Hi State Farm?

Hi State Farm? Yes, I would like to obtain fire insurance for my home. I live in Jacksonville Florida. The square footage is 1900 square feet. The condition? Well currently it’s on fire so it’s hard to tell.


Do you think this will change the behavior of the consumer? Tell me how this could possibly work without bankrupting the insurance companies.


11 Responses to “Hi State Farm?”

  1. urstupidnourstupid Says:

    Huh? I don’t understand the question…

    From his radio address?

  2. urstupidnourstupid Says:

    Forget the radio address. How do you think this would affect the homeowners insurance industry if I could call and take out a fire insurance policy while my house was on fire?

  3. urstupidnourstupid Says:

    “They will continue to refuse coverage based on pre-existing conditions.”

    You are talking about this? So what if you are diagnosed with a chronic disease…let’s say arthritis at the age of 50. For whatever reason you lose your health coverage (laid off, whatever). Now three months later when you try to get insurance you can’t because you have arthritis. Or you had a disease (cancer) at age 25 which has been in remission but now returns at age 40? What do these people do?

    You can’t have just a pool of very sick people. In order for this system to work you have to have healthy and sick in the same pool. If young healthy people don’t have insurance, that leaves only unhealthy people, whose rates will then be unaffordable.

    So…now you have a pre-existing condition. What can you do? Shop around for competing insurance? No. Drop your coverage? No. Be held hostage to the ever escalating price increases by a company whose only objective is to make money? Yes. Another 15% increase…damn…nothing you can do if you have a condition. Shoddy service? Damn…nothing you can do if you have a condition.

    Is there anything GOOD you see coming out of this? Or are you, like all the conservatives, just fine with the way things are? Do you really think Tort reform is gonna save this system?

  4. urstupidnourstupid Says:

    It looks like you made my case for me very well. I’m surprised you are still behind it after your own analysis. Sounds like personal responsibility is the name of the game.

    Tort reform is not the only idea out there. There are others that you really should look into the the merits of.

    There are a whole host of tax incentives that make a lot of sense. Allowing people like yourself to buy insurance at pretax rates like people who obtain it through their employer. I pay my premiums before taxes. These tax incentives can be offset by capping the tax incentive. Currently, every penny of the “cadillac plans” are paid for pretax. Why not let the basics be tax deductable and allow everyone to have this option.

    Portability is huge. Currently all States have their own regulatory system. We should encourage States to allow the purchase of health insurance across state lines and allow HMO’s to conform nationally. The reason why California and Illinois are getting huge price hikes is because there is not enough competition. Bottom line.

    Currently, it is illegal to privately pool small business’ together to buy group insurance at discount rates. Doesn’t make sense.

    Consumers have to have some skin in the game. If consumers have zero incentive to negotiate prices and compare, then demand is constant. This is an absolute killer to a healthy free market.

    Tort reform can be significant. Texas has saved tons of money after they initiated it. They have had an influx of doctors come into the State which has lowered costs and improved care. It’s a no brainer.

    The concept is to open up the market so there is more competition AND require some skin in the game from the consumer. Right now, neither are functioning properly. You cannot say that health care is operating in a capitalist market and it’s not working. It is actually very far away from this.

    So I’ve explained how the conservative concepts work. How does this bill work?

  5. urstupidnourstupid Says:

    “Currently all States have their own regulatory system. We should encourage States to allow the purchase of health insurance across state lines and allow HMO’s to conform nationally” Ha ha!! And then listen to people like you SCREAM about Federal regulation and BIG government and bureaucracy and socialism. Yeah, right!! You’re killing me!!


    If my research is correct, the Repubs had majorities in both houses when this was introduced. Why didn’t it pass?

    Why didn’t you address the fact that if you have a condition, you are trapped by your current provider’s rate increases. Seriously, what can someone do. A new provider won’t take you, so you have to put up with the service and prices of your current provider.


    “We don’t think it will have a major impact [on premiums] because the fact is that, in every state, there is already a right to pool risks within the small business market,” says Joel Ario, Chair of the NAIC and Insurance Administrator for the State of Oregon. “Small businesses already have access to state rating pools where they are able to combine with other small business owners to get the same advantages as large businesses.”

    That’s from a relatively old article (I think)

  6. urstupidnourstupid Says:

    First of all, shouldn’t you be watching the red carpet before the Oscars right now? I’m seeing alot of gold and platinum this year from the coutoure designers and they look fabulous.

    Blaming the Republicans for not passing something that is effective is very weak. Whatever. They should have passed it.

    I’m not sure what State rating pools are but if they have the same effect as what is proposed then obviously it won’t work.

    As far as pre-existing conditions. Insurance is designed for people who pay for protection of something that can happen in the future. We can set up a safety net for people caught in a tough spot. But just making it mandatory that everyone gets health care when they get sick is the stupident effing thing I have ever heard.

    So once again, I’ve explained how the conservative concepts work. How exactly does the Democrat plan work again? I’m still waiting. Something to do with electronic records or something?

    Hello Aetna? Yes, I was wondering if I could get some health insurance. I’m 42. My health? Well I have AIDS and my kidneys aren’t functioning. Can you get this policy started right away?

  7. urstupidnourstupid Says:

    I must have missed where it says “Run out and buy some insurance AFTER your kidney is lacerated because of the motorcycle accident.” Of course that defeats the purpose, and I don’t think Obama is saying that. In fact, he wants everyone to have insurance NOW!

    Repubs will be of no help because they want no change. Half of life (and governing) is just showing up. And they have proven that they want NO reform at all. So the Dems (the pussies that they are) have to pass this thing themselves. And as of this writing, it has changed so much that I don’t know exactly what is in and what is out.

    My point is, which I will not let you off the hook about, and which you are so agily maneureving around remains: If you are sick, and have paid your premiums for years, what choices do you have with regards to poor service and skyrocketing prices? You are now Aetna’s bitch!! And they have every reason to try to deny service, raise costs and treat you poorly.

  8. Anonymous Says:

    I know several people who have had 10’s if not 100’s of thousands of medical bills that have been paid by their insurance company. They did not raise their premiums because they became sick and the bills were paid. That is why we have regulatory agencies. If that is the problem then we need regualator reform, not pre-existing conditions reform.

    Just because you show up with an idea to implement, doesn’t mean its right. That is the most illogical argument I have ever heard.

    You are defending an administration and a congress and you have no idea what they are trying to implement.

    Just think about how being able to sign up for insurance with a pre-existing condition will affect the industry. Think about you as a sole proprietor offering insurance to your community and this bill passes.

  9. urstupidnourstupid Says:

    Well I know several people who have opposite stories. The woman I share an office with had a breast cancer “scare” 10 years ago and now is stuck with her provider because nobody else will take her.

    I can see that you are more concerned with the business than the person. That’s where we differ.

  10. urstupidnourstupid Says:

    Oh the horror!!!! 10 years with the same provider. How does she sleep at night!!!

    Yeah all I care is about the business, not the person. I want business to succeed and the people to be in chains. That’s what drives me. You have me pegged.

  11. urstupidnourstupid Says:

    Jesus dude…it IS a horror when she is paying over $250/month out of her pocket, and she can’t leave, can’t negotiate, and can’t drop it–and she’s healthy.

    I haven’t been sick a day in my life, yet all these insurance companies want to sign me up, sight unseen. They have no idea if I am fat, if i exercise, if I have a family history of cancer, if i smoked for 20 years…doesn’t matter–just sign up. How fucking stupid is that? You call that good business? No physical required. No doctor visit for blood pressure, cholesterol, etc. You wouldn’t even buy a pair of shoes without checking them out. How fucking idiotic!!

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