Bts

All items relating to Healthcare: Medical insurance, company policies, insurance coverage, policy costs, and more!
Ahso!
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Joined: Wed Nov 11, 2009 1:38 pm

Bts

Post by Ahso! »

BTS;1279387 wrote: so where is the so called "reform" here?



do we get to shop around for drugs overseas?....NAW

do we get to shop between states for a better deal on insurance......NAW

will our premiums go down..............NAW

HMMM.....



Ok so how about more choices in plans.............NAW



So premiums remain the same, drugs cost the same....... YIPPERS ol Pelosi and Harry got er going on....



Thought the demoRats were all about change AND choice!!!:(:(Are these the elements of health care you would like to see addressed?
“Those who can make you believe absurdities can make you commit atrocities,”

Voltaire



I have only one thing to do and that's

Be the wave that I am and then

Sink back into the ocean

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Ahso!
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Joined: Wed Nov 11, 2009 1:38 pm

Bts

Post by Ahso! »

I'll take your non answer as a "yes" then.

So, my question to you is: why are you as a free market supporter looking to government to right the ship of corporations?
“Those who can make you believe absurdities can make you commit atrocities,”

Voltaire



I have only one thing to do and that's

Be the wave that I am and then

Sink back into the ocean

Fiona Apple
User avatar
BTS
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Bts

Post by BTS »

Ahso!;1280398 wrote: I'll take your non answer as a "yes" then.



So, my question to you is: why are you as a free market supporter looking to government to right the ship of corporations?


Originally Posted by BTS

so where is the so called "reform" here?



do we get to shop around for drugs overseas?....NAW

do we get to shop between states for a better deal on insurance......NAW

will our premiums go down..............NAW

HMMM.....



Ok so how about more choices in plans.............NAW



So premiums remain the same, drugs cost the same....... YIPPERS ol Pelosi and Harry got er going on....



Thought the demoRats were all about change AND choice!!!:(:(



You can take it any way you want pal, I don't want goverment to do anything but get outa the way of the "Free Market System".



Right now it is illegal to buy drugs from overseas........Huh who made that law?

Congress did............GET outa the way!!!



Right now if you live in say New Mexico like me you can NOT shop in Florida (where pemiums are less)...........HUH....who made that law?

Congress did...............Get outa the way!!! Let the Free Market work but no it can't with these restictions



Found this and it says MUCH better than this hickabilly can:





Welcome to Post Office Health Care



By: Sheldon Richman

Source: Campaign for Liberty

Mon, 21 Dec 2009 0:48:12 CST



America's health-care system has problems -- all traceable to government intervention -- but it could be worse. And if the so-called reform emerging in Congress is enacted, it will be worse.



The nub of the plan is that everyone must have health insurance and that all but the smallest employers should provide it. If someone doesn't have coverage, he'll be penalized. Low-income people will be subsidized by the taxpayers. Government will determine what's covered, which will set off a lobbying frenzy by providers of "indispensable" services and products. (This already goes on in the states, where "mandated benefits" include coverage for drug and alcoholism treatment, in vitro fertilization, and other less-than-widely-used services.) So people will be forced to have coverage they may not want.



Insurers will not be able to deny coverage or charge higher premiums to people already ill, that is, with so-called pre-existing conditions. The mandate to insure everyone and charge the same price regardless of health means that some will be forced to subsidize others. People of whatever income level whose insurance premiums would have been lower without the mandate will have to spend more because risk-based premiums will be illegal. That is not insurance; it's welfare.



Moreover, if government forces everyone to buy insurance while promising to keep health-care costs down, it will have an incentive to compel insurance companies to hold premiums artificially low. Since premiums will be set lower than the market would set them, insurance companies may choose not to write medical policies. What will the government do then? Order them to stay in business? Subsidize them?



Probably neither -- because a key feature that President Obama and Sen. Edward Kennedy favor is a government insurance plan to compete with private companies. Obama says the "public option" would keep private companies "honest."



People who distrust free markets love to imagine scenarios in which powerful companies engage in "predatory" competition to drive their rivals into bankruptcy. Yet such people have no objection to a government competitor in health insurance. Since any government program will be able to call on the taxpayers for financial support, it will be able to compete unfairly against private firms and perhaps drive them out of business.



