognize that some folks (read that as, in general, liberal/Democrat) have multiple personalities (public/private persona, campaign/”in office” persona) and so they probably figure they are both of the parties to the contract, and can change it at will.

Allen Lewis
December 16, 2013

This Administration continues to dictate to businesses how to run their affairs.

I hope the American electorate has learned a lesson about letting Democrats run things in this country!

What a complete joke!

Katherine
December 16, 2013

I have been reading Daniel Hannan’s “Inventing Freedom,” about how contract law (and common law) has been so important to the development of the English-speaking democracies around the world. This administration has been splintering and smashing contract law for several years, the health care mess being only the latest iteration. This is a fundamental foundation of our freedom which is being destroyed.

Jay Random
December 16, 2013

I hope the American electorate has learned a lesson about letting Democrats run things in this country!

Perhaps. But if they have, it’s in the same way that a man who jumps out of an aeroplane learns the lesson that he should have had a parachute. Much good it may do him.

Jim the Puritan
December 16, 2013

–Sebelius is “urging” insurance companies to “give consumers additional time to pay their first month’s premium and still have coverage beginning Jan. 1, 2014.”–

I highly suspect this would violate the insurance laws and/or regulations of most states.

Brize
December 16, 2013

Violating the law doesn’t seem to bother this bunch overmuch.

Maxine
December 16, 2013

Katherine,
Insurance companies are about as honest as our President, or Congress…or the ACA.
It is all in the fine print. . . Or regulations.

Allen Lewis
December 16, 2013

Katherine -
I agree that this Administration likes to play fast and loose with its regulatory authority. From what I have heard from several of my representatives, the ACA was riddled with language such as “as the Secretary (in this case, Sebelius) shall determine.” In other words, Congress just dumped it all on the administration to write the rules. This is just an abdication of Congress’ responsibility to craft the laws. The Administarion is tasked with seeing those laws are executed.

We will have a long and hard struggle electing Representatives and Senators who are willing to sweat the details of legislation instead of letting the bureaucracy fule by regulatory fiat. This must cease!

Allen Lewis
December 16, 2013

Seems my last comment is in the
Comment Oubliette!

Bill (not IB)
December 16, 2013

Maxine,

I have to disagree. Just as there are some good used car dealers, and some bad ones who will fleece you until they’ve even gotten the lint from your navel, insurance companies are not all the same. I do have firsthand knowledge and bias; my older brother is a member of the Society of Actuaries and has worked as a VP at several well-known insurance firms. As with most products, “you get what you pay for” – if you go with Al’s Discount Insurance, you’ll get discount quality when you call to file a claim. Well-Known Company “X” will undoubtedly cost you more, but it’s [usually] much easier to settle a claim with them.

A large part of the problem is that many Americans have come to have an unrealistic vision of what “insurance” is. It’s not something which is supposed to pay for all your health care; it’s there as a “safety net”, to cover large expenditures which aren’t part of everyday life. I don’t expect my medical insurance to cover routine doctor visits, or even visits for commonplace issues – ear infection, tetanus shot, etc. That’s part of the everyday cost of life; “routine maintenance”. The same is true for homeowners and auto insurance; if you call your homeowners agent and ask to be reimbursed for an air conditioner that has failed, you won’t be happy with the reply. And no auto insurance policy that I know of covers replacing blown transmissions, or repairing rusted-out fenders.

OK, I’m off my soapbox.

The Lakeland Two
December 17, 2013

We got the word today that our insurance premiums are being raised 38% on top of several medications not being covered next year, etc. etc. So much for being you to keep the old plan.

ann r
December 17, 2013

I read a great article in Western Ag News written by a ranch wife who did the math. She figured that with the co-pay increase, the monthly premium (huge increase) and the lack of coverage, they would be out of pocket so much that it wouldn’t be sensible for them to sign up. They would do better to put the money in an account and pay the penalty for non-compliance. Even for catastrophic the new insurance didn’t do that much for them.

