Kimberly
Palm Bay,#2Consumer Suggestion
Thu, June 07, 2007
First of allchilld molesters control the world . Second of allnthencost of Xrays is no concern to DCF who advertised the policy and or to police agency no concerns its thecost to feed you in prison your food costs cantsee these private doctors not your money its the feds. Are no XRAYS GET NONE I NEVER DID insured by travelersn since age 2. Be no xrays. Old ads that belong in an1920 is the year old and fraudulent aboutwhat they will cover. at all at the us department of corrections. Bullets for chid molesters to shoot you child inthenface with cost cocaine is costly to them also it just says this in DCF ads. Dont mean it at all none ofits true.You have no rights to food in any hospital wont ever feel good ads are not true. You can work out in prison on those machineswith our employees sexually this costs alluntrue been untrue at the medicare.govis all untrue whatevernchildmolesters need what the ads need to state sheriffs too phillip Williams is one of them his ads are not happeningnever did never goingto happennin the usa.
Fedup
No Comment,#3Consumer Comment
Fri, March 03, 2006
To Laura: The increases to member co-payments and decreases in member benefits that Oxford initiated in January 2006 were drastic changes, not reasonable or affordable to those on fixed incomes. While all the Big Boys were deciding how much to increase what they take in and decrease what they give out they also factored in the percentage of their members that would not be able to afford their demands, justified or not, and forego needed medical treatment. This percentage translates into higher revenues with which to fill their coffers and their pockets. Those who control the lives of others institute their plans with robotic insensitivity while at the same time crying hardship and seeking sympathy offering the same tired excuses they have used for generations. Yet, their economic control of each generation continues to grow and their personal pockets protrude with legal tender that all to fleetingly passes through the hands of those in need. Go back in generational time and review the gross amounts of money taken from them and compare those figures with the gross amounts of monies taken from the present generation. You will find that those who control are never satisfied! We have now entered the Generation of Trillions. How long will this last? Not long, I think. The next generation, holding true with the Law of Generations, will be greedier than its predecessor and quickly usher in the Generation of Quadrillions. No doubt still using a shortage of and increased operating costs as their justification. They have conditioned society to accept and never question anything they do. If you ask why has this price increased or question their response to the conditioned, they act as if the one who questioned their motives is crazy and label that person as a troublemaker! They hire mostly those under the influence of their conditioning. Remember, slavery was never abolished; it was expanded to include the rest of society! Why do you think they first initiated credit cards? They were forging ahead preparing the way for their continual rate and price increases. They knew their coming invasion of greed would lead to vast poverty so to offset the nil effect they sold people the use of money at loan Shark interest rates. Look at the way society has been affected by their greedy behavior. Its family and moral fabric has been eroded because in most cases both parents are employed, in debt, and barely able provide healthy living conditions. Children are shuffled of to Daycare Centers for which a hefty price must be paid. Family dinners amount to little more than a quick stopover at the non-nutritional fast food joint or some pre-packaged unknown of inferior quality. What you must understand is that the domino effect justified by increased operating costs, is an excuse, not a reason! By using the conditioning technique known as common knowledge, they have been able to fortify the concept of increased operating costs along with the concept of annual rate and price increases to such an extent that these are now stoically accepted, expected, and firmly implanted within the engrams of the public. We have only scratched the surface of the deception and conditioning perpetrated against the society by these people. Think about these questions: What does a bank really do for its customers? What benefits are derived for you when handing your money over to them? Fedup
Laura
Saint Louis,#4Consumer Suggestion
Mon, February 20, 2006
This is not unfamiliar, I myself as an insured and working in the insurance industry. The costs are rising, copays rise, out of pocket amounts rise. How Medicare and a secondary and supplemental policy coordinate benefits are different. Jack with company a...company a chooses to select a standard COB(coordination of benefits),Medicare as primary , the insurance would consider the 20% medicare did not pay on after deductible or any co-insurance that might be on the plan. Sylvia with company b is a retiree with carve out cob, if medicare exceeds or meets what the insurance would pay as primary then company b insurance would not pay until current year out of pocket is met (which could be 300,500, and even 2000 out of pocket)(OOP). this is just an example of the impact of coordination of benefits and how policies differ. Regardless of medicare if the Secondary Insurance policy has a Co-insurance or deductible the policy will not pick up any amounts until this is satified. Supplemental policies are designed to just pick up 20% Currently there are 3 types of COB (coordination of bene) Standard, Wrap-around and Carve Out. Is Oxford a supplemental policy? or is this a Secondary Insurance? They are completely different. Secondary insurance is seen as a stand alone product and does not necessarily conform to automatic coinsideration of the 20% left over by medicare (eg. deductible, co-insurance) Is the policy Self Funded, Minimally funded or Fully funded? In my honest opinion it is not necessarily the bait and switch. Premiums change from year to year, if that means from going from 90/10 to 85/15, and truly for any plan who isn't necessarily a supplemental, it is to be expected that costs will rise and coverage will be minimal, and yes even at the cost of taking more from those on fixed incomes. I understand your frustration, dealing with a elderly grandparent, and with my own mother getting ready to hit retirment age. But the fact is, this is normal and not unusual. I agree it is a lot to stomach, understand and put up with. But if we want coverage sometimes we do have to pay more whether or not we can afford it. Until some changes occur, this is the norm. (even medicaid they will cut benefits in order to cover more individuals, and yes they have a "spend down", where they are responsible for an amount) Just my humble 2 cents worth.