Rationing health care



President Obama insists that people will be free to keep their current insurance plans. But what if the companies leave the market after being burdened by mandates and price controls, while the subsidized government program predatorily cuts its premium to a below-market level? And how will you keep your doctor if he retires early, fed up with low reimbursements and a ton of red tape?



The politicians' promises about choice are worthless.



With the government in control and trying to contain costs through price controls, the likely outcome will be shortages, queues, declining quality, and rationing -- which means greater government power and less freedom for the rest of us. A growing list of services won't be covered. Waiting lists will grow. Such things already happen in single-payer countries and with Medicare.



In the end, we will end up with the single-payer system that so many politicians have wanted all along but thought they couldn't get in one fell swoop. By making it impossible for private companies to operate, the fans of socialized medicine will get their long-held wish.



Under the emerging plan, the government will also create insurance exchanges, or markets for medical coverage. The New York Times reports,



The new entities would also act as financial intermediaries, receiving subsidy payments from the government and sending the money to insurance companies. The insurance exchanges would also redistribute money among health insurance plans, from those with a large share of healthy subscribers to those with large numbers of sick people.



If that isn't a recipe for favoritism, corruption, and special-interest jockeying, there's no such thing.



The exchanges are supposed to function like insurance markets, but that is odd, considering that it's government that keeps the insurance market from functioning fully. Americans are not free to buy whatever policy they want today because an interstate market is prohibited. Why? Because different states have different levels and features of mandated coverage. An interstate market would nullify the mandates by letting people buy the policy best-suited to them regardless of their state's mandates. It's a classic case of destroying freedom in order to grant special privileges. What's more important to a state legislator: your freedom or his campaign contributions from vendors who want their products or services made a mandatory part of that state's medical coverage?



If government really wanted a competition in insurance, it would abolish that prohibition. Government does not need to create competitive markets. It just needs to get out of the way.



Reducing the cost of health care



Obama promises that the new system, which will cost at least $1 trillion over a decade, won't increase the already-large deficit because he is going to save money by mandating database technology and $200 billion to $300 billion in Medicare and Medicaid cuts. Fat chance. The potential savings from electronic records are grossly exaggerated, studies have shown, and promises to cut billions from medical programs for the elderly and low-income people are hard to take seriously. Wait until the lobbies get hold of those proposals.



Obama also promises a less-expensive system by giving doctors incentives not to do medical tests or refer patients to specialists unnecessarily. But is that something we want to government to have a say in? Do you really want to see a doctor who is rewarded for doing fewer tests?



If unnecessary services are being given today, the problem is that people have no incentive to be cost-conscious about medical care because government makes it attractive to use insurance for even inexpensive, routine matters. In a free market, without tax-code favoritism, people would most likely have insurance for large expenses and pay out of pocket for less-expensive services. People would shop for the best values. In other words, there would be an efficiently functioning market for medical services. As with all markets, over time services would improve and get cheaper. That is what we see in the markets for cosmetic surgery and Lasik eye surgery, elective procedures that most people have to pay for out of pocket.



But instead of letting markets operate, Obama's reform will go in the opposite direction. To make sure no one gets "unnecessary" medical care, the emerging reform plan calls for fining people who do not have "qualified" coverage. Government will define what "qualified" means. This is shaping up to be a subtle form of rationing, which won't become obvious until the plan is in effect and people are being denied service. What then?



The upshot is that the likely reform will impose high real costs on most Americans, while ushering in rationing and regimentation. The plan does nothing to address what really keeps health care expensive: government domination of medicine. Tax policy encourages third-party payment for most Americans while government pays for much of the rest through Medicare and Medicaid, giving us an absurd system in which people use insurance for routine services and medical care appears virtually free for retirees and low-income people. Thus, government inflates demand, while licensing and other interventions suppress supply. That must end.



Either we free the people and the market, or say hello to post office health care.
"If America Was A Tree, The Left Would Root For The Termites...Greg Gutfeld."
Ahso!
Posts: 10215
Joined: Wed Nov 11, 2009 1:38 pm

Bts

Post by Ahso! »

BTS;1280412 wrote: Originally Posted by BTS

so where is the so called "reform" here?



do we get to shop around for drugs overseas?....NAW

do we get to shop between states for a better deal on insurance......NAW

will our premiums go down..............NAW

HMMM.....



