What's bothering you today?

[hrkac]

Four places (two in GF, one in Fargo and one in Moorhead) told me 'nope' after checking whatever they check. I'll call them tomorrow with this info. Thanks!

Same thing with my MINI.

[Fetch]

Not these guys (it's mostly the pharmacy)

[UNDBIZ]

Not these guys (it's mostly the pharmacy)

Darn Moo U grads.

[siouxweet]

Four places (two in GF, one in Fargo and one in Moorhead) told me 'nope' after checking whatever they check. I'll call them tomorrow with this info. Thanks!

you can put them in anything but on certain vehicles when you do it can mess up other systems in the car like security systems and so forth and that is probably why you have been told no.

[Goon]

Boy, isn't that the truth. Hopefully he won't be for much longer.

Throw the book at John Scott.

[yzerman19]

blaming insurance companies for everything

[bigskyvikes]

blaming insurance companies for everything

Insurance companies should get a lot of blame for a lot of things.

[yzerman19]

Insurance companies should get a lot of blame for a lot of things.

As an expert, I will have to disagree. Blaming insurance companies for the cost of insurance is akin to blaming your local gas station for the cost of gas.

Important things to note:

1. If you're employed by a larger company, your policy is likely self-insured and as a result, your employer, not the insurer actually determined your benefits.

2. Your employer wants to pay as little for healthcare benefits as possible.

3. Insurance companies will ( if legal and administrable) pay for any benefit, it just raises the premium.

4. The percent of premium that sticks with the insurer is significantly less than the average negotiated discount for healthcare services they provide access to. Would you pay fifteen percent to save fifty percent? That's the insurance value prop. Out of that fifteen they are also paying taxes and broker commissions. The fifteen percent number goes to below ten percent on self insured.

5. Insurance companies are required to carry huge reserves in order to prove solvency in a crisis- a large chunk of insurance company profits are due to investment income on those mandated reserves.

6. The other driver of insurance company profits is the underwriting cycle, when one out of every five years or so the cost of care is lower than predicted by the actuaries. This is a risk premium. They also lose sometimes. Do you fault the casino for winning more than losing?

Please note- no politics in this post, simply facts and business.

[Redneksioux]

As an expert, I will have to disagree. Blaming insurance companies for the cost of insurance is akin to blaming your local gas station for the cost of gas.

Important things to note:

1. If you're employed by a larger company, your policy is likely self-insured and as a result, your employer, not the insurer actually determined your benefits.

2. Your employer wants to pay as little for healthcare benefits as possible.

3. Insurance companies will ( if legal and administrable) pay for any benefit, it just raises the premium.

4. The percent of premium that sticks with the insurer is significantly less than the average negotiated discount for healthcare services they provide access to. Would you pay fifteen percent to save fifty percent? That's the insurance value prop. Out of that fifteen they are also paying taxes and broker commissions. The fifteen percent number goes to below ten percent on self insured.

5. Insurance companies are required to carry huge reserves in order to prove solvency in a crisis- a large chunk of insurance company profits are due to investment income on those mandated reserves.

6. The other driver of insurance company profits is the underwriting cycle, when one out of every five years or so the cost of care is lower than predicted by the actuaries. This is a risk premium. They also lose sometimes. Do you fault the casino for winning more than losing?

Please note- no politics in this post, simply facts and business.

Remember though that insurance companies stay in business because of profits. They make money. If they didn't they'd be out of business. What about Medicare? Well that's a different story. And I ain't gonna get into politics.

[yzerman19]

Never said they didn't make a profit. If I take risk and can lose, shouldn't I also be able to win? And if I do it smartly, I should win more than I lose, just like any financial institution. They don't "win" by not paying claims- that would be short term and they'd be out of business in a couple years.

Insurance company profit margins are not from what you think of as insurance...they are from investment income and from selling ancillary products

[Redneksioux]

Never said they didn't make a profit. If I take risk and can lose, shouldn't I also be able to win? And if I do it smartly, I should win more than I lose, just like any financial institution. They don't "win" by not paying claims- that would be short term and they'd be out of business in a couple years.

Insurance company profit margins are not from what you think of as insurance...they are from investment income and from selling ancillary products

I'll give you that. And at the same time throw one company under the bus....Humana. Joke of a company and this is a company that will deny claims.

[bigskyvikes]

Dear customer, pay this premium. What! You got in an accident? Well your rate is going up! Its one thing to be insured, but it is another to use it for the person paying the premiums to benefit! All insurance is a joke!End of story...

