Liberal Forum

*Beekeeper » 08 Dec 2024, 8:02 am » wrote: ↑

08 Dec 2024, 8:02 am

READ what I wrote. I SAID and plain as day, PART C ISN'T FOR EVERYONE!!

Now, PLEASE, take your **** back to wherever you crawled out of. PERHAPS you would prefer a non-stop stream of BudLight ads??

What ever happened to your belief in the FREE ENTERPRISE SYSTEM!! As a FYI, yesterday ENDED open enrollment and the ads will likely end with it.

I pretty much said the same thing first:
"Devil's in the details."
I did that without implying you lack intellectual capability or integrity.

If you don't quite understand what that phrase means, too bad.

Bottom line: Don't get sick or age. Then it's a moot point.  
 

DeezerShoove » 08 Dec 2024, 8:22 am » wrote: ↑

08 Dec 2024, 8:22 am

I pretty much said the same thing first:
"Devil's in the details."
I did that without implying your lack of intellectual capability or integrity.

If you don't quite understand what that phrase means, too bad.

Bottom line: Don't get sick or age. Then it's a moot point.

You really just showed more ignorance.

EVERYONE will get sick AND AGE. Eventually you die. And not from lack of sickness.

*Beekeeper » 08 Dec 2024, 8:29 am » wrote: ↑

08 Dec 2024, 8:29 am

You really just showed more ignorance.

EVERYONE will get sick AND AGE. Eventually you die. And not from lack of sickness.

Ok. Now we're done. Too bad I have to actually explain that, Dangerfield.

Get a **** sense of humor and lighten up.
The strings on my lyre aren't as tight as you.

Cannonpointer » 07 Dec 2024, 11:03 pm » wrote: ↑

07 Dec 2024, 11:03 pm

I had that function for years, but turned it off recently for business reasons - needed to get some non-contact calls. 

I am considering turning it back on. I get perhaps 50 calls per day from spammers - and maybe 5 to 10 spam texts. I've had my phone number since 07.

I got a new phone number for the same reason and ended up getting locked out of Yahoo E Mail with no way to get back in.

Cannonpointer » 07 Dec 2024, 11:03 pm » wrote: ↑

07 Dec 2024, 11:03 pm

I had that function for years, but turned it off recently for business reasons - needed to get some non-contact calls. 

I am considering turning it back on. I get perhaps 50 calls per day from spammers - and maybe 5 to 10 spam texts. I've had my phone number since 07.

The non-contacts are important to me because I do some work that requires people to reach me via word-of-mouth.

When my number gets to one of those strangers I have to be available regardless of the spam crap I endure.
I've had the same number for a LONG time but block spammers every week. Used to be every day.
Is that why the number of calls has dwindled? Who knows?

Being a complete asshole to people when I pick up helps too.
Only had to apologize one time because I was rude to a legit caller. A very understanding caller.   

DeezerShoove » 08 Dec 2024, 12:35 am » wrote: ↑

08 Dec 2024, 12:35 am

I must be lucky then. The doctors I had (GP) were old farts in Buicks. Married with children that have children.
Because the last old fart retired I now have a woman who had her third kid a few years ago.
Grandpas and moms don't fit your scenario.   

But like I said, I don't have the inclination to test fit doctors until I find a match that I like.
Especially if I need a passport to go see him.
I do appreciate the sentiment about treating health versus sickness.

You posted something about a Dr Cabral. I looked up reviews on him.
Besides the usual "He's a quack" **** that I fully ignore there were comments about how expensive his stuff is.
That part is not easy to dismiss. 

Ever heard of Dr Al Sears? Another anti-aging dude.

I've not heard of sears, and I don't travel for medicine, except dentistry. 

My medicine is my life style. I don't eat poison, so I don't become diseased. 

Also, I've sworn off crack whores. Won't even kiss 'em. 

