We are a commune of inquiring, skeptical, politically centrist, capitalist, anglophile, traditionalist New England Yankee humans, humanoids, and animals with many interests beyond and above politics. Each of us has had a high-school education (or GED), but all had ADD so didn't pay attention very well, especially the dogs. Each one of us does "try my best to be just like I am," and none of us enjoys working for others, including for Maggie, from whom we receive neither a nickel nor a dime. Freedom from nags, cranks, government, do-gooders, control-freaks and idiots is all that we ask for.
Abdul Baset Ali al-Megrahi, the Libyan convicted of the bombing, had shown “no sensitivity” to the families of those who died, Kenny MacAskill, Scotland’s Justice Secretary, told the Scottish Parliament....
Saints are no more common in the insurance industry than in politics or even among paragons of virtue like economists. So there will always be horror stories, even if these are less numerous or less horrible than what is likely to happen if Obamacare gets passed into law.
Obama even gets away with saying things like having a system to "keep insurance companies honest"-- and many people may not see the painful irony in politicians trying to keep other people honest. Certainly most of the media are unlikely to point out this irony.
American democracy has never been democracy by plebiscite, a process by which a leader is anointed, then the populace steps out of the way, and the anointed one puts his political program in place. In the American tradition, the "mandate of heaven" is gained and lost every day and people talk back to their leaders. They are not held in thrall by them. The leaders are not infallible or a breed apart. That way is the Third World way, the way it plays out in Arab and Latin American politics.
The only President America treated with anything like a cult of personality was George Washington (and maybe FDR, sad to say). Washington rejected it, and rightly, graciously, and honorably refused to run for re-election. Americans do not "anoint" - we hire and fire. We should probably fire more often, and more pols should make themselves temporary public servants rather than careerists. Government is not a religion - and politics should not be a road to an easy life and a generous pension for lazy or incompetent narcissists, schmoozers, and con artists.
Funny stuff from Obama and the Democrats. The State Departments of Insurance already vigorously enforce their regulations to "keep insurance companies honest". The problem is that there are 50 different sets of regulations which greatly add to the cost of administering health insurance policies. Obama’s proposed Healthcare “reform” would not (cannot Constitutionally) replace the states’ regulations, only add to them.
So he just pretends the DOI's don't exist.
If ever feel you are being cheated by an insurance carrier, call your state DOI - even the threat of such a call will usually change their tune.
NJ Soldier ... Hate to admit my ignorance, but I never knew about the State Departments of Insurance and their enforcement of regulations to keep insurance companies honest. Thanks for the very valuable tip, my friend.
Howdy Marianne and NJSoldier
Insurance is primarily a contract operation; you pay a monthly fee to arrange reimbursement in the event that you need help with a covered loss. That's true of car insurance, home insurance, and health insurance.
States have primary responsibility for contract law and financial units like banks and insurance companies. The responsible agency may have a number of names. NJSoldier's broad term is certainly enough for the job.
States have also imposed (in some cases) very detailed requirements on health care insurance. If you're wondering how that will lower premiums, the answer of course is that it won't.
I believe you can go to any insurance company or the insurance commissioners of the states and ask for what is known as the "yellow" book.
Every insurance company is required to file one at least once per year. It details all kinds of arcane information about the activities and finances of the insurance company within that particular state.
NJS points out what is largely missing from the debate. All of this is UNCONSTITUTIONAL!!!
God help those of us who love freedom!!! God have mercy on those that do not!