Helthcare Insurance premiums .... why they have been rising

Texans who buy their own health insurance could be due an estimated $481 million in refunds over the next three years, thanks to the Affordable Care Act (ACA), the much-maligned national health reform law. Unfortunately, some Texas officials are trying to deny consumers the money they are owed - and hand most of it right back to the insurance companies.

At issue is a pro-consumer provision in the ACA designed to keep insurance companies from gouging policyholders. This rule - known as the medical loss ratio (MLR) - makes sure insurance companies don't spend more than 20 percent of customers' premiums on non-health care items like marketing, CEO salaries, paperwork and profits. Spend any more, and the company must cut consumers rebate checks.

Link

Question: What's 20% of $100.00? Answer: $20.00

What's 20% of $120.00? Answer: $24.00

How did the insurance corporation get the $120? Answer: They raised premiums.

Who paid more? Answer: The consumer.

When did the consumer pay more? Answer: After Obama and his minions passed Obamacare.

Case and effect strikes again.

"Unlimited tolerance must lead to the disappearance of tolerance. If we extend unlimited tolerance even to those who are intolerant, if we are not prepared to defend a tolerant society against the onslaught of the intolerant, then the tolerant will be destroyed, and tolerance with them." - Karl Popper

“It’s the presumption that Obama knows how all these industries ought to be operating better than people who have spent their lives in those industries, and a general cockiness going back to before he was president, and the fact that he has no experience whatever in managing anything. Only someone who has never had the responsibility for managing anything could believe he could manage just about everything.” - Thomas Sowell in Reason Magazine

Aint it the truth......

I pointed to two old drunks sitting across the bar from us and told my friend

"That's us in 10 years".

He said "That's a mirror, dip-shit!

Hat tip to Dave T!

"Unlimited tolerance must lead to the disappearance of tolerance. If we extend unlimited tolerance even to those who are intolerant, if we are not prepared to defend a tolerant society against the onslaught of the intolerant, then the tolerant will be destroyed, and tolerance with them." - Karl Popper

“It’s the presumption that Obama knows how all these industries ought to be operating better than people who have spent their lives in those industries, and a general cockiness going back to before he was president, and the fact that he has no experience whatever in managing anything. Only someone who has never had the responsibility for managing anything could believe he could manage just about everything.” - Thomas Sowell in Reason Magazine

What the UN global warmers want

This is so silly it is hard to take it serious. Yet these idiots are dangerous.

What the global warming hoaxers and the UN want.



"Unlimited tolerance must lead to the disappearance of tolerance. If we extend unlimited tolerance even to those who are intolerant, if we are not prepared to defend a tolerant society against the onslaught of the intolerant, then the tolerant will be destroyed, and tolerance with them." - Karl Popper

“It’s the presumption that Obama knows how all these industries ought to be operating better than people who have spent their lives in those industries, and a general cockiness going back to before he was president, and the fact that he has no experience whatever in managing anything. Only someone who has never had the responsibility for managing anything could believe he could manage just about everything.” - Thomas Sowell in Reason Magazine

Be careful out there!

During this holiday season, please be careful and take good care of yourself.

A recent joint study conducted by the Department of Health and the Department of Motor Vehicles indicates that 23% of all traffic accidents are alcohol related.

This means that the remaining 77% are caused by assholes who drink Evian bottled water, Starbucks coffee, Cokes, Red Bull energy drinks, Motts apple juice, and shit like that.

Therefore, you should beware of those who DON'T drink alcohol. They cause three times as many accidents.

This message is being sent to you by someone who cares about you and worries about your safety.

Hat tip to Bill T!

"Unlimited tolerance must lead to the disappearance of tolerance. If we extend unlimited tolerance even to those who are intolerant, if we are not prepared to defend a tolerant society against the onslaught of the intolerant, then the tolerant will be destroyed, and tolerance with them." - Karl Popper

“It’s the presumption that Obama knows how all these industries ought to be operating better than people who have spent their lives in those industries, and a general cockiness going back to before he was president, and the fact that he has no experience whatever in managing anything. Only someone who has never had the responsibility for managing anything could believe he could manage just about everything.” - Thomas Sowell in Reason Magazine

Cajun Baptist

Reverend Boudreaux was the part-time pastor of the local Cajun Baptist Church, and Pastor Thibodeaux was the minister of the Covenant Church across the road. They were both standing by the road, pounding a sign into the ground that read:

Da End is Near
Turn Yo Sef 'Roun Now
Afore It Be Too Late!

As a car sped past them, the driver leaned out his window and yelled, "You religious nuts!"

From the curve they heard screeching tires, and a big splash...

