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	<description>As the oldest and 12th largest Consumer Directed Health Care company in the U.S., Benemax has a responsibility to inform members of our Community on the current health care reform debate and to represent the shared values of that Community in the public forum. We neither support nor oppose health care reform per se. Our goal is to ensure that any reform maintains a free and competitive market both for health care and health benefits.</description>
	<pubDate>Wed, 08 Sep 2010 14:33:31 +0000</pubDate>
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		<title>Comment on So What&#8217;s Next? by RICARDO</title>
		<link>http://www.benemax.com/blog/?p=167&cpage=1#comment-514</link>
		<dc:creator>RICARDO</dc:creator>
		<pubDate>Thu, 01 Jul 2010 08:44:59 +0000</pubDate>
		<guid isPermaLink="false">http://www.benemax.com/blog/?p=167#comment-514</guid>
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		<title>Comment on How much will Health Care Reform Cost YOU? by K Brailsford</title>
		<link>http://www.benemax.com/blog/?p=131&cpage=1#comment-423</link>
		<dc:creator>K Brailsford</dc:creator>
		<pubDate>Tue, 13 Oct 2009 23:14:48 +0000</pubDate>
		<guid isPermaLink="false">http://www.benemax.com/blog/?p=131#comment-423</guid>
		<description>You have nailed the financial calamity head on Dave.  There will be cost upon cost and tax upon tax for the average American family.    There is also a reason why America's Health Insurance Companies are now flat out against this Health Reform Fiasco.  They were lied to!  That's right -- the Insurance companies expected to bring in 35-50 million new customers through the government mandate that all American's had to have coverage -- and these same insurance companies were willing to go along with eliminating any pre-existing condition clause, knowing they would have the billions of premium dollars to offset the tens of thousands of chronically ill and newly insured subscribers.  And now we see in this bill, that there is an OUT.  Young people can pay a penalty  -- possibly $1,000 a year if they choose not to sign up for coverage.  ....and if they do get sick, want to start a family, require knee surgery or have a sudden expensive illness, walah -- they sign up for a plan, pay the $400-$500 a month premium and since they will not be subject to a pre-ex under the proposed legislation, they win and the insurance companies lose - BIG TIME.  And if the insurance companies lose, we lose because we are all right back subsidizing the people who choose to be uninsured.  This in itself, spells disaster to the entire industry.  Can you imagine buying house insurance when your house is burning down?  Or buying a disability policy when you become disabiled.  Or buying auto insurance after you get into an accident.  If this bait and switch on the insurance companies is allowed to stand, whoose to say that millions of small business owners and other single policy holders don't try the same thing by buying insurance only when its absolutely needed.  This is the biggest disaster of all and could well doom the health insurance industry by forcing prices up through the roof.  The government will then come in and say, "we told you so", "you failed so now let the government take over".  In short, Baucus's Finance Committee did a "bait and switch" with the insurance industry and with the American public.  At best, they were misleading in their negotiations with the insurance industry.  At worst, they are attempting to destroy an industry that people the world over come to America to use because "we do" have the best health care system -- unless it is taken away from us.  That's the truth!</description>
		<content:encoded><![CDATA[<p>You have nailed the financial calamity head on Dave.  There will be cost upon cost and tax upon tax for the average American family.    There is also a reason why America&#8217;s Health Insurance Companies are now flat out against this Health Reform Fiasco.  They were lied to!  That&#8217;s right &#8212; the Insurance companies expected to bring in 35-50 million new customers through the government mandate that all American&#8217;s had to have coverage &#8212; and these same insurance companies were willing to go along with eliminating any pre-existing condition clause, knowing they would have the billions of premium dollars to offset the tens of thousands of chronically ill and newly insured subscribers.  And now we see in this bill, that there is an OUT.  Young people can pay a penalty  &#8212; possibly $1,000 a year if they choose not to sign up for coverage.  &#8230;.and if they do get sick, want to start a family, require knee surgery or have a sudden expensive illness, walah &#8212; they sign up for a plan, pay the $400-$500 a month premium and since they will not be subject to a pre-ex under the proposed legislation, they win and the insurance companies lose - BIG TIME.  And if the insurance companies lose, we lose because we are all right back subsidizing the people who choose to be uninsured.  This in itself, spells disaster to the entire industry.  Can you imagine buying house insurance when your house is burning down?  Or buying a disability policy when you become disabiled.  Or buying auto insurance after you get into an accident.  If this bait and switch on the insurance companies is allowed to stand, whoose to say that millions of small business owners and other single policy holders don&#8217;t try the same thing by buying insurance only when its absolutely needed.  This is the biggest disaster of all and could well doom the health insurance industry by forcing prices up through the roof.  The government will then come in and say, &#8220;we told you so&#8221;, &#8220;you failed so now let the government take over&#8221;.  In short, Baucus&#8217;s Finance Committee did a &#8220;bait and switch&#8221; with the insurance industry and with the American public.  At best, they were misleading in their negotiations with the insurance industry.  At worst, they are attempting to destroy an industry that people the world over come to America to use because &#8220;we do&#8221; have the best health care system &#8212; unless it is taken away from us.  That&#8217;s the truth!</p>
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		<title>Comment on Baucus is Better! by K Brailsford</title>
		<link>http://www.benemax.com/blog/?p=116&cpage=1#comment-419</link>
		<dc:creator>K Brailsford</dc:creator>
		<pubDate>Tue, 22 Sep 2009 01:19:14 +0000</pubDate>
		<guid isPermaLink="false">http://www.benemax.com/blog/?p=116#comment-419</guid>
		<description>Before we declare the Baucus Plan a Grand Slam when it comes to individual coverage, we should take a closer look at the ramifications of parts of the plan.  For instance when covering people with pre-existing conditions, the Chairman's Mark-up clearly states that "Premiums in the high-risk pool will be calculated based on the same rating factors described above and will be 100 percent of the standard premium rate for a Bronze plan".  So while individuals with pre-existing conditions will in fact receive coverage, they are very likely to pay a "premium" above a "monthly premium" to be adequately covered.

