Laconia Oct 3 ice hockey ref tests positive

[P-3 Guy]

Originally Posted by joey2665

I did say that, self insured plans can have surcharges that traditional plans cannot. Refer back to the original posts.

So, according to you at a minimum self-insured plans can have a higher premium for tobacco users, and apparently (again, according to you) so can ACA plans and group plans that cover fewer than 150 employees. Thank you.

Also I stated I assumed you had traditional coverage because in this day and age self insurance is very rare especially for medical insurance.

Approximately 54,500 health plans filed a Form 5500 for 2015, an increase of nearly 6 percent from the health plans that filed a Form 5500 for 2014. Of health plans filing a 2015 Form 5500, about 22,900 were self-insured and approximately 3,900 mixed self-insurance with insurance (“mixed-insured”). Self-insured plans that filed a Form 5500 covered approximately 34 million participants in 2015 and held assets totaling about $84 billion. In 2015 there were nearly 26 million participants covered by mixed-insured group health plans; these mixed-insured group health plans held almost $135 billion in assets.

https://www.dol.gov/sites/dolgov/fil...plans-2018.pdf

Very rare indeed. In 2015, 42% of health plans with about 34 million participants reported to the Department of Labor on Form 5500 by employers were disclosed to be fully self-insured. Sorry, a quick search brought me to data only as new as 2015.

I also said you should have been more forthcoming and stated the origin of your employers policy.

The kind of health insurance I have has nothing to do with the simple overall question regarding higher premiums for tobacco users, which for whatever reason you seemed to be having a very hard time answering.

[joey2665]

Originally Posted by TMI Guy

So, according to you at a minimum self-insured plans can have a higher premium for tobacco users, and apparently (again, according to you) so can ACA plans and group plans that cover fewer than 150 employees. Thank you.

Approximately 54,500 health plans filed a Form 5500 for 2015, an increase of nearly 6 percent from the health plans that filed a Form 5500 for 2014. Of health plans filing a 2015 Form 5500, about 22,900 were self-insured and approximately 3,900 mixed self-insurance with insurance (“mixed-insured”). Self-insured plans that filed a Form 5500 covered approximately 34 million participants in 2015 and held assets totaling about $84 billion. In 2015 there were nearly 26 million participants covered by mixed-insured group health plans; these mixed-insured group health plans held almost $135 billion in assets.

https://www.dol.gov/sites/dolgov/fil...plans-2018.pdf

Very rare indeed. In 2015, 42% of health plans with about 34 million participants reported to the Department of Labor on Form 5500 by employers were disclosed to be fully self-insured. Sorry, a quick search brought me to data only as new as 2015.

The kind of health insurance I have has nothing to do with the simple overall question regarding higher premiums for tobacco users, which for whatever reason you seemed to be having a very hard time answering.

Yes the type has everything to do with this. That’s where this all originated from. If you were honest and forthcoming from the start I would of had all the pertinent information.

You don’t want to give me your plan fine I don’t know what the big secret is it’s not a matter of national security.

[P-3 Guy]

Originally Posted by joey2665

Yes the type has everything to do with this. That’s where this all originated from. If you were honest and forthcoming from the start I would of had all the pertinent information.

What pertinent information? You needed to know what type of health plan covers me before you could acknowledge as correct a statement about health care plans in general? Talk about a deflection tactic - because I was not "honest and forthcoming" about my specific situation you couldn't/wouldn't agree that some health insurance plans in general can and do charge higher premiums for tobacco users. That's just nonsense.

You don’t want to give me your plan fine I don’t know what the big secret is it’s not a matter of national security.

No it isn't, but it's also not in any way relevant to this discussion. It’s being used as a smoke screen to try and muddle the issue and recover from a misstatement of fact. Pesky things, those facts, especially when you get them wrong.


Edited to add: here's an idea - perhaps we should go to PM to spare the other readers here the monotony. Feel free to do so.

[joey2665]

Originally Posted by TMI Guy

What pertinent information? You needed to know what type of health plan covers me before you could acknowledge as correct a statement about health care plans in general? Talk about a deflection tactic - because I was not "honest and forthcoming" about my specific situation you couldn't/wouldn't agree that some health insurance plans in general can and do charge higher premiums for tobacco users. That's just nonsense.

No it isn't, but it's also not in any way relevant to this discussion. It’s being used as a smoke screen to try and muddle the issue and recover from a misstatement of fact. Pesky things, those facts, especially when you get them wrong.

Edited to add: here's an idea - perhaps we should go to PM to spare the other readers here the monotony. Feel free to do so.

The original discussion came about about smoking and you said you were charged extra in your policy for smoking and I said that that was unlikely. If you don’t want to give me the information so I can make an educated response that’s fine that’s your choice.

I’m not asking for personal information about your individual coverage all I’m saying is what type of policy did your company create. Self-insured or traditional, that’s it but you don’t want to answer so that’s fine.have a great night.

By the way I certainly have better things to do than PM you about this

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[P-3 Guy]

Originally Posted by joey2665

The original discussion came about about smoking and you said you were charged extra in your policy for smoking and I said that that was unlikely. If you don’t want to give me the information so I can make an educated response that’s fine that’s your choice.

Nope. The original discussion came about because I wrote "For other preventable diseases, there are ways currently being employed that hopefully modify behavior for the greater good. For instance, it's common for health insurance premiums to be more expensive for those who use tobacco." You then replied "You are wrong about the Heath insurance statement. That only applies to life insurance." Not that it was "unlikely," but that I "was wrong" about higher premiums for tobacco users.

And what do you need to make an educated guess about? I only mentioned my health insurance, after your misstatement of fact, as an example of a plan that does in fact charge higher premiums for tobacco users, contrary to your claim. So, you said that health insurance plans don't charge extra for tobacco use ("That only applies to life insurance") before I mentioned anything about my plan. I wasn't seeking any advice or guidance about my health plan, and yet you for some reason think that details about my health plan are critical to some kind of response from you.

I’m not asking for personal information about your individual coverage all I’m saying is what type of policy did your company create. Self-insured or traditional, that’s it but you don’t want to answer so that’s fine.have a great night.

The information you seem so desperate to have is, again, completely irrelevant to the issue being discussed: in general, are there health insurance plans that can and do charge a higher premium for tobacco users. As far as I am concerned, we are now in agreement on that point, yes?

By the way I certainly have better things to do than PM you about this

And yet here you are, 10 posts and nearly 28 hours after you said you were done.

[joey2665]

Originally Posted by TMI Guy

Nope. The original discussion came about because I wrote "For other preventable diseases, there are ways currently being employed that hopefully modify behavior for the greater good. For instance, it's common for health insurance premiums to be more expensive for those who use tobacco." You then replied "You are wrong about the Heath insurance statement. That only applies to life insurance." Not that it was "unlikely," but that I "was wrong" about higher premiums for tobacco users.

And what do you need to make an educated guess about? I only mentioned my health insurance, after your misstatement of fact, as an example of a plan that does in fact charge higher premiums for tobacco users, contrary to your claim. So, you said that health insurance plans don't charge extra for tobacco use ("That only applies to life insurance") before I mentioned anything about my plan. I wasn't seeking any advice or guidance about my health plan, and yet you for some reason think that details about my health plan are critical to some kind of response from you.

The information you seem so desperate to have is, again, completely irrelevant to the issue being discussed: in general, are there health insurance plans that can and do charge a higher premium for tobacco users. As far as I am concerned, we are now in agreement on that point, yes?

And yet here you are, 10 posts and nearly 28 hours after you said you were done.

Deny deny. Wow you have way too much time on your hands.

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