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Projected increases in the national average, healthcare trends by 2.5
Started on: 05-06-2014 08:39 AM
Replies: 25 (318 views)
Last post by: fireboss on 05-08-2014 01:47 AM
2.5
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Report this Post05-06-2014 08:39 AM Click Here to See the Profile for 2.5Send a Private Message to 2.5Edit/Delete MessageReply w/QuoteDirect Link to This Post
"SAN FRANCISCO, Apr 29, 2014 (BUSINESS WIRE) -- As employers try to control rising healthcare premium costs, their employees will continue to pay more for healthcare plans and face higher deductibles and copays, according to a recent survey from Wells Fargo Insurance , part of Wells Fargo & Co /quotes/zigman/239557/delayed/quotes/nls/wfc WFC -0.04% . The survey of more than 70 insurance companies nationwide found that overall claim costs will continue to increase in the high single digits next year, a strong indication that employers can expect to pay higher rates.

“Employers are exploring all available options to maintain and improve the health risk of employees, mitigate cost, and maximize their benefit investment,” said Dan Gowen,
...
Wells Fargo Insurance has conducted this biannual survey since 2008 to measure national healthcare trends. Reflecting claim activity over a six-month period, projected increases in the national average cost of claims include the following:

•Health maintenance organizations (HMO) – 7.5 percent

•Point-of-sale (POS) – 7.7 percent

•Preferred provider organizations (PPO) – 8.3 percent

•Consumer driver health plans – 8.6 percent

•Exclusive provider organizations (EPO) – 8.9 percent

•Indemnity plans – 9.5 percent

•Prescription plans – 8.6 percent
....
“We’re finding that employers are considering private exchanges and defined contribution strategies to manage rising costs,” said Nick Allen, national practice leader for Actuarial Services with Wells Fargo Insurance. “Defined contributions strategies are often just shifting cost to employees, and private exchanges are an option, but may do little to change health care utilization behaviors. Product innovation and consumer engagement remain critical in creating a culture of smarter health care spending.”
http://www.marketwatch.com/...increases-2014-04-29

An apple a day keeps the doctor away...
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Report this Post05-06-2014 08:58 AM Click Here to See the Profile for cliffwClick Here to Email cliffwSend a Private Message to cliffwEdit/Delete MessageReply w/QuoteDirect Link to This Post
 
quote
Originally posted by 2.5:
An apple a day keeps the doctor away...

What do I need to consume everyday to keep politicians away, ?
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tebailey
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Report this Post05-06-2014 09:07 AM Click Here to See the Profile for tebaileyClick Here to Email tebaileySend a Private Message to tebaileyEdit/Delete MessageReply w/QuoteDirect Link to This Post
 
quote
Originally posted by cliffw:

What do I need to consume everyday to keep politicians away, ?


One thing that I don't understand if you hate this country and government so much, which is a point you've made clear in all your posts, why are you still living here?
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Report this Post05-06-2014 09:14 AM Click Here to See the Profile for 2.5Send a Private Message to 2.5Edit/Delete MessageReply w/QuoteDirect Link to This Post
I think alot of folks love their counrty and dislike politicians though wouldnt you say?
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Report this Post05-06-2014 09:16 AM Click Here to See the Profile for 2.5Send a Private Message to 2.5Edit/Delete MessageReply w/QuoteDirect Link to This Post

2.5

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Member since May 2007
 
quote
Originally posted by cliffw:

What do I need to consume everyday to keep politicians away, ?


Dunno? Garlic?

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newf
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Report this Post05-06-2014 09:31 AM Click Here to See the Profile for newfSend a Private Message to newfEdit/Delete MessageReply w/QuoteDirect Link to This Post
 
quote
Originally posted by tebailey:


One thing that I don't understand if you hate this country and government so much, which is a point you've made clear in all your posts, why are you still living here?


Some people love to focus on the negative, it seems to fill a void.
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rbell2915
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Report this Post05-06-2014 09:50 AM Click Here to See the Profile for rbell2915Click Here to Email rbell2915Send a Private Message to rbell2915Edit/Delete MessageReply w/QuoteDirect Link to This Post
 
quote
Originally posted by tebailey:


One thing that I don't understand if you hate this country and government so much, which is a point you've made clear in all your posts, why are you still living here?


