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Health Insurers Urged to Extend Policies Beyond Year-End
Wall Street Journal ^ | November 5, 2013 | TIMOTHY W. MARTIN and LOUISE RADNOFSKY

Posted on 11/06/2013 6:03:38 AM PST by reaganaut1

Federal lawmakers and state officials are stepping up pressure on insurers to allow consumers whose coverage has been canceled in response to the health overhaul to keep their policies beyond the end of the year.

On Tuesday, one of the largest regional health plans in the nation, Blue Shield of California, said it would relax its stance on terminated policies for about 115,000 people after state regulators demanded it do so. Customers now will have until March to decide which plan to choose for 2014, a three-month extension. Because the newer plans generally cost more, the extension could save residents as much as $28.6 million on premiums, said Dave Jones, California's insurance commissioner.

"For 115,000 people, they get additional time to decide what's best for them and their families," he told reporters Tuesday. The California Department of Insurance is reviewing termination letters sent by other insurers in the state to decide whether other companies need to offer consumers similar extensions, Mr. Jones said.

The move by Mr. Jones, an elected Democrat, comes as some other Democrats are seeking ways to allow individual policyholders to keep their current health plans and to defuse the issue of canceled plans, which has become a headache for supporters of the law.

Cancellation letters are expected to be sent to as many as 10 million Americans who buy coverage directly from insurers, rather than through an employer or government program. While these individuals would have to buy new policies, regulators and lawmakers say the extensions would give them more time to shop for an affordable new plan—particularly because continuing problems with insurance exchange websites are preventing many of these consumers from finding new coverage.

(Excerpt) Read more at online.wsj.com ...


TOPICS: Business/Economy; Front Page News; Government; News/Current Events; US: California
KEYWORDS: abortion; california; deathpanels; obamacare; zerocare
The president gets major legislation based on the lie that "you can keep your plan if you like it", and when insurers are forced to cancel millions of policies, governors of the same party pressure them to extend the policies. What kind of banana republic are we living in?
1 posted on 11/06/2013 6:03:38 AM PST by reaganaut1
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To: reaganaut1
"For 115,000 people, they get additional time to decide what's best for them and their families," (said Dave Jones, CA Insurance Commissioner)

I think Dave Jones is too stupid to realized the immense irony of his statement.

2 posted on 11/06/2013 6:08:14 AM PST by VeniVidiVici (Play the 'Knockout Game' with someone owning a 9mm and you get what you deserve)
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To: reaganaut1

“The president gets major legislation based on the lie that “you can keep your plan if you like it”, and when insurers are forced to cancel millions of policies, governors of the same party pressure them to extend the policies. What kind of banana republic are we living in?”

We are living in a country where the big insurance companies made a deal with the federal government at the time Obamacare was being written and debated. It is another manifestation of crony capitalism. Instead of opposing government takeover of the healthcare system (as they did with Hillarycare), the insurance companies signed on believing they had negotiated protections and would benefit from the government forcing millions of new customers to buy insurance.

At this point the insurance companies are completely corrupted. Even if Congress ended Obamacare today, the health insurance market has been thoroughly politicized.


3 posted on 11/06/2013 6:09:26 AM PST by Soul of the South (Yesterday is gone. Today will be what we make of it.)
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To: reaganaut1

To put this in the right prospective...the wagon train has come to see the Indians in full view and approaching. The Indians agree that they will stall their attack on the wagon train, until March....just to show they are good ethical Indians. Course, then, in March...the attack will occur, as originally planned.

You are merely delaying the negative outcome by 90 days. Nothing else changes. Why would any company agree to this? They already expect to rake in huge profits for 2014, and this delay tactic lessens the amount enough...that the President won’t say bad things in spring of 2015 about them.

How foolish are the idiot consumers in this case?


