Originally Posted By Princessjenn5795 "My wife sells almost all manner of Insurance,one is health Insurance AARP is one of many companies itching to be able to sell across state lines." Than what your wife should have told you is that AARP is not an insurance company. They do not sell health insurance. They have discounts available to their members through United Healthcare Insurance Company.
Originally Posted By Dabob2 <No, health insurance companies will have a "monopoly over it's citizens" because they will all be headquatered in the state willing to give them the least regulation. This will allow them to concentrate their political power in one State, maybe even just a couple districts. Ultimately, consumers, like you and I, will not benefit from this plan.> Exactly correct. The obvious analogue is the credit card companies. Ever notice how they're all headquartered in Delaware or South Dakota, two of the smallest states, where only a tiny fraction of their cardholders actually live? It's because DE and SD have the fewest and weakest regulations for the credit card companies. And if a state WANTED to impose sensible restrictions on some of the outrageous things cc companies get away with, too bad. Not headquartered in that state, don't you know. So their consumers are out of luck. In a bit of good news (though bad news for Donny's argument), there has been recent federal legislation putting an end to some of the more egregious cc company practices (and leaving others alone, but the bill was better than nothing). But note, Donny, it had to come from the FEDERAL level. So if anything, this push to allow insurance sales across state lines would a). prove a boon to insurance companies, at least in the short term, which is why they're all for it; b). prove to be a bad thing for consumers, as the insurance companies would move to the state with the least restrictions and easiest-to-buy-off state legislature, and institute whatever practices they could get away with, which would become perfectly legal, and then we'd ALL have to live with those favorable-to-the-companies (but not to consumer) rules, the way we do with credit card companies now; c). eventually they'd overreach and we'd have restrictions imposed on the federal level anyway. So what you're trying to avoid would probably happen anyway - just after a decade or two of even worse-for-the-consumer insurance abuses.
Originally Posted By Dabob2 Look up how the credit card companies operate, and why they headquarter in DE or SD, Donny, before you just interject something that sounds like it ought to be right (but isn't).
Originally Posted By vbdad55 " Ultimately, consumers, like you and I, will not benefit from this plan." no one benefits from a monopoly of any kind except those running the monoploy- dead on
Originally Posted By SingleParkPassholder Oh, for heaven's sake. Advocating AARP? Please. So what you're saying Donny is that you can't think of any company that can reasonably provide health insurance that a 30 year old father can purchase for his child in another state.
Originally Posted By Donny AARP is just one of the many Health insurance companies that would be able to offer more competitive rates if they were allowed to operate across state line but that would only be a part of the whole solution.We do need to solve the the corruption that seems to occur when the Hospitals charge us 80 dollars for a single Tylenol and the insurance company pays it.This is somthing Obamacare does not solve.
Originally Posted By Dabob2 Other than those 2 little facts, I guess Donny knows what he's talking about.
Originally Posted By Princessjenn5795 That site is to help Seniors enroll in the the discounted plans AARP offers through United Healthcare for medical insurance, as well as whoever they use for vision, dental, etc. They do not sell the insurance themselves nor do they underwrite the policies. They basically offer seniors a way to a group rate, like you would through an employer, which is traditionally much cheaper than buying an individual plan. How do I know this? I was an account manager for an insurance broker and my job was to help mostly companies, but some individuals, find the best healthcare plans for their budgets. To do so, I had to be licensed, and that required a very exhaustive test on federal and WA state laws and regulations, as well as all of the different types of Life and Disability (which includes health insurance) insurances. If you wife does sell insurance, she should be aware of the difference between AARP and insurance companies.
Originally Posted By Princessjenn5795 I also just tried your site...when you actually try to enroll it redirects you to the insurance company's site with a disclaimer saying AARP is not the insurer.
Originally Posted By Donny <a href="http://answers.yahoo.com/question/index?qid=20100910202758AAMGhTz" target="_blank">http://answers.yahoo.com/quest...8AAMGhTz</a>
Originally Posted By Princessjenn5795 Look at what you just posted *Yes they do -- it is offered through Genworth Financial and this is the website: https://longtermcare.genworth.com/Simple… * Genworth Financial is the insurance company. Go to the AARP site and try to buy insurance. It will give you disclaimer about AARP not being the insurer and then redirect you to the site set up for AARP enrollees on the insurance company's site.
Originally Posted By Princessjenn5795 Plus, Yahoo answers is really not the best source of information, FYI. Anyone can post whatever types of answers they want, whether they are true or not.
Originally Posted By Princessjenn5795 "just FYI this is what my wife does for a living..." Then you should ask her. I really do not mean any offense by this but if she does not know the difference between AARP and an insurance company then she should not be selling insurance. All it would take is her telling one client that they AARP is their insurance company and them finding out differently if a problem occurs and either she (if she is an independent broker) or her company could be sued up the ying yang. And the client would win. There are very strict rules about what you have to tell you clients when they are purchasing insurance.
Originally Posted By Princessjenn5795 Normally I wouldn't argue so much, and would just let him go on thinking whatever he wants, but one of my biggest pet peeves is when someone passes themselves off as knowledgable about something when they are not because their spouse or someone they know is an expert in that area. My husband is a very high level network engineer but you will never find me pretending I know anything about computer networks. Plus, I have been studying for my finals all weekend and am a bit grumpy. Arguing is cathartic right now