There is a difference between loving one's country and hating one's government.
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Report this Post05-06-2014 10:04 AM Click Here to See the Profile for cliffwClick Here to Email cliffwSend a Private Message to cliffwEdit/Delete MessageReply w/QuoteDirect Link to This Post
 
quote
Originally posted by tebailey:
... if you hate this country and government so much, which is a point you've made clear in all your posts ...

I suggest a course in reading comprehension. You have never seen me allude to that. Perhaps I have not made myself clear to you.
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Report this Post05-06-2014 11:06 AM Click Here to See the Profile for BoondawgClick Here to Email BoondawgSend a Private Message to BoondawgEdit/Delete MessageReply w/QuoteDirect Link to This Post
 
quote
Originally posted by newf:


Some people love to focus on the negative, it seems to fill a void.


It allows one to show one's teeth.



It feels strong, in-control, superior.
It makes big problems seem only a matter of singular testicular fortitude.

To hear some tell it, they could run the whole country better, and single-handedly to boot....as if it was as simple as knowing the in's & out's of running a country store.
As if they would be the only good smart honest men in politics...

I would love to give those that "know better" the free-hand to fire everyone and clean house.
And then fill it again.
Only over time to watch it repeat itself again & again & again.
Because that is the very nature of the system us.

Nobody wants to be told what to do.
Our system is all about telling people what to do.

Our only protection against it?:



Granted (and continually reinterpreted/rewritten) by men.
And there's the rub...

[This message has been edited by Boondawg (edited 05-06-2014).]

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Report this Post05-06-2014 11:43 AM Click Here to See the Profile for heybjornClick Here to Email heybjornSend a Private Message to heybjornEdit/Delete MessageReply w/QuoteDirect Link to This Post
 
quote
Originally posted by rbell2915:

There is a difference between loving one's country and hating one's government.


The difference is too subtle for some.

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Report this Post05-06-2014 11:48 AM Click Here to See the Profile for BoondawgClick Here to Email BoondawgSend a Private Message to BoondawgEdit/Delete MessageReply w/QuoteDirect Link to This Post
 
quote
Originally posted by rbell2915:

There is a difference between loving one's country and hating one's government.


 
quote
Originally posted by heybjorn:
The difference is too subtle for some.


Like the American Indian...

[This message has been edited by Boondawg (edited 05-06-2014).]

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Report this Post05-06-2014 11:57 AM Click Here to See the Profile for V8 VegaClick Here to Email V8 VegaSend a Private Message to V8 VegaEdit/Delete MessageReply w/QuoteDirect Link to This Post
I'm old, all my life I was taught to fear the Communists, now the modern day Democrat party has become the Communist party.
I sure feel bad for all our men who died in our wars to protect our liberty and now this complete pile of crap party has taken over.
The biggest enemy the United States has ever faced is the Democrat/Communist party.

[This message has been edited by V8 Vega (edited 05-06-2014).]

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Report this Post05-06-2014 04:35 PM Click Here to See the Profile for FatsClick Here to Email FatsSend a Private Message to FatsEdit/Delete MessageReply w/QuoteDirect Link to This Post
 
quote
Originally posted by tebailey:


One thing that I don't understand if you hate this country and government so much, which is a point you've made clear in all your posts, why are you still living here?


He doesn't hate the country, he hates the Government.

Brad
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Report this Post05-06-2014 04:52 PM Click Here to See the Profile for Formula88Send a Private Message to Formula88Edit/Delete MessageReply w/QuoteDirect Link to This Post
 
quote
Originally posted by Boondawg:
Because that is the very nature of the system us.


You are absolutely right. That's why our system was designed with checks and balances. Checks and balances that have been subverted, diluted, and abolished by Progressives through the years.

 
quote
Originally posted by Boondawg:
Nobody wants to be told what to do.
Our system is all about telling people what to do.


Again, I agree completely. Our *current* system IS all about telling people what to do. It didn't start that way.

That's the problem. Those who blithely accept it are part of the problem. They sit back smiling in smug submission; content in their superiority, while waiting for master to come feed them and pet them. They can stay curled up on the rug at master's feet. It's where they want to be. They get what they've asked for. The irony is the ones that complain because they never realized that's what they were asking for. The rug was for other other mutts. *THEY* wanted to sleep on the bed.

Reality will hit them like a rolled up newspaper.