Ok so how about more choices in plans.............NAW



So premiums remain the same, drugs cost the same....... YIPPERS ol Pelosi and Harry got er going on....



Thought the demoRats were all about change AND choice!!!:(:(



You can take it any way you want pal, I don't want goverment to do anything but get outa the way of the "Free Market System".



Right now it is illegal to buy drugs from overseas........Huh who made that law?

Congress did............GET outa the way!!!



Right now if you live in say New Mexico like me you can NOT shop in Florida (where pemiums are less)...........HUH....who made that law?

Congress did...............Get outa the way!!! Let the Free Market work but no it can't with these restictions



Found this and it says MUCH better than this hickabilly can:





Welcome to Post Office Health Care



By: Sheldon Richman

Source: Campaign for Liberty

Mon, 21 Dec 2009 0:48:12 CST



America's health-care system has problems -- all traceable to government intervention -- but it could be worse. And if the so-called reform emerging in Congress is enacted, it will be worse.



The nub of the plan is that everyone must have health insurance and that all but the smallest employers should provide it. If someone doesn't have coverage, he'll be penalized. Low-income people will be subsidized by the taxpayers. Government will determine what's covered, which will set off a lobbying frenzy by providers of "indispensable" services and products. (This already goes on in the states, where "mandated benefits" include coverage for drug and alcoholism treatment, in vitro fertilization, and other less-than-widely-used services.) So people will be forced to have coverage they may not want.



Insurers will not be able to deny coverage or charge higher premiums to people already ill, that is, with so-called pre-existing conditions. The mandate to insure everyone and charge the same price regardless of health means that some will be forced to subsidize others. People of whatever income level whose insurance premiums would have been lower without the mandate will have to spend more because risk-based premiums will be illegal. That is not insurance; it's welfare.



Moreover, if government forces everyone to buy insurance while promising to keep health-care costs down, it will have an incentive to compel insurance companies to hold premiums artificially low. Since premiums will be set lower than the market would set them, insurance companies may choose not to write medical policies. What will the government do then? Order them to stay in business? Subsidize them?



Probably neither -- because a key feature that President Obama and Sen. Edward Kennedy favor is a government insurance plan to compete with private companies. Obama says the "public option" would keep private companies "honest."



People who distrust free markets love to imagine scenarios in which powerful companies engage in "predatory" competition to drive their rivals into bankruptcy. Yet such people have no objection to a government competitor in health insurance. Since any government program will be able to call on the taxpayers for financial support, it will be able to compete unfairly against private firms and perhaps drive them out of business.



Rationing health care



President Obama insists that people will be free to keep their current insurance plans. But what if the companies leave the market after being burdened by mandates and price controls, while the subsidized government program predatorily cuts its premium to a below-market level? And how will you keep your doctor if he retires early, fed up with low reimbursements and a ton of red tape?



The politicians' promises about choice are worthless.



With the government in control and trying to contain costs through price controls, the likely outcome will be shortages, queues, declining quality, and rationing -- which means greater government power and less freedom for the rest of us. A growing list of services won't be covered. Waiting lists will grow. Such things already happen in single-payer countries and with Medicare.



In the end, we will end up with the single-payer system that so many politicians have wanted all along but thought they couldn't get in one fell swoop. By making it impossible for private companies to operate, the fans of socialized medicine will get their long-held wish.



Under the emerging plan, the government will also create insurance exchanges, or markets for medical coverage. The New York Times reports,



The new entities would also act as financial intermediaries, receiving subsidy payments from the government and sending the money to insurance companies. The insurance exchanges would also redistribute money among health insurance plans, from those with a large share of healthy subscribers to those with large numbers of sick people.



If that isn't a recipe for favoritism, corruption, and special-interest jockeying, there's no such thing.



The exchanges are supposed to function like insurance markets, but that is odd, considering that it's government that keeps the insurance market from functioning fully. Americans are not free to buy whatever policy they want today because an interstate market is prohibited. Why? Because different states have different levels and features of mandated coverage. An interstate market would nullify the mandates by letting people buy the policy best-suited to them regardless of their state's mandates. It's a classic case of destroying freedom in order to grant special privileges. What's more important to a state legislator: your freedom or his campaign contributions from vendors who want their products or services made a mandatory part of that state's medical coverage?