In addition, the subsidized pool will receive at least $5 billion in funding.  This funding  will be provided to subsidize premiums through 2013.  This money appears to come from, "you guessed it" the 24/7 Printing Press known as the U.S. Treasury, guaranteed by future generations yet to be born. 

In the succeeding two year period from 2013-15, $20 Billion more will be required to prop up a reinsurance fund run by a non-profit co-op.  Insurance companies will be required to pay into this fund, which may require additional billions to remain solvent.  Ultimately, these same insurance companies will pass along this $20 Billion plus burden to group health plans costs, making us bear an unfair burden vs. the government plan, which will not be forced to pick up a dime.  

Another concern:  covered individuals must be uninsured for six months before gaining access to the high-risk pool.   Sounds like the equivalent of a Medicare Part D Prescription "Donought Hole" to me.  The only difference is that a person could in fact, incur tens of thousands of expenses during this six-month, pre-qualificaiton waiting period.

So a Grand Slam may be a bit much.  It's great to have guaranteed issue, great to have guarantee renewability and nice to do away with the limits of coverage for pre-exisiting conditions.  But all this and the aformentioned above, makes one ponder if that home run ball was really fair or foul.</description>
		<content:encoded><![CDATA[<p>Before we declare the Baucus Plan a Grand Slam when it comes to individual coverage, we should take a closer look at the ramifications of parts of the plan.  For instance when covering people with pre-existing conditions, the Chairman&#8217;s Mark-up clearly states that &#8220;Premiums in the high-risk pool will be calculated based on the same rating factors described above and will be 100 percent of the standard premium rate for a Bronze plan&#8221;.  So while individuals with pre-existing conditions will in fact receive coverage, they are very likely to pay a &#8220;premium&#8221; above a &#8220;monthly premium&#8221; to be adequately covered.</p>
<p>In addition, the subsidized pool will receive at least $5 billion in funding.  This funding  will be provided to subsidize premiums through 2013.  This money appears to come from, &#8220;you guessed it&#8221; the 24/7 Printing Press known as the U.S. Treasury, guaranteed by future generations yet to be born. </p>
<p>In the succeeding two year period from 2013-15, $20 Billion more will be required to prop up a reinsurance fund run by a non-profit co-op.  Insurance companies will be required to pay into this fund, which may require additional billions to remain solvent.  Ultimately, these same insurance companies will pass along this $20 Billion plus burden to group health plans costs, making us bear an unfair burden vs. the government plan, which will not be forced to pick up a dime.  </p>
<p>Another concern:  covered individuals must be uninsured for six months before gaining access to the high-risk pool.   Sounds like the equivalent of a Medicare Part D Prescription &#8220;Donought Hole&#8221; to me.  The only difference is that a person could in fact, incur tens of thousands of expenses during this six-month, pre-qualificaiton waiting period.</p>
<p>So a Grand Slam may be a bit much.  It&#8217;s great to have guaranteed issue, great to have guarantee renewability and nice to do away with the limits of coverage for pre-exisiting conditions.  But all this and the aformentioned above, makes one ponder if that home run ball was really fair or foul.</p>
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		<title>Comment on The Peril of Mandates by K Brailsford</title>
		<link>http://www.benemax.com/blog/?p=102&cpage=1#comment-393</link>
		<dc:creator>K Brailsford</dc:creator>
		<pubDate>Sun, 30 Aug 2009 21:15:21 +0000</pubDate>
		<guid isPermaLink="false">http://www.benemax.com/blog/?p=102#comment-393</guid>
		<description>The Perils of Mandates - Good or Bad?