4 posted on 11/06/2013 6:11:09 AM PST by pepsionice
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To: reaganaut1
RE :”On Tuesday, one of the largest regional health plans in the nation, Blue Shield of California, said it would relax its stance on terminated policies for about 115,000 people after state regulators demanded it do so. Customers now will have until March to decide which plan to choose for 2014, a three-month extension. Because the newer plans generally cost more, the extension could save residents as much as $28.6 million on premiums, said Dave Jones, California's insurance commissioner. “

Can anyone here explain what this means?

How can they extend them?

5 posted on 11/06/2013 6:13:13 AM PST by sickoflibs (To GOP : Any path to US Citizenship IS putting them ahead in line. Stop lying about your position)
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To: sickoflibs

The fact that anyone here on FR is even debating “whether” the insurance companies did anything wrong in the disaster known as Obamacare........is very chilling.

Are we going to just follow the lead of the media and fall in line to blame ANYONE other than Obama?

Obama lied. Period.


6 posted on 11/06/2013 6:16:06 AM PST by swpa_mom
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To: reaganaut1
So first the democrats ram through obamacare without any Republican support. Then when it becomes the disaster we all knew it was going to be... Now the 'rats are encouraging the same insurance companies they have been abusing to turn around and break the law, just to save face for the 'rats? Right. And how many Charlie Brown insurance companies out there are going to believe that there wouldn't then be a lawsuit coming down on them next year over their failure to obey obamacare? Lucy Lucy Lucy... You can only fool us so many times. This is your pile of excrement, roll around in it.
7 posted on 11/06/2013 6:18:41 AM PST by ThunderSleeps (Stop obarma now! Stop the hussein - insane agenda!)
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To: swpa_mom

I dont understand what this is saying.

How can insurers now not cancel those policies?


8 posted on 11/06/2013 6:21:04 AM PST by sickoflibs (To GOP : Any path to US Citizenship IS putting them ahead in line. Stop lying about your position)
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To: reaganaut1
The president gets major legislation based on the lie that "you can keep your plan if you like it", and when insurers are forced to cancel millions of policies, governors of the same party pressure them to extend the policies. What kind of banana republic are we living in?

The same banana republic where the government encouraged a low-credit housing boom, encouraged JP Morgan and Bank America to buy Bear Stearns, Countrywide Mortgage, and Merrill Lynch when trouble hit, and then turned around and sued them for bad mortgage practices by the companies they begged them to buy!

9 posted on 11/06/2013 6:25:18 AM PST by Pearls Before Swine
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To: reaganaut1

Urged? Like the way Don Corleone or Tony Soprano urge people to do certain things?


10 posted on 11/06/2013 6:25:55 AM PST by tips up (Living is easy with eyes closed, misunderstanding all you see.)
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To: reaganaut1

the peasants have won a reprieve until March but note that the dates NEVER extend beyond April 15th

the democrat-IRS will not be appeased

It has always planned on collecting “fines” from people who cannot afford or will not pay for their “new” obamacare insurance benefits by April 15th. and who are forced to pay higher taxes and go uninsured to boot

No doubt the expected middle class tax-rape windfall is already spent

move to Nevada folks
Harry Reid got his entire state “exempted” from this “law of the land”


11 posted on 11/06/2013 6:34:12 AM PST by silverleaf (Age takes a toll: Please have exact change)
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To: reaganaut1

“Please keep the people in the dark about how awful Obamacare is!”


12 posted on 11/06/2013 6:35:26 AM PST by MrB (The difference between a Humanist and a Satanist - the latter admits whom he's working for)
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To: reaganaut1

But if insurers extended their policies beyond years end would the people keeping these policies be subject to an Obamacare tax (a.k.a. fine) because their policy didn’t meet the Obamacare standards?


13 posted on 11/06/2013 6:36:47 AM PST by The Great RJ
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To: sickoflibs
How can insurers now not cancel those policies?