If government really wanted a competition in insurance, it would abolish that prohibition. Government does not need to create competitive markets. It just needs to get out of the way.



Reducing the cost of health care



Obama promises that the new system, which will cost at least $1 trillion over a decade, won't increase the already-large deficit because he is going to save money by mandating database technology and $200 billion to $300 billion in Medicare and Medicaid cuts. Fat chance. The potential savings from electronic records are grossly exaggerated, studies have shown, and promises to cut billions from medical programs for the elderly and low-income people are hard to take seriously. Wait until the lobbies get hold of those proposals.



Obama also promises a less-expensive system by giving doctors incentives not to do medical tests or refer patients to specialists unnecessarily. But is that something we want to government to have a say in? Do you really want to see a doctor who is rewarded for doing fewer tests?



If unnecessary services are being given today, the problem is that people have no incentive to be cost-conscious about medical care because government makes it attractive to use insurance for even inexpensive, routine matters. In a free market, without tax-code favoritism, people would most likely have insurance for large expenses and pay out of pocket for less-expensive services. People would shop for the best values. In other words, there would be an efficiently functioning market for medical services. As with all markets, over time services would improve and get cheaper. That is what we see in the markets for cosmetic surgery and Lasik eye surgery, elective procedures that most people have to pay for out of pocket.



But instead of letting markets operate, Obama's reform will go in the opposite direction. To make sure no one gets "unnecessary" medical care, the emerging reform plan calls for fining people who do not have "qualified" coverage. Government will define what "qualified" means. This is shaping up to be a subtle form of rationing, which won't become obvious until the plan is in effect and people are being denied service. What then?



The upshot is that the likely reform will impose high real costs on most Americans, while ushering in rationing and regimentation. The plan does nothing to address what really keeps health care expensive: government domination of medicine. Tax policy encourages third-party payment for most Americans while government pays for much of the rest through Medicare and Medicaid, giving us an absurd system in which people use insurance for routine services and medical care appears virtually free for retirees and low-income people. Thus, government inflates demand, while licensing and other interventions suppress supply. That must end.



Either we free the people and the market, or say hello to post office health care.This is your opinion or his? have you read it? Can you summarize it for me?
“Those who can make you believe absurdities can make you commit atrocities,”

Voltaire



I have only one thing to do and that's

Be the wave that I am and then

Sink back into the ocean

Fiona Apple
User avatar
BTS
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Joined: Mon Mar 21, 2005 10:47 am

Bts

Post by BTS »

Ahso!;1280420 wrote: This is your opinion or his? have you read it? Can you summarize it for me?


:wah::yh_rotfl:driving::guitarist
"If America Was A Tree, The Left Would Root For The Termites...Greg Gutfeld."
User avatar
BTS
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Bts

Post by BTS »

this from my first reply to you and it is where I stand...........

As far as summerizing for you:yh_rotfl



Quote bts;



You can take it any way you want pal, I don't want goverment to do anything but get outa the way of the "Free Market System".

Right now it is illegal to buy drugs from overseas........Huh who made that law?

Congress did............GET outa the way!!!

Right now if you live in say New Mexico like me you can NOT shop in Florida (where pemiums are less)...........HUH....who made that law?

Congress did...............Get outa the way!!! Let the Free Market work but no it can't with these restictions
"If America Was A Tree, The Left Would Root For The Termites...Greg Gutfeld."
Ahso!
Posts: 10215
Joined: Wed Nov 11, 2009 1:38 pm

Bts

Post by Ahso! »

BTS;1280440 wrote: this from my first reply to you and it is where I stand...........

As far as summerizing for you:yh_rotfl



Quote bts;



You can take it any way you want pal, I don't want goverment to do anything but get outa the way of the "Free Market System".

Right now it is illegal to buy drugs from overseas........Huh who made that law?

Congress did............GET outa the way!!!

Right now if you live in say New Mexico like me you can NOT shop in Florida (where pemiums are less)...........HUH....who made that law?