Let's look at both sides of the issue.  As a positive aspect of employee mandates, where individuals are required to purchase coverage, I believe this teaches responsibility - and this is in fact, a good thing - a sign of reaching adulthood and taking responsibility for ones own life.

The upside rationale for requiring individual health insurance purchasing by all individuals, is the social costs.  If in fact, employees pay into the system (and not the government), there would less of a burden on the system as a whole, which ultimately, could bring down the costs.

However, because of a federal law that already exists, requiring guaranteed treatment in the E.R. for any person without health insurance coverage (legal or illegal), residing the the U.S., this added costs to the insurds monthly premiums has been dramatic and the ability to get the uninsured to pay their fair share has been "problematic".

Hospitals have had to raise their rates, which has caused insurance companies to pay more, and in turn, they have had to charge higher premiums to the end user.  

And where is the mandate for the uninsured?  The illegal immigrant family having anothr child, or the young IT guy who feels invinsible and won't purchase insurance at any cost because he or she can just tap into the "taxpayer paid E.R." when or if necessary.  Where is the moral resonsibility?  That does not seem to exist.

An uninsured person could easily argue, "why pay a dime if the United States government (aka the American taxypayer), has already guaranteed coverage for my family"?  So what if the uninured lacks a Blue Cross or Major Medical Health Insurance Card and may otherwise feel embarrassed when he shows up with his wife a the E.R. as she is ready to deliver a child.  In the end, one can accept a little embarrassment when healthcare is FREE.  True?!

To be frank, the 185 million plus insured Americans, are in fact, already paying the costs of the 46 million uninusred.  This begs the question-- why are we now looking to add $1 to $1.8 Trillion ($1,800,000,000,000.00) to our nations debt so that the uninsured, who are already covered by Medicaid, CHIPS and the 185 million Americans insured through higher premiums - so that these uninsured persons can now receive their own , full blown Blue Cross or Major Medical Health Insurance Card, FREE OF CHARGE.  Who do you think is going to be left paying the bill.  Hint:  There's a reason GOVERNMENT AND USTAXPAYER have the same number of letters. One Replaces the other when it comes to paying the bill!

As for the positive inpact mandates could have on insurance companies by making insurance mandatory to all employers, I see this as a Win-Lose scenario.    The insurance carriers will rake in hundreds of billions of dollars per year.  They will be able to command even greater purchasing discounts from providers and ultimately, they will realize greater profit.

The employer will be stuck with more paperwork and more costs.  The wild card in all this is the government who ultimately seeks a single payor system and access to 16% of the economy and the hundreds of billions, if not trillions of dollars of monthly premiums to use as they see fit.  We all know how they have robbed the Medicare Trust fund to finance new government controlled programs.
In the end, it's all about the money.

The Blogger rounds out the "Perils of Mandates", by making a strong case for emphasis on wellness, healthy lifestyles and consumerism.  BRAVO!  That's what it's all about.

If people can live healthier lives by taking a few more walks every week, using a smaller plate at the dinner table, avoid processed foods, consume one or two beers at the football game and not 7, then we as a nation, will begin to take the "baby steps" necessary for longer, more productive lives.  

The emphasis on consumerism and having the employees have a stake in the game through higher sugery or high-end procedure co pays or deductibles, when/if they choose an unhealthy lifestyle, has high merit.