I also water fast, and I check my levels through hair analysis and make adjustments as necessary. The body heals itself, if you give it what it needs. Cancer is a pet that demands to be fed. 

*GHETTOBLASTER » 08 Dec 2024, 10:09 am » wrote: ↑

08 Dec 2024, 10:09 am

I got a new phone number for the same reason and ended up getting locked out of Yahoo E Mail with no way to get back in.

That sucks. You should always have your email accounts linked to one another, so that if you get locked out of one, you can use the other to receive a link to get back in.

Cannonpointer » 08 Dec 2024, 9:22 pm » wrote: ↑

08 Dec 2024, 9:22 pm

I've not heard of sears, and I don't travel for medicine, except dentistry. 

My medicine is my life style. I don't eat poison, so I don't become diseased. 

Also, I've sworn off crack whores. Won't even kiss 'em. 

I also water fast, and I check my levels through hair analysis and make adjustments as necessary. The body heals itself, if you give it what it needs. Cancer is a pet that demands to be fed.

I know too many people that seemed to "take care of themselves" and end up with some **** up disease anyway. So, I can't say I adhere to any strong belief that we can escape the poisons you speak of.
I try more or less to not succumb to temptations every time.

If I start walking around with a tube stuck to my nose or a bag of **** in my fanny pack, I think that will be my signal to slip these mortal coils. So far, so good.   
 

DeezerShoove » 07 Dec 2024, 8:10 am » wrote: ↑

07 Dec 2024, 8:10 am

They advertise the **** out of Part C, you know: Medicare Advantage.

Whose "advantage" is the question you have to ask. I have talked with many seniors.
Getting stuck in network providers and always needing a referral for the smallest stuff is time-consuming, confusing, not your choice, etc.

If they have to market Part C so heavily then it says "the product doesn't sell itself". Not so good.
Like being pushed into "coordinated benefits" when buying car insurance.
You may save a couple dollars now, but potential is high you will get **** if you need to use the **** someday.

Devil is in the details. As someone recently posted: ANSTAAFL.  
The medical industry has almost as many lawyers as doctors. Very hard and expensive to win with those ****.
Don't spend that 50 dollars a month savings. You may need it for the fine print. 

Since the inception of magic negro care (obama care) the number of doctors has remained relatively the same, but the people in administration have tripled.  What does that tell you about the ridiculous increases in medical costs?  It doesn't translate into better healthcare.  Health insurance is not the same as healthcare!!!
As to private health insurance corporations they take your premiums betting you will not get sick, you pay your high premiums betting you will get sick...who has more money you or the **** private insurance corporations?
Medicare Advantage plans are a scam and ripoff to Seniors!!!

"The bombardment of ads, letters, and brochures also don't tell you that Medicare Advantage plans, like most private insurance plans, typically have limited—and often inadequate—networks of doctors and hospitals. By contrast, almost all healthcare providers participate in the traditional Medicare program, which doesn't even have "networks."
What happens when seniors need care beyond a wellness check-up or lunch delivery? Some networks are so limited that seniors must pay hundreds or thousands of dollars if they travel out of state or need more substantive care. Because networks are usually confined to specific geographic areas, seniors can end up on the hook for the entire bill.
The private health insurance market, like the kind of coverage people get through their employer, doesn't see anywhere near the level of marketing that Medicare Advantage does. Why? Because many Medicare Advantage insurers have learned how to maximize revenue by claiming their enrollees are sicker than they really are. So they are effectively scamming everyone—from the federal government to taxpayers to seniors. To keep the federal dollars flowing, insurers donate millions of dollars to Congressional candidates and spend even more on lobbying. That goes a long way toward explaining why every year hundreds of members of Congress sign on to an industry-generated letter expressing support for the Medicare Advantage program. This despite numerous reports and studies over the years that document how insurers have rigged the program to get billions more dollars from taxpayers unlawfully."