Congress did...............Get outa the way!!! Let the Free Market work but no it can't with these restictionsSo then I take it that you feel its not working as is?
“Those who can make you believe absurdities can make you commit atrocities,”

Voltaire



I have only one thing to do and that's

Be the wave that I am and then

Sink back into the ocean

Fiona Apple
Ahso!
Posts: 10215
Joined: Wed Nov 11, 2009 1:38 pm

Bts

Post by Ahso! »

Why won't the insurance companies just lower the price in New Mexico?
“Those who can make you believe absurdities can make you commit atrocities,”

Voltaire



I have only one thing to do and that's

Be the wave that I am and then

Sink back into the ocean

Fiona Apple
Ahso!
Posts: 10215
Joined: Wed Nov 11, 2009 1:38 pm

Bts

Post by Ahso! »

Funny how you want to hold government responsible and not the corporations. Corporations write most of the bills, you know.
“Those who can make you believe absurdities can make you commit atrocities,”

Voltaire



I have only one thing to do and that's

Be the wave that I am and then

Sink back into the ocean

Fiona Apple
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BTS
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Joined: Mon Mar 21, 2005 10:47 am

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Post by BTS »

Ahso!;1280444 wrote: Why won't the insurance companies just lower the price in New Mexico?


They can't!

Don't you do research?
"If America Was A Tree, The Left Would Root For The Termites...Greg Gutfeld."
Ahso!
Posts: 10215
Joined: Wed Nov 11, 2009 1:38 pm

Bts

Post by Ahso! »

BTS;1280438 wrote: :wah::yh_rotfl:driving::guitaristI guess that means its his opinion, you haven't read it and therefore cannot summarize it?

Anyone can copy and paste, BTS. Express it in your own words.

Is it a confidence issue?
“Those who can make you believe absurdities can make you commit atrocities,”

Voltaire



I have only one thing to do and that's

Be the wave that I am and then

Sink back into the ocean

Fiona Apple
Ahso!
Posts: 10215
Joined: Wed Nov 11, 2009 1:38 pm

Bts

Post by Ahso! »

BTS;1280448 wrote: They can't!

Don't you do research?What do you mean they can't? Of course they can.
“Those who can make you believe absurdities can make you commit atrocities,”

Voltaire



I have only one thing to do and that's

Be the wave that I am and then

Sink back into the ocean

Fiona Apple
User avatar
BTS
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Joined: Mon Mar 21, 2005 10:47 am

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Post by BTS »

Ahso!;1280447 wrote: Funny how you want to hold government responsible and not the corporations. Corporations write most of the bills, you know.


Really now, the law that prohibits shopping across state line was written in 1945 (wonder what big ol bad company wrote that ?)



States have regulated health insurance since the 1945 passage of the McCarran Ferguson Act, which, among other things, forbids interstate sale of insurance (health, auto, homeowners). States have regulated insurance ever since. Many insurance companies sell policies in different states but, in doing so, must comply with a given state's regulations.



The McCarran–Ferguson Act, 15 U.S.C. §§ 1011-1015, is a United States federal law that exempts insurance companies from the federal anti-trust legislation that applies to most businesses[1] and allows state law to regulate the business of insurance without federal government interference. The McCarran–Ferguson Act was passed by Congress in 1945 after the Supreme Court ruled in United States v. South-Eastern Underwriters Association that the federal government could regulate insurance companies under the authority of the Commerce Clause in the U.S. Constitution.

The Act was sponsored by Senators Pat McCarran (D-NV) and Homer Ferguson (R-MI).



SOOOO

Who wrote that law? The companies or congress?
"If America Was A Tree, The Left Would Root For The Termites...Greg Gutfeld."
Ahso!
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Joined: Wed Nov 11, 2009 1:38 pm

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Post by Ahso! »

Well if its on the books in congress, then congress must have, right? Lobbying and influence didn't go on back then, did it?

But you stated that the insurance companies could not lower their prices in New Mexico, didn't you? And I said they could. If you're correct then how would introducing more competition into the market help?
“Those who can make you believe absurdities can make you commit atrocities,”

Voltaire



I have only one thing to do and that's

Be the wave that I am and then

Sink back into the ocean

Fiona Apple
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BTS
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Joined: Mon Mar 21, 2005 10:47 am

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Post by BTS »

I Quit .................You WIN.................