To do otherwise, as in the case of the government providing rich, mandated benefits, with taxpayer subsidized premiums, will disempower Americans and will ultimately make us "unhealthy wards of the state".    After all, will employers and employees care about how much healthcare is being used if the plans are made rich, with little costs containment (as has been the case in Medicare)?  I think not.  Indeed, we may in fact have MEDICARE II - a  national healthcare plan that is MANDATED to pay out, until the country is bankrupt.  How's that for a PERILOUS MANDATE!</description>
		<content:encoded><![CDATA[<p>The Perils of Mandates - Good or Bad?</p>
<p>Let&#8217;s look at both sides of the issue.  As a positive aspect of employee mandates, where individuals are required to purchase coverage, I believe this teaches responsibility - and this is in fact, a good thing - a sign of reaching adulthood and taking responsibility for ones own life.</p>
<p>The upside rationale for requiring individual health insurance purchasing by all individuals, is the social costs.  If in fact, employees pay into the system (and not the government), there would less of a burden on the system as a whole, which ultimately, could bring down the costs.</p>
<p>However, because of a federal law that already exists, requiring guaranteed treatment in the E.R. for any person without health insurance coverage (legal or illegal), residing the the U.S., this added costs to the insurds monthly premiums has been dramatic and the ability to get the uninsured to pay their fair share has been &#8220;problematic&#8221;.</p>
<p>Hospitals have had to raise their rates, which has caused insurance companies to pay more, and in turn, they have had to charge higher premiums to the end user.  </p>
<p>And where is the mandate for the uninsured?  The illegal immigrant family having anothr child, or the young IT guy who feels invinsible and won&#8217;t purchase insurance at any cost because he or she can just tap into the &#8220;taxpayer paid E.R.&#8221; when or if necessary.  Where is the moral resonsibility?  That does not seem to exist.</p>
<p>An uninsured person could easily argue, &#8220;why pay a dime if the United States government (aka the American taxypayer), has already guaranteed coverage for my family&#8221;?  So what if the uninured lacks a Blue Cross or Major Medical Health Insurance Card and may otherwise feel embarrassed when he shows up with his wife a the E.R. as she is ready to deliver a child.  In the end, one can accept a little embarrassment when healthcare is FREE.  True?!</p>
<p>To be frank, the 185 million plus insured Americans, are in fact, already paying the costs of the 46 million uninusred.  This begs the question&#8211; why are we now looking to add $1 to $1.8 Trillion ($1,800,000,000,000.00) to our nations debt so that the uninsured, who are already covered by Medicaid, CHIPS and the 185 million Americans insured through higher premiums - so that these uninsured persons can now receive their own , full blown Blue Cross or Major Medical Health Insurance Card, FREE OF CHARGE.  Who do you think is going to be left paying the bill.  Hint:  There&#8217;s a reason GOVERNMENT AND USTAXPAYER have the same number of letters. One Replaces the other when it comes to paying the bill!</p>
<p>As for the positive inpact mandates could have on insurance companies by making insurance mandatory to all employers, I see this as a Win-Lose scenario.    The insurance carriers will rake in hundreds of billions of dollars per year.  They will be able to command even greater purchasing discounts from providers and ultimately, they will realize greater profit.</p>
<p>The employer will be stuck with more paperwork and more costs.  The wild card in all this is the government who ultimately seeks a single payor system and access to 16% of the economy and the hundreds of billions, if not trillions of dollars of monthly premiums to use as they see fit.  We all know how they have robbed the Medicare Trust fund to finance new government controlled programs.<br />
In the end, it&#8217;s all about the money.</p>
<p>The Blogger rounds out the &#8220;Perils of Mandates&#8221;, by making a strong case for emphasis on wellness, healthy lifestyles and consumerism.  BRAVO!  That&#8217;s what it&#8217;s all about.</p>
<p>If people can live healthier lives by taking a few more walks every week, using a smaller plate at the dinner table, avoid processed foods, consume one or two beers at the football game and not 7, then we as a nation, will begin to take the &#8220;baby steps&#8221; necessary for longer, more productive lives.  </p>
<p>The emphasis on consumerism and having the employees have a stake in the game through higher sugery or high-end procedure co pays or deductibles, when/if they choose an unhealthy lifestyle, has high merit.</p>
<p>To do otherwise, as in the case of the government providing rich, mandated benefits, with taxpayer subsidized premiums, will disempower Americans and will ultimately make us &#8220;unhealthy wards of the state&#8221;.    After all, will employers and employees care about how much healthcare is being used if the plans are made rich, with little costs containment (as has been the case in Medicare)?  I think not.  Indeed, we may in fact have MEDICARE II - a  national healthcare plan that is MANDATED to pay out, until the country is bankrupt.  How&#8217;s that for a PERILOUS MANDATE!</p>
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		<title>Comment on Health Care Reform&#8230;or Economic Recovery? by David Cowles</title>
		<link>http://www.benemax.com/blog/?p=56&cpage=1#comment-41</link>
		<dc:creator>David Cowles</dc:creator>
		<pubDate>Wed, 15 Jul 2009 10:15:40 +0000</pubDate>
		<guid isPermaLink="false">http://www.benemax.com/blog/?p=56#comment-41</guid>
		<description>Yesterday, in an intervier with Newsmax, Newt Gingrich said, "...Look how deep the disagreement is, even within the Democratic Party, between those who are worried about the deficit and worried about the economy and those who want to move toward a government-run health plan at any cost."</description>
		<content:encoded><![CDATA[<p>Yesterday, in an intervier with Newsmax, Newt Gingrich said, &#8220;&#8230;Look how deep the disagreement is, even within the Democratic Party, between those who are worried about the deficit and worried about the economy and those who want to move toward a government-run health plan at any cost.&#8221;</p>
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