Even though it will be illegal for them to be sold, the Democrats promise that they won't prosecute if they make nice, continue the policies to avoid severe voter backlash and make a lot of campaign contributions to make sure those illegal sales won't be prosecuted retroactively. And if they don't, then the Obamacare website (if it ever works) might just happen to direct only the sickest customers to them and send the healthy and profitable customers to the companies which play ball.

14 posted on 11/06/2013 6:37:04 AM PST by KarlInOhio (Everyone get online for Obamacare on 10/1. Overload the system and crash it hard!)
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To: KarlInOhio
You're describing a stealth delay in those mandates.

It makes me suspicious.

Are they selling policies that dont cover pre-existing conditions?

How about mandated maternity care and those others?

15 posted on 11/06/2013 6:42:03 AM PST by sickoflibs (To GOP : Any path to US Citizenship IS putting them ahead in line. Stop lying about your position)
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To: swpa_mom

Obama lied.

But the insurance companies were his willing co-conspirators. They wanted 30 million new customers at gunpoint so badly they could taste it.

Obama lied to them too about the ultimate goal being single payer.


16 posted on 11/06/2013 6:43:04 AM PST by Buckeye McFrog
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To: KarlInOhio
the Democrats promise

Did you really type that?

17 posted on 11/06/2013 6:49:35 AM PST by mykroar (“We fight, get beat, rise, and fight again.” - Nathanael Greene)
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To: The Great RJ

My Blue Cross of Arkansas was extended all the way through 12/31/14. I can get a new “approved” policy as well. On 1/1/15 I will have to have an “approved” of policy. As of now. I have no idea how things will be through the new year.


18 posted on 11/06/2013 7:14:17 AM PST by AceMineral (Some people are slaves of their own stupidity.)
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To: sickoflibs

What if someone became pregnant that had one of these policies that didn’t cover it? Then the gov’t will force them to cover it anyway without compensation?


19 posted on 11/06/2013 7:15:32 AM PST by Rusty0604
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To: Rusty0604

Exactly, I just dont understand what the above means, nor those Senate Dem proposals to do the same.


20 posted on 11/06/2013 7:19:33 AM PST by sickoflibs (To GOP : Any path to US Citizenship IS putting them ahead in line. Stop lying about your position)
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To: KarlInOhio

Fascism. Pure and simple - fascism.


21 posted on 11/06/2013 7:21:32 AM PST by patton (“Really? Have you tried chewing cloves?”)
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To: sickoflibs

Because Herr Obama says they can’t cancel them because it’s making him look bad.

It’s all about Obama. That’s all that matters in this country now.


22 posted on 11/06/2013 7:22:42 AM PST by livius
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To: reaganaut1
Federal lawmakers and state officials are stepping up pressure on insurers to allow consumers whose coverage has been canceled in response to the health overhaul to keep their policies beyond the end of the year.

Not just 'no', but 'HELL NO!' Don't let them do it to you. They are blaming their actions on you, and then asking you to make it OK for them. Screw 'em. Tell them you are living by their rules, and if they have a problem with it, then they need to do away with the rules that caused the problem to begin with.

23 posted on 11/06/2013 7:25:38 AM PST by Hoodat (Democrats - Opposing Equal Protection since 1828)
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To: VeniVidiVici
I think Dave Jones is too stupid to realized the immense irony of his statement.

Davy Jones is a dolt.

24 posted on 11/06/2013 7:25:46 AM PST by Hyman Roth
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To: mykroar
>>> the Democrats promise

Did you really type that?

I had to disable Firefox's BS detector. Also note that even later in that sentence the insurance companies would have to bribe the Democrats to make sure those promises are kept.

Remember, you only can rent politicians... they aren't honest enough to stay bought.

25 posted on 11/06/2013 7:28:03 AM PST by KarlInOhio (Everyone get online for Obamacare on 10/1. Overload the system and crash it hard!)
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To: Hoodat

The insurance companies, like everybody else in this country, are both confused and scared. They probably thought they were going to make an easy bundle by “administering” Obamacare, but I think that this is way beyond anything they imagined and now they are probably seriously worried about having their business nationalized out from under them.