I humble myself, you are just way to clever...........:-4

By, Buy, Bi
"If America Was A Tree, The Left Would Root For The Termites...Greg Gutfeld."
Ahso!
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Joined: Wed Nov 11, 2009 1:38 pm

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Post by Ahso! »

Thats right - run!
“Those who can make you believe absurdities can make you commit atrocities,”

Voltaire



I have only one thing to do and that's

Be the wave that I am and then

Sink back into the ocean

Fiona Apple
User avatar
BTS
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Joined: Mon Mar 21, 2005 10:47 am

Bts

Post by BTS »

Ahso!;1280455 wrote: Well if its on the books in congress, then congress must have, right? Lobbying and influence didn't go on back then, did it?



But you stated that the insurance companies could not lower their prices in New Mexico, didn't you? And I said they could. If you're correct then how would introducing more competition into the market help?


I dunno........................I'm just a dumb ol copy paste hickabilly supply side idiot...........How the fork should I know............





Or better yet asho..PROVE me wrong if you are so sure they could lower them:driving:



As far as arguing for a free market with a anti-capitalist without a clue...........I digress
"If America Was A Tree, The Left Would Root For The Termites...Greg Gutfeld."
Ahso!
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Joined: Wed Nov 11, 2009 1:38 pm

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Post by Ahso! »

Oh so you want to stay and fight now? make up your mind and let me know. Either one is fine with me.

Your words are in the OP of this thread. Either clarify them or back them up.

Perhaps you should avoid making statements you can't stand behind.

I don't really have to prove you wrong as the market has already done that, I'm simply pointing it out.
“Those who can make you believe absurdities can make you commit atrocities,”

Voltaire



I have only one thing to do and that's

Be the wave that I am and then

Sink back into the ocean

Fiona Apple
Ahso!
Posts: 10215
Joined: Wed Nov 11, 2009 1:38 pm

Bts

Post by Ahso! »

Here are five health insurance companies which operate in New Mexico.

New Mexico

Blue Cross and Blue Shield of New Mexico

Celtic Ins. Co.

Lovelace Health Plans

Presbyterian

UnitedHealthcareHow many do you think it will take for there to be enough competition, BTS?

source http://www.ehealthinsurance.com/ehi/IFP ... s?ZipCode=
“Those who can make you believe absurdities can make you commit atrocities,”

Voltaire



I have only one thing to do and that's

Be the wave that I am and then

Sink back into the ocean

Fiona Apple
Ahso!
Posts: 10215
Joined: Wed Nov 11, 2009 1:38 pm

Bts

Post by Ahso! »

Heres something interesting. I plugged in a couple of birth dates for 2 people in their fifties. Heres what I got:



We found 64 plans starting as low as $195.33 a month

Results based on 2 applicants located in VALENCIA County, effective 2/1/2010 ( Edit )



*Please read legal disclaimers at the end of this printout.



Talk to a live representative at 1-800-977-8860

Mon - Fri, 5AM-9PM PT. Sat & Sun 7am-4pm PT. Jan 8 5am-5pm PT.

Live chat is also available at our website at www.ehealthinsurance.com 24x7.



Your Quote Summary and Quote Number:

Coverage for: Applicant (M/53), Spouse (F/50)

State / Zip Code: NM / 87034

County: VALENCIA

Coverage Start Date: 2/1/2010



Quotes generated on 1/8/2010



As low as

$244 monthly

Presbyterian

Caring for New Mexicans for over 100 years, our individual plans include in-network preventive care paid at 100%, dental, vision, and more.

As low as

$196 monthly

UnitedHealthcare

Optional Dental, Life, and Vision now available! Plans underwritten by Golden Rule Insurance Company, a UnitedHealthcare Company.



Best Sellers

All Plans (64) Plans with Your Doctor Help Me Choose

Showing 10 of 64 Plans|Show All



* Sort by:

* Best Seller

* Price

* Deductible

* Ratings

* Company





Individual Plan $4000 Deductible 70/30





Lovelace Health Plans AM Best Rating: NR-5 Plan Type Deductible Coinsurance Office Visit

PPO $4,000 30% $25



$276.63

Monthly Cost

Select Plan

Prescription Drug Covered No Maternity Coverage No Application Fee eApproval Unavailable Not Eligible for Health Savings Account (HSA)



Find Doctor

Plan Details



Not Yet Rated

Compare (up to 4 plans)

Click to Compare





This plan is one of our Best Seller plans!