How Medicare Advantage Scams Seniors | Opinion - Newsweek

 

DeezerShoove » 07 Dec 2024, 8:10 am » wrote: ↑

07 Dec 2024, 8:10 am

They advertise the **** out of Part C, you know: Medicare Advantage.

Whose "advantage" is the question you have to ask. I have talked with many seniors.
Getting stuck in network providers and always needing a referral for the smallest stuff is time-consuming, confusing, not your choice, etc.

If they have to market Part C so heavily then it says "the product doesn't sell itself". Not so good.
Like being pushed into "coordinated benefits" when buying car insurance.
You may save a couple dollars now, but potential is high you will get **** if you need to use the **** someday.

Devil is in the details. As someone recently posted: ANSTAAFL.  
The medical industry has almost as many lawyers as doctors. Very hard and expensive to win with those ****.
Don't spend that 50 dollars a month savings. You may need it for the fine print. 

Iv'e been an independent insurance agent for 22 years. I have over 600 Medicare customers. 65% are on Med C. I have gotten ONE phone call with a actual complaint about C. Filed an appeal and procedure was approved. I get way more phone calls from Med Sup customers complaining about their ANNUAL 10-%-15%. rate increase. BOTH work fine. It's a preference thing.

EDC4ALL! » 09 Dec 2024, 10:27 am » wrote: ↑

09 Dec 2024, 10:27 am

Iv'e been an independent insurance agent for 22 years. I have over 600 Medicare customers. 65% are on Med C. I have gotten ONE phone call with a actual complaint about C. Filed an appeal and procedure was approved. I get way more phone calls from Med Sup customers complaining about their ANNUAL 10-%-15%. rate increase. BOTH work fine. It's a preference thing.

I have never been happy with ANY network services. Medical, dental, co-op food stores, HOA, etc.
People suck. THEIR choices for ME suck.
I don't even like music playlists offered by Apple, Pandora, Spotify, Google...

Gut feel is big with me.
If a doctor seems kind of "off" but that's all I have... yuk.
Gotta go back to the pre-chosen list and find someone else.

Some people don't mind that stupid ****. Hard to believe you don't hear about the same crap I hear about.

Serious question:
Why is it such a hard sell for advantage (Part C)? If it's so wonderful, why the pushiness?
That really seems confusing. You never hear ads to try to "sell" standard medicare.
There's a motivating factor in the mix.

DeezerShoove » 09 Dec 2024, 11:42 am » wrote: ↑

09 Dec 2024, 11:42 am

I have never been happy with ANY network services. Medical, dental, co-op food stores, HOA, etc.
People suck. THEIR choices for ME suck.
I don't even like music playlists offered by Apple, Pandora, Spotify, Google...

Gut feel is big with me.
If a doctor seems kind of "off" but that's all I have... yuk.
Gotta go back to the pre-chosen list and find someone else.

Some people don't mind that stupid ****. Hard to believe you don't hear about the same crap I hear about.

Serious question:
Why is it such a hard sell for advantage (Part C)? If it's so wonderful, why the pushiness?
That really seems confusing. You never hear ads to try to "sell" standard medicare.
There's a motivating factor in the mix.

NO ONE is making you use any network provider. It's called CHOICES!!

I can make mine and you can make yours. When you learn that simple fact that taking away someone ELSE'S choice OF a network because it serves them well isn't call freedom. What you want is to take away the INFORMATION about such choices and that too, isn't freedom of choice but YOUR control of information!! Which is what FASCISTS DO to keep their little playground as the ONLY thing you get.

It's NOT a "hard sell" for anything, but Part C is NOT a government administered program, but one BY PRIVATE ENTERPRISE and that is advertised all the time. WHY is beer such a hard sell, but you see 500 beer commercials on ANY given Sunday NFL afternoon. Same with any OTHER product you want to name. It's called ADVERTISING and something we get in our lives. Don't like it, TURN OFF YOUR TV.