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Report this Post05-06-2014 05:00 PM Click Here to See the Profile for heybjornClick Here to Email heybjornSend a Private Message to heybjornEdit/Delete MessageReply w/QuoteDirect Link to This Post
 
quote
Originally posted by Boondawg:

Like the American Indian...



Long ago and far away, and a different kind of story. Wait, maybe not, why don't we ask Elizabeth Warren?

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Report this Post05-06-2014 11:54 PM Click Here to See the Profile for cliffwClick Here to Email cliffwSend a Private Message to cliffwEdit/Delete MessageReply w/QuoteDirect Link to This Post
 
quote
Originally posted by newf:
Some people love to focus on the negative, it seems to fill a void.

 
quote
Originally posted by Boondawg:
It allows one to show one's teeth.

Dirty little secrets, dirty little lies
We got our dirty little fingers in everybody's pie
We love to cut you down to size, we love dirty laundry

You don't really need to find out what's goin' on
You don't really want to know just how far it's gone
Just leave well enough alone, eat your dirty laundry

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Report this Post05-07-2014 12:27 AM Click Here to See the Profile for spark1Send a Private Message to spark1Edit/Delete MessageReply w/QuoteDirect Link to This Post
 
quote
Originally posted by cliffw:

Dirty little secrets, dirty little lies
We got our dirty little fingers in everybody's pie
We love to cut you down to size, we love dirty laundry

You don't really need to find out what's goin' on
You don't really want to know just how far it's gone
Just leave well enough alone, eat your dirty laundry


My favorite Eagles lyric:

Complain about the present and blame it on the past
I'd like to find your inner child and kick its little ass
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Report this Post05-07-2014 01:14 AM Click Here to See the Profile for theBDubSend a Private Message to theBDubEdit/Delete MessageReply w/QuoteDirect Link to This Post
 
quote
Originally posted by tebailey:


One thing that I don't understand if you hate this country and government so much, which is a point you've made clear in all your posts, why are you still living here?


Why have others tried to change it so far from what it was?

We've gone from a capitalist society to a corrupt capitalist society--with a large dose of socialism to boot. We've allowed ourselves to change our core so much that instead of focusing on the individual as we started out, we now focus all out efforts on redistribution. And I'm not strictly talking about wealth.

I love my country for what it brought to the world. The entire concept of creating value for yourself. Individuality. Identity in self. I hate our government for how large and complicated it has become. I hate the overwhelming trend of the past few decades to redistribute everything from wealth to opportunity.

Not many other countries would allow me to express my beliefs and campaign to change the country's policies to reflect them. That's why I'm here. Why would I leave, when there is still hope for this country?

I'd leave if there were a place that offered me what I desire. There isn't. So I'm going to back Cliff up in that our government is a big pile of **** that has just gotten bigger and bigger and nobody seems to want to start cleaning it up because then they'd acknowledge the problem. Some here are more than willing to pick up the shovel and start cleaning, but the way our system is set up, we have to trust representatives to do that for us. But the general populace doesn't want to pick up a shovel, so they're going to push that responsibility on to the next generation and just ride it out. I don't like that. I don't like that at all. We aren't going to get anywhere if we don't vocalize how shitty our system has become. How corrupt we have allowed ourselves to be.

You think we hate our country? We aren't the ones trying to constantly change it from where it was. We're the ones trying to stop the ****ing train from hitting the brick wall.
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Report this Post05-07-2014 02:26 AM Click Here to See the Profile for pokeyfieroClick Here to visit pokeyfiero's HomePageClick Here to Email pokeyfieroSend a Private Message to pokeyfieroEdit/Delete MessageReply w/QuoteDirect Link to This Post
 
quote
Originally posted by tebailey:


One thing that I don't understand if you hate this country and government so much, which is a point you've made clear in all your posts, why are you still living here?


One thing I don't understand is why you hate our country.

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cliffw
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Report this Post05-07-2014 07:56 AM Click Here to See the Profile for cliffwClick Here to Email cliffwSend a Private Message to cliffwEdit/Delete MessageReply w/QuoteDirect Link to This Post
 
quote
Originally posted by theBDub:
I'm going to back Cliff up in that our government is a big pile of **** that has just gotten bigger and bigger and nobody seems to want to start cleaning it up because then they'd acknowledge the problem.