Boudreaux turns to Thib and asks, "Do ya tink maybe da sign should jussay.........Bridge Out

Hat Tip to Dave T!

"Unlimited tolerance must lead to the disappearance of tolerance. If we extend unlimited tolerance even to those who are intolerant, if we are not prepared to defend a tolerant society against the onslaught of the intolerant, then the tolerant will be destroyed, and tolerance with them." - Karl Popper

“It’s the presumption that Obama knows how all these industries ought to be operating better than people who have spent their lives in those industries, and a general cockiness going back to before he was president, and the fact that he has no experience whatever in managing anything. Only someone who has never had the responsibility for managing anything could believe he could manage just about everything.” - Thomas Sowell in Reason Magazine

Present company excepted, of course

A woman was helping her husband to install his new computer. Once they finished the installation, it says to her husband that he must choose a password. Something which he will remember because it will be needed to start a session. The man a little macho… wanting to pass message to his wife, he chooses a password and is eager to see her reaction. When the computer requests the password of him… he looks at his wife with a tempting air and types:



P...

E...

N....

I...

S...

When her husband pressed (enter) she throws herself on the ground laughing....




Because the computer answered her husband:


Access denied… too short!


Hat tip to Claudia!

"Unlimited tolerance must lead to the disappearance of tolerance. If we extend unlimited tolerance even to those who are intolerant, if we are not prepared to defend a tolerant society against the onslaught of the intolerant, then the tolerant will be destroyed, and tolerance with them." - Karl Popper

“It’s the presumption that Obama knows how all these industries ought to be operating better than people who have spent their lives in those industries, and a general cockiness going back to before he was president, and the fact that he has no experience whatever in managing anything. Only someone who has never had the responsibility for managing anything could believe he could manage just about everything.” - Thomas Sowell in Reason Magazine

The things I learned

Well, the year is winding down and I've been thinking about all the things I've learned this year.

I've learned that when you live in a home with a very large yard with lots of trees when a tornado comes through some very bad things happen. Like a bunch of trees down.

Actually I knew that. I also knew that things like that always happen to someone else.

That led me to learn that if you know very little about small engines then buy a Poulan blower and/or chain saw. They are excellent devices to use to learn about repairing small engines.

I also knew this but it was reinforced. Chains put on backwards denigrate the chain sawing experience and are apt to damage the chain.

Chainsaws that do not oil the bar adequately will cause the bar and chain to overheat and jam. Other than repairing what caused the lack of lubrication you can expect to replace the chain and the bar.

That led me to learn that if you trip and fall and try to catch yourself with and extended hand... be sure that the hand is extended far enough. Otherwise you may learn that a single middle finder can't hold your body weight and is likely to wind up pushed backwards and outward giving it an unusual angle and an ugly appearance. It will also hurt like the devil.

That led me to learn that the local feeder hospital is not to be utilized. This was made plain to me when I showed up at the ER with my right hand held up by my left hand and the ER screener asked, "What's your problem?"

I then discovered that the nearby regional ER is top notch. And I later discovered that Medicare doesn't cover the pain killer pill they gave me. Yet Medicare Part D Rx drug insurance does.

Lesson learned? Don't do something to your body that requires a pain killer pill in an ER.

And you really think our health care system isn't totally screwed up?

I also learned that if you think it was the city that chewed up part of your yard while clearing the road after the storm you may discover that the city thinks it was the local utility who thinks it was the local cable guys who thinks it was the county utility who thinks it was the county road department.

Who was rewarded for their coming inside the city limits and screwing up my yard by helping out the city in removing a 80 foot oak from across the road by me reminding them that if you break something, in my world, you fix it.

Happily, I learned that their management are stand up people.

I also learned that my home owner's insurance is limited to $1500 with a $500 deductible for tree remioval.

What I really learned was..... read the policy and that learning can be painful and expensive.

But the most painful thing I learned was this. Cutting down those trees that have been so badly damaged that they detract from the house's appearance or may fall down and damage other trees must be done.

By that standard I am in deep, deep trouble.


"Unlimited tolerance must lead to the disappearance of tolerance. If we extend unlimited tolerance even to those who are intolerant, if we are not prepared to defend a tolerant society against the onslaught of the intolerant, then the tolerant will be destroyed, and tolerance with them." - Karl Popper

“It’s the presumption that Obama knows how all these industries ought to be operating better than people who have spent their lives in those industries, and a general cockiness going back to before he was president, and the fact that he has no experience whatever in managing anything. Only someone who has never had the responsibility for managing anything could believe he could manage just about everything.” - Thomas Sowell in Reason Magazine