Michael Berry
December 17, 2013

At one time there was a doctrine, now abandoned by the Supreme Court, that if the Congress delegated too much discretion to agencies to write regulations, the law was “an invalid delegation of legislative authroity.” and unconstitutional. The Courts have ceeded too much deference to the Congress and needs to uphold the primacy of the Constittuion.

midwestnorwegian
December 17, 2013

They’ll do anything she wishes. They are in cahoots.

Creedal Epicopalian
December 17, 2013

Her covering for Bambi on this little fascist maneuver is probably the deal that let her keep her job.

Katherine
December 17, 2013

I agree with Bill (not IB) on insurance companies. For most people they have provided reliable payment of major claims, and are not dishonest. There are bad apples in any barrel, but most are good. Take, for example, if you’ve read about it, the experiences of Jim Hoft, the “Gateway Pundit.” He suddenly became critically ill a few months ago. HIs insurance company fought for him, and was an ally in his miraculous recovery. Unfortunately his policy is being cancelled because of Obamacare. Or take the woman who wrote the op-ed in the WSJ. She had a policy with United Healthcare. They’ve faithfully paid more than $1.5 million to keep her alive with Stage 4 bladder cancer for seven years. Now because of Obamacare they are leaving the individual market in California entirely and she cannot find a policy which covers the specialist who have kept her alive. There WAS good-quality insurance out there. Now, not so much.

Rod
December 17, 2013

There’s a club behind the “urger’s” back!

BillB
December 17, 2013

“Bill (not IB)

And what authority, pray tell, does Sebelius thinks gives her the right to dictate to private businesses how they conduct their affairs?”

She is the Minister of Health and Human Services to his Most Excellent Highness Barack the First.

dwstroudmd+
December 17, 2013

Apparently being governor of Kansas was not close enough to Missouri for the “show me” ethos to take. So, nobody had to show her the legislation before it passed, or after it passed, or when it was being implemented in such a slap-happy, “don’t let it be a third world experience” fashion. So why, pray tell, would she be the least concerned about legality of her maneuvers or those of the Chief Slacker in Charge?

Truth Unites... and Divides
December 17, 2013

“And what authority, pray tell, does Sebelius thinks gives her the right to dictate to private businesses how they conduct their affairs?”

The same right the Catholic Church has when instructing folks during catechism. She might think that the Church dictates to private individuals how they conduct their affairs, so she can do the same thing, except to private businesses.

She takes the Eucharist; and so private businesses should take the Government Eucharist that Sebelius confects.

Seriously, it’s not just Sebelius who’s screwed up. It’s a lot of screwed-up, deranged Libs.

FW Ken
December 17, 2013

So you know that Sebellius receives Holy Communion? I wonder if or how often she goes to Mass.

As to comparing RCIA with the rule-making authority presumed by the Administration, that’s just stupid. First, people go to Church voluntarily. Moreover, Episcopal bishops to the contrary, our brains are fully engaged in the process.

“Private individuals” ceases to be a relevant concept for any kind of authentic Christian, as the individual become part of the Body of Christ. Thus, it’s the individual-in-community. Finally, we are sons and daughters of God, brothers and sisters of Jesus. Indeed, we are slaves of Christ, but that’s a polar opposite to being a subject of King Barack.

SouthCoast
December 17, 2013

I would gladly pay you Tuesday…

Michal
December 18, 2013

I agree with Bill (not IB):

“A large part of the problem is that many Americans have come to have an unrealistic vision of what “insurance” is. It’s not something which is supposed to pay for all your health care; it’s there as a “safety net”, to cover large expenditures which aren’t part of everyday life. I don’t expect my medical insurance to cover routine doctor visits, or even visits for commonplace issues – ear infection, tetanus shot, etc. That’s part of the everyday cost of life; “routine maintenance”.”

That says it all. Please, God, deliver us from ACA nonsense!

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