Regular Medicare doesn't have to be "sold" and would REQUIRE a government funded commercial to do so. WHEN CONGRESS APPROPRIATES THE FUNDS, YOU WILL GET THOSE ADS, but the FACT IS, it's advertised when you pay those taxes. Part C offers MORE than traditional Medicare and MANY eligible haven't even checked out what it offers. They KNOW what Part A and B offer already, so giving them a CHOICE is all that is being done here. Get the information, compare what you have NOW, and you decide for YOURSELF which works best for YOU!!

I can tell you that I know a couple that had Trad Medicare and a supplement and drug plan. They had somewhat heard of Part C Medicare Advantage. They were paying OVER $750 a month in premiums for the supplements and drug plans. What they HAD heard was the same CRAP you are spewing and didn't even check it out. I explained that what they THOUGHT they knew and had heard was 100% WRONG in every aspect. 

So they asked me what I knew about Part C and I said I did. Showed them what several plans offered, showed them that their doctors were in network, that all their drugs were covered AND that their vision, dental, and hearing benefits that THEY HAD TO PAY OUT OF POCKET were also covered to a large degree. AND at ZERO PREMIUMS vs. $ 750 a month. THAT'S $9,000 a YEAR they aren't paying NOW, their copays come nowhere NEAR that amount, and they have FAR BETTER benefits.  Add the dental and vision along they paid last year, it was over $3500 of covered expenses that ALSO would not have paid 100% out of pocket too.

So please, EDUCATE yourself before you spew such hate for something MORE AND MORE SENIORS are using for their healthcare benefits.

*Beekeeper » 09 Dec 2024, 12:46 pm » wrote: ↑

09 Dec 2024, 12:46 pm

NO ONE is making you use any network provider. It's called CHOICES!!

I can make mine and you can make yours. When you learn that simple fact that taking away someone ELSE'S choice OF a network because it serves them well isn't call freedom. What you want is to take away the INFORMATION about such choices and that too, isn't freedom of choice but YOUR control of information!! Which is what FASCISTS DO to keep their little playground as the ONLY thing you get.

It's NOT a "hard sell" for anything, but Part C is NOT a government administered program, but one BY PRIVATE ENTERPRISE and that is advertised all the time. WHY is beer such a hard sell, but you see 500 beer commercials on ANY given Sunday NFL afternoon. Same with any OTHER product you want to name. It's called ADVERTISING and something we get in our lives. Don't like it, TURN OFF YOUR TV.

Regular Medicare doesn't have to be "sold" and would REQUIRE a government funded commercial to do so. WHEN CONGRESS APPROPRIATES THE FUNDS, YOU WILL GET THOSE ADS, but the FACT IS, it's advertised when you pay those taxes. Part C offers MORE than traditional Medicare and MANY eligible haven't even checked out what it offers. They KNOW what Part A and B offer already, so giving them a CHOICE is all that is being done here. Get the information, compare what you have NOW, and you decide for YOURSELF which works best for YOU!!

I can tell you that I know a couple that had Trad Medicare and a supplement and drug plan. They had somewhat heard of Part C Medicare Advantage. They were paying OVER $750 a month in premiums for the supplements and drug plans. What they HAD heard was the same CRAP you are spewing and didn't even check it out. I explained that what they THOUGHT they knew and had heard was 100% WRONG in every aspect. 

So they asked me what I knew about Part C and I said I did. Showed them what several plans offered, showed them that their doctors were in network, that all their drugs were covered AND that their vision, dental, and hearing benefits that THEY HAD TO PAY OUT OF POCKET were also covered to a large degree. AND at ZERO PREMIUMS vs. $ 750 a month. THAT'S $9,000 a YEAR they aren't paying NOW, their copays come nowhere NEAR that amount, and they have FAR BETTER benefits.  Add the dental and vision along they paid last year, it was over $3500 of covered expenses that ALSO would not have paid 100% out of pocket too.