[Redneksioux]

Dear customer, pay this premium. What! You got in an accident? Well your rate is going up! Its one thing to be insured, but it is another to use it for the person paying the premiums to benefit! All insurance is a joke!End of story...

Well Humana won't raise your rates, they just won't pay your provider!

[runaroundsioux]

trying to watch Through These Doors on UNDsports and it freezes every 4 seconds.

[runaroundsioux]

Watch it on youtube and it's seamless.

[gfhockey]

trying to watch Through These Doors on UNDsports and it freezes every 4 seconds.

its on your end

[fightingsioux4life]

its on your end

Says every Qwest customer service rep I have ever dealt with.

[runaroundsioux]

its on your end

Starting to feel like its "in" my end!

[jodcon]

Starting to feel like its "in" my end!

[keikla]

As an expert, I will have to disagree. Blaming insurance companies for the cost of insurance is akin to blaming your local gas station for the cost of gas.

Important things to note:

1. If you're employed by a larger company, your policy is likely self-insured and as a result, your employer, not the insurer actually determined your benefits.

2. Your employer wants to pay as little for healthcare benefits as possible.

3. Insurance companies will ( if legal and administrable) pay for any benefit, it just raises the premium.

4. The percent of premium that sticks with the insurer is significantly less than the average negotiated discount for healthcare services they provide access to. Would you pay fifteen percent to save fifty percent? That's the insurance value prop. Out of that fifteen they are also paying taxes and broker commissions. The fifteen percent number goes to below ten percent on self insured.

5. Insurance companies are required to carry huge reserves in order to prove solvency in a crisis- a large chunk of insurance company profits are due to investment income on those mandated reserves.

6. The other driver of insurance company profits is the underwriting cycle, when one out of every five years or so the cost of care is lower than predicted by the actuaries. This is a risk premium. They also lose sometimes. Do you fault the casino for winning more than losing?

Please note- no politics in this post, simply facts and business.

I should probably note that my post was made in jest.

However, as someone who worked in retail pharmacy for 6 years (before wisely switching to hospital pharmacy), I'm well aware that pharmacy employees often get lambasted for prior authorizations and other such hoops instituted by insurance companies. Though I understand the reasoning behind prior auths and some of the other hoops (hello cost containment!), most patients don't and choose to take it out on the messenger. That's all I meant!

[Fetch]

The price of ammo if u can even find any

[sprig]

CBSSN, having the contract with NCHC, will be showing "Bull Riding" this weekend, instead of any NCHC games. I hate this damn network already, this makes it even worse. If they want college hockey that badly, show something.

Apologies to rodeo fans

[MafiaMan]

Dear customer, pay this premium. What! You got in an "accident" in which you were cited for running a red light? Well your rate is going up!

Slightly altered your post to reflect a more likely situation...

[Redneksioux]

CBSSN, having the contract with NCHC, will be showing "Bull Riding" this weekend, instead of any NCHC games. I hate this damn network already, this makes it even worse. If they want college hockey that badly, show something.

Apologies to rodeo fans

That does suck!

[Redneksioux]

As an expert, I will have to disagree. Blaming insurance companies for the cost of insurance is akin to blaming your local gas station for the cost of gas.

Important things to note:

1. If you're employed by a larger company, your policy is likely self-insured and as a result, your employer, not the insurer actually determined your benefits.

2. Your employer wants to pay as little for healthcare benefits as possible.

3. Insurance companies will ( if legal and administrable) pay for any benefit, it just raises the premium.

4. The percent of premium that sticks with the insurer is significantly less than the average negotiated discount for healthcare services they provide access to. Would you pay fifteen percent to save fifty percent? That's the insurance value prop. Out of that fifteen they are also paying taxes and broker commissions. The fifteen percent number goes to below ten percent on self insured.

5. Insurance companies are required to carry huge reserves in order to prove solvency in a crisis- a large chunk of insurance company profits are due to investment income on those mandated reserves.

6. The other driver of insurance company profits is the underwriting cycle, when one out of every five years or so the cost of care is lower than predicted by the actuaries. This is a risk premium. They also lose sometimes. Do you fault the casino for winning more than losing?

Please note- no politics in this post, simply facts and business.

Also regarding the casino statement. The federal government does not fine you for not being a casino customer. They will fine you if you don't hold health insurance.