26 posted on 11/06/2013 7:38:25 AM PST by livius
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To: reaganaut1
Federal lawmakers and state officials are stepping up pressure on insurers to allow consumers whose coverage has been canceled in response to the health overhaul to keep their policies beyond the end of the year.

So, the same people who made this the law are now asking the insurance companies to violate it??

27 posted on 11/06/2013 7:46:15 AM PST by GeronL
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To: FRiends
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28 posted on 11/06/2013 7:49:57 AM PST by deoetdoctrinae (Gun-free zones are playgrounds for felons.)
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To: reaganaut1
The ONLY answer is to defund and make null and void the pile of dung called “Obamacare”.
29 posted on 11/06/2013 7:52:48 AM PST by 444Flyer (How long O LORD?)
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To: livius
"...They probably thought they were going to make an easy bundle by “administering” Obamacare, but I think that this is way beyond anything they imagined and now they are probably seriously worried about having their business nationalized out from under them."

!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Your statement is spot on.

30 posted on 11/06/2013 7:55:34 AM PST by 444Flyer (How long O LORD?)
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To: sickoflibs

saving money by not spending it until later even though what you are forced to buy costs more than what you have even though it’s “better” for you than you’ll ever know.

make sense?


31 posted on 11/06/2013 8:00:56 AM PST by ealgeone (obama, border)
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To: Soul of the South
The insurance companies saw nothing but dollar signs. They saw a way to increase profits and increase the number of insured, but part of that equation was to play their games to get the already-insured into more expensive policies.

The fun is going to start when people with subsidized policies find out about deductibles and getting the insurance company to pay for stuff.

The medical support system is going to be overwhelmed with the new Medicaid recipients getting all of their free stuff and then newly insured getting whatever they can because "it's covered".

And the insurance companies? The longer it is before their customers can be forced into more expensive policies, the more money they'll lose.

Meanwhile, for us average folk, for all pratical purposes good medical care when you really need it is just about over. Heal thyself.

32 posted on 11/06/2013 8:04:10 AM PST by grania
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To: reaganaut1

The insurance companies are now getting it good and hard for being in bed with Obama.

They’ll now be thrown under the bus where they belong by the malignant narcissist.


33 posted on 11/06/2013 8:21:38 AM PST by headstamp 2 (What would Scooby do?)
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To: sickoflibs

“Can anyone here explain what this means? How can they extend them?”

They can’t. I think this is deliberately obfuscatory reporting. The part about “newer plans” “saving” money gives it away. I suspect that what is really going on is that the insurance company was extorted into GIVING a KommieKare-compliant plan at the OLD rate until March 2014 to those who were cancelled.

The savings is obviously how much more KommieKare-compliant plans cost compared to the cancelled plans.


34 posted on 11/06/2013 8:44:56 AM PST by catnipman (Cat Nipman: Vote Republican in 2012 and only be called racist one more time!)
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To: reaganaut1

I’m thinking the market reaction to Obamacare is happening faster than anticipated, and is resulting in backfire.


35 posted on 11/06/2013 8:49:39 AM PST by Safrguns (PM me if you like to play Minecraft!)
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To: reaganaut1

Just wait for all the “glitches” when your insurance company that cancelled your current and you sign up for their new “market place” plan. Computer heads will explode with all the confusion. Billing errors, payment errors, coverage errors, duplications, yada, yada, yada.


36 posted on 11/06/2013 9:23:47 AM PST by FreedomGuru (Time for torches and pitchforks.)
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To: reaganaut1

because state regulate the Insurance in their state, the Feds have zero right!!! but you know the rest


37 posted on 11/06/2013 9:26:16 AM PST by markman46 (engage brain before using keyboard!!!)
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To: sickoflibs
easy rescind the cancellations keep collecting the premium
38 posted on 11/06/2013 9:35:40 AM PST by markman46 (engage brain before using keyboard!!!)
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To: GeronL

“So, the same people who made this the law are now asking the insurance companies to violate it??”