So please, EDUCATE yourself before you spew such hate for something MORE AND MORE SENIORS are using for their healthcare benefits.

Give it a rest, insurance man.
You merely validate what I said, you know.
"I choose a system to limit my choices."
...and you call that a choice.

Then you cannot get out of that "choice" back into the "government program" because the window is closed.
...but a person can ALWAYS get into the Part C Advantage. You can change your mind only in one direction.
I'm merely pointing out that it's leaned heavily toward Part C and a single short window to enroll in Traditional Medicare.

Then, trying to go from UHC to Mutual of Omaha (for example) is a disaster I hear if you don't have near perfect health.
That goes for both Traditional and Advantage according to one of my bitchy old acquaintances.   

DeezerShoove » 09 Dec 2024, 11:42 am » wrote: ↑

09 Dec 2024, 11:42 am

I have never been happy with ANY network services. Medical, dental, co-op food stores, HOA, etc.
People suck. THEIR choices for ME suck.
I don't even like music playlists offered by Apple, Pandora, Spotify, Google...

Gut feel is big with me.
If a doctor seems kind of "off" but that's all I have... yuk.
Gotta go back to the pre-chosen list and find someone else.

Some people don't mind that stupid ****. Hard to believe you don't hear about the same crap I hear about.

Serious question:
Why is it such a hard sell for advantage (Part C)? If it's so wonderful, why the pushiness?
That really seems confusing. You never hear ads to try to "sell" standard medicare.
There's a motivating factor in the mix.

First off, you can't just walk into a specialists office and demand care even if you are on Medicare.
Second. Are you an agent?  If you are not, you are hearing hersay. 
The government RARELY runs adds om TV. Medicare has been around since 1965. Advantage plans since 2006. Med Sup companies advertise all the time on TV.
Now that being said, being pushy is the Federal Government running constant ads, emails, robo call, snail mail to PUSH ACA/Obamacare. If it's so good, why are the Feds so pushy?

I works with dozens of agents and we rarely hear these horror stories you read online or paper. 
If there are Advantage plans where every doctor and hospital within 75 miles is in network, what do you care about changing doctors? Many have Nationwide coverage. Are there some strict HMO plans? Yes there are. Only fools sign up for those.

DeezerShoove » 09 Dec 2024, 1:18 pm » wrote: ↑

09 Dec 2024, 1:18 pm

Give it a rest, insurance man.
You merely validate what I said, you know.
"I choose a system to limit my choices."
...and you call that a choice.

Then you cannot get out of that "choice" back into the "government program" because the window is closed.
...but a person can ALWAYS get into the Part C Advantage. You can change your mind only in one direction.
I'm merely pointing out that it's leaned heavily toward Part C and a single short window to enroll in Traditional Medicare.

Then, trying to go from UHC to Mutual of Omaha (for example) is a disaster I hear if you don't have near perfect health.
That goes for both Traditional and Advantage according to one of my bitchy old acquaintances. 

Now, you are WRONG AGAIN!!

When my "choice" is ALSO part of the network, then I have the same choice. I do believe that something like 85% of ALL health care providers belong to ALL networks and nearly 100% belong to at least 5. Most are far more than that. 

And as a FYI, anyone that opts into a Part C plan, can OPT OUT from Jan 1 through March 31st of 2025. So, you know nothing and only HATE IT because it's not your choice. 

During OPEN ENROLLMENT there are NO "health questions" to change ANY PLAN- Part C or Med Supplements. So you are ALSO ill informed on that case as well. ANY INSURANCE company that sells supplements, MUST participate in the Open Enrollment period or they can't sell them You ONLY have issues possibly if you do a switch OUTSIDE of the Open Enrollment period. You can go from Part C to Trad Medicare during end of year open enrollment and on the Jan to Mar, IF you have Part C, you can go to a different plan or back to Trad Medicare. 

So you listen to your "bitchy acquaintances" of listen to FACTS. Seems one you LOSE with.