PresMetro $5,000/80%





Presbyterian AM Best Rating: NR-5 Plan Type Deductible Coinsurance Office Visit

PPO $5,000 20% $20



$269.18

Monthly Cost

Select Plan

Prescription Drug Covered No Maternity Coverage No Application Fee eApproval Unavailable Not Eligible for Health Savings Account (HSA)



Find Doctor

Plan Details



Not Yet Rated

Compare (up to 4 plans)

Click to Compare





This plan is one of our Best Seller plans!

Individual Plan $2000 Deductible 80/20





Lovelace Health Plans AM Best Rating: NR-5 Plan Type Deductible Coinsurance Office Visit

PPO $2,000 20% $20



$367.45

Monthly Cost

Select Plan

Prescription Drug Covered No Maternity Coverage No Application Fee eApproval Unavailable Not Eligible for Health Savings Account (HSA)



Find Doctor

Plan Details



Not Yet Rated

Compare (up to 4 plans)

Click to Compare





This plan is one of our Best Seller plans!

PresMetro $1,000/80%





Presbyterian AM Best Rating: NR-5 Plan Type Deductible Coinsurance Office Visit

PPO $1,000 20% $20



$425.60

Monthly Cost

Select Plan

Prescription Drug Covered No Maternity Coverage No Application Fee eApproval Unavailable Not Eligible for Health Savings Account (HSA)



Find Doctor

Plan Details



Not Yet Rated

Compare (up to 4 plans)

Click to Compare





This plan is one of our Best Seller plans!

BlueEdge 100 - 5000





Blue Cross and Blue Shield of New Mexico AM Best Rating: A+ Plan Type Deductible Coinsurance Office Visit

PPO $10,000 0% You pay nothing after deductible



$243.70

Monthly Cost

Select Plan

Prescription Drug Covered No Maternity Coverage No Application Fee eApproval Unavailable HSA Eligible

HSA Options



Find Doctor

Plan Details



Not Yet Rated

Compare (up to 4 plans)

Click to Compare





This plan is one of our Best Seller plans!

BlueEdge Basic - 2600





Blue Cross and Blue Shield of New Mexico AM Best Rating: A+ Plan Type Deductible Coinsurance Office Visit

PPO $5,150 20% You pay 20% after deductible



$250.71

Monthly Cost

Select Plan

Prescription Drug Covered No Maternity Coverage No Application Fee eApproval Unavailable HSA Eligible

HSA Options



Find Doctor

Plan Details



Not Yet Rated

Compare (up to 4 plans)

Click to Compare





This plan is one of our Best Seller plans!

Individual Plan $2000 Deductible 70/30





Lovelace Health Plans AM Best Rating: NR-5 Plan Type Deductible Coinsurance Office Visit

PPO $2,000 30% $25



$341.56

Monthly Cost

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Prescription Drug Covered No Maternity Coverage No Application Fee eApproval Unavailable Not Eligible for Health Savings Account (HSA)



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This plan is one of our Best Seller plans!

HSA Saver - 5000



24 Hour Approval

UnitedHealthcare Individual Markets AM Best Rating: A Plan Type Deductible Coinsurance Office Visit

Network $10,000 0% Not Covered



$195.33

Monthly Cost

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No Prescription Drug Coverage No Maternity Coverage No Application Fee eApproval Unavailable HSA Eligible

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This plan is one of our Best Seller plans!

BlueEdge 100 - 3500





Blue Cross and Blue Shield of New Mexico AM Best Rating: A+ Plan Type Deductible Coinsurance Office Visit

PPO $7,000 0% You pay nothing after deductible



$285.50

Monthly Cost

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Prescription Drug Covered No Maternity Coverage No Application Fee eApproval Unavailable HSA Eligible

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CelticSaver HSA PPO- 80/20 5150



eApproval

Celtic Ins. Co. AM Best Rating: B++ Plan Type Deductible Coinsurance Office Visit

PPO $5,150 20% You pay 20% after deductible



$402.56

Monthly Cost

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Prescription Drug Covered No Maternity Coverage No Application Fee

eApproval HSA Eligible

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This plan is one of our Best Seller plans!


Now perhaps you can explain to me how these prices are not the responsibility of the insurance companies.
“Those who can make you believe absurdities can make you commit atrocities,”

Voltaire



I have only one thing to do and that's

Be the wave that I am and then

Sink back into the ocean

Fiona Apple

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