“Trust us. It won’t come back to bite you in the ass. No one will come after you. Period.”


39 posted on 11/06/2013 10:13:41 AM PST by ToastedHead
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To: sickoflibs

“Can anyone here explain what this means?”

Its crazy. I got a letter on Oct 2nd giving me their best guess explanation of how my insurance is changing. I got a follow up letter on Oct 22nd, with what appeared to be a change to my original contract (signed on their end but not mine) telling me they changed my policy year “anniversary date.” It actually benefits me, because it extends my policy through 12/1/14, so it has my blessing.

Everyone is making everything up as they go along. I can believe they would now send another letter offering me an extension of my original policy.

I suspect the insurance companies are supporting this new effort. They are seeing the mounting losses for 2014. The biggest problem they now have is that people like me, who never file a claim and use them as “asset insurance”, have already made our decisions. They snooze, they lose. After 12/1/14, I will never send another dime to Blue Cross. I am protesting their ignorance in supporting the ACA.


40 posted on 11/06/2013 10:27:09 AM PST by ToastedHead
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To: reaganaut1

“The president gets major legislation based on the lie that “you can keep your plan if you like it””

Actually, if memory serves, the ACA was passes based on absolutely nothing other than ‘you have to pass it to find out what’s in it’.


41 posted on 11/06/2013 12:17:22 PM PST by MichaelCorleone (Jesus Christ is not a religion. He's the Truth.)
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To: ToastedHead

You are right. The way to win this game is to not play.


42 posted on 11/06/2013 5:00:36 PM PST by SisterK (its a spiritual war)
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To: AdmSmith; AnonymousConservative; Berosus; bigheadfred; Bockscar; cardinal4; ColdOne; ...

Thanks reaganaut1.
On Tuesday, one of the largest regional health plans in the nation, Blue Shield of California, said it would relax its stance on terminated policies for about 115,000 people after state regulators demanded it... Because the newer plans generally cost more, the extension could save residents as much as $28.6 million on premiums, said Dave Jones, California's insurance commissioner... an elected Democrat... some other Democrats are seeking ways to allow individual policyholders to keep their current health plans and to defuse the issue of canceled plans, which has become a headache for supporters of the law.

43 posted on 11/06/2013 5:05:17 PM PST by SunkenCiv (http://www.freerepublic.com/~mestamachine/)
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To: grania

“The fun is going to start when people with subsidized policies find out about deductibles and getting the insurance company to pay for stuff.”

This is the big unknown. It may be that many middle class people faced with high deductibles they cannot afford, and earning too much to obtain subsidies, will simply forgo all but emergency medical care resulting in premature death for many. In that even, demand for medical may actually decline instead of rise under Obamacare.

In that case the Democrats will be demanding evil insurance companies lower deductibles and reduce their “obscene” profits.


44 posted on 11/06/2013 7:06:53 PM PST by Soul of the South (Yesterday is gone. Today will be what we make of it.)
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To: Buckeye McFrog

Obama lied.

PERIOD.

There are no “buts”.

Stop blaming the insurance companies for Obama’s lies.


45 posted on 11/06/2013 7:41:19 PM PST by swpa_mom
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To: reaganaut1

All the insurers have to do is simply ignore this stupid law. And everyone who doesn’t want insurance should simply not buy it. What are they going to do?


46 posted on 11/06/2013 10:22:44 PM PST by VerySadAmerican (".....Barrack, and the horse Mohammed rode in on.")
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To: sickoflibs

$28.6 million....does that include the $2,500 they’re going to save on obamacare?


47 posted on 11/06/2013 10:24:31 PM PST by VerySadAmerican (".....Barrack, and the horse Mohammed rode in on.")
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