EDC4ALL! » 09 Dec 2024, 1:39 pm » wrote: ↑

09 Dec 2024, 1:39 pm

First off, you can't just walk into a specialists office and demand care even if you are on Medicare.
Second. Are you an agent?  If you are not, you are hearing hersay. 
The government RARELY runs adds om TV. Medicare has been around since 1965. Advantage plans since 2006. Med Sup companies advertise all the time on TV.
Now that being said, being pushy is the Federal Government running constant ads, emails, robo call, snail mail too PUSH ACA/Obamacare. If it's so good, why are the Feds sp pushy?

Bammycare completely sucks.
My GP retired early because of it. Just said **** it.
That's from a doctor's point of view, no less.

DeezerShoove » 09 Dec 2024, 1:18 pm » wrote: ↑

09 Dec 2024, 1:18 pm

Give it a rest, insurance man.
You merely validate what I said, you know.
"I choose a system to limit my choices."
...and you call that a choice.

Then you cannot get out of that "choice" back into the "government program" because the window is closed.
...but a person can ALWAYS get into the Part C Advantage. You can change your mind only in one direction.
I'm merely pointing out that it's leaned heavily toward Part C and a single short window to enroll in Traditional Medicare.

Then, trying to go from UHC to Mutual of Omaha (for example) is a disaster I hear if you don't have near perfect health.
That goes for both Traditional and Advantage according to one of my bitchy old acquaintances. 

So you admit you have NO idea WFT you are talking about. Thanks for playing!

DeezerShoove » 09 Dec 2024, 1:43 pm » wrote: ↑

09 Dec 2024, 1:43 pm

Bammycare completely sucks.
My GP retired early because of it. Just said **** it.
That's from a doctor's point of view, no less.

You can ALWAYS get back into the "government plan" ALWAYS! You just don't get to pick another supplement to go with your Medicare. If the "Government Plan" is so **** good, why do you need a Medicare Supplement to go with it? Why do you need a separate drug plan to go with it?
Why do you need a separate dental/vision plan to go with it?

DeezerShoove » 09 Dec 2024, 1:43 pm » wrote: ↑

09 Dec 2024, 1:43 pm

Bammycare completely sucks.
My GP retired early because of it. Just said **** it.
That's from a doctor's point of view, no less.

It's basically a mandated government plan. Why would you not love it? The government sets the coverages. The insurance companies  just administer it. ALL ACA plans cover the same things.

*Beekeeper » 09 Dec 2024, 1:43 pm » wrote: ↑

09 Dec 2024, 1:43 pm

Now, you are WRONG AGAIN!!

When my "choice" is ALSO part of the network, then I have the same choice. I do believe that something like 85% of ALL health care providers belong to ALL networks and nearly 100% belong to at least 5. Most are far more than that. 

And as a FYI, anyone that opts into a Part C plan, can OPT OUT from Jan 1 through March 31st of 2025. So, you know nothing and only HATE IT because it's not your choice. 

During OPEN ENROLLMENT there are NO "health questions" to change ANY PLAN- Part C or Med Supplements. So you are ALSO ill informed on that case as well. ANY INSURANCE company that sells supplements, MUST participate in the Open Enrollment period or they can't sell them You ONLY have issues possibly if you do a switch OUTSIDE of the Open Enrollment period. You can go from Part C to Trad Medicare during end of year open enrollment and on the Jan to Mar, IF you have Part C, you can go to a different plan or back to Trad Medicare. 

So you listen to your "bitchy acquaintances" of listen to FACTS. Seems one you LOSE with.

ANYONE can opt out of Part C then go to Trad Medicare?
With no problem? No needed underwriting? Regardless of age and health?

btw I am recounting experiences of others. You keep saying I am wrong again.
I am trying to learn in the face of your overly emotional crap.
Why these folks are bitchy is based on their experiences. Must be something to it.
Your rosy picture sounds almost too good to be true.