Thank you Brennan. Thanks also to 2.5, rbell2915, heybjorn, V8 Vega, Fats, and pokeyfiero.
Brennan, you almost hit it spot on. Don't get me wrong, everything you said is true. You just didn't go far enough. I also hate the America that allowed (voted ... both sides of the isle) it to happen, as well as the America who just don't care (which likely described me when I was young). I hate the subversion of the press. That some choose to ridicule the conservative press is reprehensible, as it is the only check and balance to out right propaganda.
I also didn't go far enough in my response to teabaily. He is old enough to remember that the present regime and it's party have many members who "hated" America when they were young. They were the ones protesting, some (Bill Ayers) bombing government buildings. A tactic they still use today. Helped in part with astro turf union thugs.
 
quote
Originally posted by spark1:
My favorite Eagles lyric:
Complain about the present and blame it on the past
I'd like to find your inner child and kick its little ass

, that good, um hmm, .
I'll reserve that one for the liberal populace, .
 
quote
Originally posted by tebailey:
One thing that I don't understand if you hate this country and government so much, why are you still living here?

It's like this ... this is the country I choose to conquer.
You should know that demographically, with my personal circumstances, I would statistically be thought of as a Democrat. As far as the ones likely to vote Dumb.

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cliffw
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Report this Post05-07-2014 08:23 AM Click Here to See the Profile for cliffwClick Here to Email cliffwSend a Private Message to cliffwEdit/Delete MessageReply w/QuoteDirect Link to This Post
 
quote
Originally posted by Boondawg:
Like the American Indian...

I meant to hi-lite your good observation.
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Report this Post05-07-2014 12:20 PM Click Here to See the Profile for 2.5Send a Private Message to 2.5Edit/Delete MessageReply w/QuoteDirect Link to This Post
 
quote
Originally posted by Formula88:
Again, I agree completely. Our *current* system IS all about telling people what to do. It didn't start that way.

That's the problem. Those who blithely accept it are part of the problem. They sit back smiling in smug submission; content in their superiority, while waiting for master to come feed them and pet them. They can stay curled up on the rug at master's feet. It's where they want to be. They get what they've asked for. The irony is the ones that complain because they never realized that's what they were asking for. The rug was for other other mutts. *THEY* wanted to sleep on the bed.

Reality will hit them like a rolled up newspaper.



Or hit them like a home without an owner, left to starve, not allowed to sustain themselves.
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Report this Post05-07-2014 04:47 PM Click Here to See the Profile for cliffwClick Here to Email cliffwSend a Private Message to cliffwEdit/Delete MessageReply w/QuoteDirect Link to This Post
 
quote
Originally posted by tebailey:
... if you hate this country and government so much ...

Is this the America that you love ?
Concerned parent arrested for speaking out of turn at N.H. school board meeting.
 
quote

A concerned parent in New Hampshire was arrested and charged with disorderly conduct Monday after he voiced his concerns at a school board meeting and went over the two-minute mark.

He at one time asked the school board to read aloud the offensive passages in a school assigned reading assignment he considered pornographic to his 13 year old daughter. They wouldn't. Couldn't ?
Is this the America that you defend ?
Parent arrested at forum after protesting use of Common Core.
 
quote

Robert Small said he wanted to express his dismay over the introduction of a new school curriculum at a public forum Thursday night in Towson, but instead the Ellicott City parent was pulled out of the meeting, arrested and charged with second-degree assault of a police officer.

Clearly the video tape showed no such resisting arrest.
Is this the America that you would fight for ? Or against ?

[This message has been edited by cliffw (edited 05-07-2014).]

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Report this Post05-07-2014 05:13 PM Click Here to See the Profile for tebaileyClick Here to Email tebaileySend a Private Message to tebaileyEdit/Delete MessageReply w/QuoteDirect Link to This Post
I knew my post would bring out the best/worst of evey one. Now it's time we all got off our asses and do something to make the changes.
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Report this Post05-07-2014 05:27 PM Click Here to See the Profile for cliffwClick Here to Email cliffwSend a Private Message to cliffwEdit/Delete MessageReply w/QuoteDirect Link to This Post
 
quote
Originally posted by tebailey:
Now it's time we all got off our asses and do something to make the changes.

Discussion of feelings would be a good first step, . Which I do.
I like the way you are thinking.
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fireboss
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Report this Post05-08-2014 01:47 AM Click Here to See the Profile for firebossClick Here to Email firebossSend a Private Message to firebossEdit/Delete MessageReply w/QuoteDirect Link to This Post
Huh ...... Just checking out this thread,,
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