Insurers head to the malls for customers

  • Article by: JACKIE CROSBY , Star Tribune
  • Updated: October 23, 2012 - 10:59 PM

More are choosing their own health coverage under new law.

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chuckdancerOct. 23, 1210:55 PM

I heard this law was going to be repealed because it is "socialism".

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jamue11eOct. 24, 12 8:41 AM

chuckdancer: I know, I have heard the same thing. I remember the argument before Obamacare was passed how it would kill the insurance companies because it was socialized government planned medicine. Turns out, it isn't. And insurance companies stood to cash in on it. Which is why you never heard the insurance companies raise a stink about it prior to its passing. I'm glad the insurance companies have taken the initiative like this. Showing what they have to offer vs. waiting is brilliant. Good on them.

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motomanOct. 24, 12 9:48 AM

"Shoppers who hit the nation's malls in coming months can add another item to their shopping lists -- health insurance"*****Really?! Insurance companies who hit the nation's malls in coming months can add another item to their to-do lists: Don't bother me with your scam insurance offers. Even if you don't have insurance, and you have to go to the emergency room, they will still be obligated to fix you up. Health care costs in the U.S. are absurd and border on stealing. Talk to a doctor for just 5 minutes, listen to them say, "You'll just have to wait it out and there's nothing I can do at this point", and expect a bill of at least $100. It's time to take a stand against all the greedy companies unjustly raising our prices. There are many people paying absurd amounts of money to insurance companies, and when it comes time for the insurance companies to pay for a treatment that you really need, they say, "That's not covered." I ask then, what's the point of having health insurance, if all their conditions, clauses, and fine print stipulate that the certain things you need are not covered? Just say No.

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mdcastleOct. 24, 1210:59 AM

It's true Emergency Rooms are obligated to treat you- if it's an emergency. And then they send you a bill. You can't get "free" care unless you're truly indigent, if you just don't feel like freeloading they'll go after you assets and drive your credit score into the cellar. As for the article, one thing that they didn't make clear is that they'll likely be a large shift from employer funded plans to ones individuals purchase; insurance companies setting up shop are anticipating this. Since individuals can now buy affordable coverage for themselves, employers are going to drop what is by far their most expensive fringe benefit. Yes, they get fined if they don't offer coverage, but it's a lot cheaper to pay the fine than to buy insurance. I'm not saying this is or is not a bad thing, just that it's likely to happend (and linking insurance to employment is a legacy of WWII that makes little sense nowdays)

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marathongirlOct. 24, 1211:16 AM

The biggest problem in it, other than forcing people to buy a product which should not have been allowed as it sets a dangerous precedent, is that we are NOT allowed to buy any insurance we want. We can buy from the 5 or so providers in MN...that's it. It should be opened up across state lines, just like auto insurance is (and I use that comparison since it was the one used so much in pushing that everyone has to have car insurance, which no, not everyone does, only those with a car do).

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marathongirlOct. 24, 1211:19 AM

"mdcastle - Since individuals can now buy affordable coverage for themselves, employers are going to drop what is by far their most expensive fringe benefit." - The coverage people can buy for themselves isn't new. It's been around since before we heard the term "Obamacare". It was always there for people to purchase if they didn't have a job or were self employed.

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jamue11eOct. 24, 12 2:23 PM

marathongirl: " It should be opened up across state lines, just like auto insurance is" Have you ever gone to a doctors office and presented your insurance card and were told "we don't process that insurance. You can be reimbursed by your insurance plan". I wonder how long it will take people to figure out that getting your cheap as cheap can go insurance from Nowheresville Idaho isn't taken at any hospital or clinic. Then the complaining and gnashing of teeth continues by you folks. And yes, if you have a car you have to have insurance. If you have a body, you should have to have insurance.

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