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Old 11-12-2003, 06:58 AM   #1
F451
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Default Re: Anti-Discrimination Heathly Insurance Bill in Senate

Finally! All who are sitting-on-the-fence...jump off and get going because the success of this bill makes a huge difference to motorcyclists.
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Old 11-12-2003, 07:20 AM   #2
Abe_Froman
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Default Re: Anti-Discrimination Heathly Insurance Bill in Senate

"Americans pay enough for their health insurance that they should receive the same coverage and benefits whether they break their arm skiing or from falling down the back stairs."-----Sen. Susan Collins (R-Maine)





So, the Lords are able to tell when the Serfs do and do not pay enough for something, and as a result use government power to coerce companies into conducting their business to her satisfaction? Boy this woman must be not only an unequalled economic and actuarial genius but psychic. Up until now I could've sworn that only the free market was truly able to determine when we do and do not pay enough for something.



True freedom has a cost. Unfortunately very few of us are willing to pay it anymore.
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Old 11-12-2003, 07:39 AM   #3
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Default Re: Anti-Discrimination Heathly Insurance Bill in Senate

Point One: There is no free market for insurance. It is highly regulated to favor profit for the insurers. They should not be able to pry into citizens private lives and social engineer us through health insurance premiums.

Point two: No one really can demonstrate causal connection between most "risk" and "health." If some drunk may hit me on my bike does than mean I am less "healthy" than the overweight, inactive booze hound driving a buick?



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Old 11-12-2003, 09:43 AM   #4
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Default Why the change?

The people that cheer on helmet laws should be absolutely giddy over insurance discrimination laws. That's what we all want, right? Safety and low rates are the keys to a happy life aren't they? Why should I pay for some idiot on a snowmobile that gets hurt? Why should my rates go up because a skier eats a tree? And if some moron is going to ride a motorcycle and get hurt, why is that MY problem? Ban em all I say! Get in your car with the 5 star rating and wear your seatbelt. Lets give the corrupt and morally bankrupt insurance industry even MORE reasons not to pay up. Like they don't have enough excuses. The author who wants us to "put your two bits in" should be on the side of the insurance people, judging by past posts. He certainly made clear that we shouldn't pay for people's right to choose. I wonder why he is so concerned about this? Since he has voiced his distaste of the AMA more than once, why even post anything from them? Did he become a mouthpiece for the AMA suddenly? Must be difficult to talk out your mouth and butt at the same time, but I guess some people make it an art form. Just remember that the same people you want to stick it the "them" are gonna stick it to YOU. Think about it.
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Old 11-12-2003, 10:36 AM   #5
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Default Re: Anti-Discrimination Heathly Insurance Bill in Senate

I think the real problem here is that the loophole wasn't clear. There is absolutely nothing wrong with charging higher premiums from people who engage in riskier activities; nobody complains about higher life insurance premiums for smokers, right? If there's a higher chance that you'll hurt yourself and cost the insurance company more money, you should be paying more for insurance. What's bad is when someone THINKS he's covered, highsides it on the highway and runs up a 6-figure hospital bill, only to be denied coverage for something he thought was covered. That's what's morally reprehensible about the insurance industry- they'll take your premiums even if they have no intention of covering you. Charging more of everybody because some people engage in risky activities is socialism, pure and simple. That's not how we do it here in the U.S. Go to Canada if you want government-sponsored health care for all.
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Old 11-12-2003, 11:08 AM   #6
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Default Re: Anti-Discrimination Heathly Insurance Bill in Senate

I could never go to Canada, the riding season is too short.
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Old 11-12-2003, 11:08 AM   #7
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Default Re: Anti-Discrimination Heathly Insurance Bill in Senate

There is little chance the insurance industry will lose money by this.



As they do with any other issue, they determine their risk and either charge a premium that covers them, or they choose not to provide the coverage.



Case in point here in Florida, the Insurance Commissioner passed an edict that said insurance companies must cover damage causd by hurricanes, and they can't discriminate based on location, building character, yada, yada, yada.



The result? It's damn near impossible to get coverage, since most companies have either pulled out, or they are not writing new policies.





And Longride, how 'bout you holster the flamethrower when someone posts information that has import to the M/C world? Jeez. It isn't like you're not in a target-rich environment.
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Old 11-12-2003, 11:10 AM   #8
Abe_Froman
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Default Re: Anti-Discrimination Heathly Insurance Bill in Senate

OK, how about they just refuse to insure you? Then they can't tell you what to do.



Health insurance is a voluntary contract subject to predetermined conditions by both the insured and the insurer. Funny how companies that enter into voluntary agreements with consumers are accused of social engineering, yet government can actually do said engineering by force of law and threat of punishment and it is OK.
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Old 11-12-2003, 12:53 PM   #9
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Default Re: Anti-Discrimination Heathly Insurance Bill in Senate

Health "Insurance" is just an effect of an out-of-control healthcare system, with unregulated costs and minimal government intervention. It is voluntary for a company to insure someone but realistically speaking, it is essential for a normal person to get and pay for health insurance.
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Old 11-12-2003, 01:31 PM   #10
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Default Re: Anti-Discrimination Heathly Insurance Bill in Senate

I sent the default email on the AMA website. I personally think it's bullsh!t that an insurance provider would deny coverage to those who engage in 'risky' behavior. If they are going charge a higher premium for those who do, how will the insurance company determine that rate? What if I ride my motorcycle to work everyday as a scuba instructor? Does that mean my insurance would be so high that I need to find a new line of work, or a new mode of transportation? Some of the idiots who post here would say that is my choice and I could just not have insurance. Well as anyone who has ever been injured can tell you, that isn't a good idea. The government does all kinds of stupid crap every day with the law, at least this one will ensure equal coverage for those who actually have insurance. Don't even get me started on the people without any insurance or money (and illegal immigrants) who cost us ALL when they get injured and the bill is picked up by the gov't.
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