LEXIRX330

Welcome to LOC!

What he ^ said, i dont think resetting the motor will do it. That is just for the memory function i think. Do a search here and see what you come up with. And Welcome to LOC!

Wow....never knew that,thanks so much everyone for the response saves me the trip to the shop.Have a GREAT day

Glad we could help!

I think it is supposed to be on. It is on to alert you that the air bag is on.

I don't disagree with any of it. I've never said that I did. Only concern I have, which is systematic in general of several components of the current administrations policies and inability to manage its own party - is the cost. My only question I have ever had of this administration is - how do we pay for it? The only answer I can actually see in reality, is more regulation and red tape. I don't think there is a sole with a Finance 101 course under their belt that can argue in any way shape or form that inflation of the worst kind is almost certain to happen now. We're talking 1982 all over again, if not worse. That, is my only beef with Obama and this group of democrat leadership. I love the democratic party, I think they're the more compassionate party to the public. But, and especially given the recent economic climate, they just don't seem to have a grasp on the budget and where the danger zone of leverage is. Spend spend spend, when the country is broke broke broke, leaves little to tax tax tax. That's my issue.

And that is my whole issue the cost of it! Where is the money coming from...the government has been regulating the insurance companies all along. So if they want to change the rules or force the companies to cover things they can do it already. The problem is in a free market the insurance companies decide to pull out when they can't make a profit in the markets like Maryland for example. That is why you have only a few carriers that have all of the market share. No one else can come in and compete. The medical loss ratio has been set and the insurance companies have to spend the bulk of all premiums on claims. Now if someone wants to tell me the government will do better when managing a health insurance company than only using 20 - 15 % of the money they collect to run and administer the plan I think I will die from laughter.

Anyway I kind of thought this was interesting:

The Doctor Patient Medical Association has released a new survey of about 700 doctors, and the results are bleak. Scary bleak. Among other dismal figures, Doctors' Attitudes on the Future of Medicine: What’s Wrong, Who’s to Blame, and What Will Fix It found that 83% of respondents are contemplating leaving the industry if Obamacare is fully implemented, owing to its disastrous projected consequences. Indeed, they openly blame the healthcare law for their industry's woes:

KEY FINDINGS

90% say the medical system is on the WRONG TRACK

83% say they are thinking about QUITTING

61% say the system challenges their ETHICS

85% say the patient-physician relationship is in a TAILSPIN

65% say GOVERNMENT INVOLVEMENT is most to blame for current problems

72% say individual insurance mandate will NOT result in improved access care

49% say they will STOP accepting Medicaid patients

74% say they will STOP ACCEPTING Medicare patients, or leave Medicare completely

52% say they would rather treat some Medicaid/Medicare patient for FREE

57% give the AMA a FAILING GRADE representing them

1 out of 3 doctors is HESITANT to voice their opinion

2 out of 3 say they are JUST SQUEAKING BY OR IN THE RED financially

95% say private practice is losing out to CORPORATE MEDICINE

80% say DOCTORS/MEDICAL PROFESSIONALS are most likely to help solve things

70% say REDUCING GOVERNMENT would be single best fix.

Read more: http://nation.foxnews.com/obamacare/2012/06/15/survey-says-doctors-don-t-obamacare#ixzz20GlqAPLg

Welcome to LOC!

Do a search on the windows on here I am sure you will find loads of help.

Actually Jim...if you read my post I said that there are good things in the bill/law. My main things I disagree with I have addressed multiple times. If you care to read it. I am not trying to be a jerk but I sure didn't appreciate you coming on here and telling me that I need to take my discussion off line. SW and I have been the main ones going at it back and forth and we are both MOD's and we haven't banned each other! :)

And Jim...I am glad I live in a country that people are free to disagree with me.

Welcome to LOC!

This doesn't seem to be much of a discussion - mainly uninformed people flaming.

Who's flaming who?

I think it is about time for LEXIRX330 and Lenore to take their "hate-fest" off-line. Did I grow up in the same country as these two.

I'm a fairly smart guy who retired from a very large multinational insurance company, who actually understands the provisions of the "Patient Protection and Affordable Care Act" and who has read all nearly 200 pages of Chief Justice Robert's opinion on the matter - which is actually an easy and fun read.

Would LEXIRX330 and Lenore please take the time to read the same information I have read and analyzed and stop just throwing bombs?

No sir, I think you're the one who needs to put the pin back in your grenade. Your interpretation of "facts" is little more than one man's "opinion". Nothing more, nothing less. I think I've been on here long enough (7 years I believe) to have earned the right to say that you're a bit out of line, Jim. Let the men discuss, as they see fit.

NC I wish there was a like button for that post! :)

I went back and read everyone of my post and I honestly don't know what I have posted that would make someone respond like Jim has? I don't even think he has read the post on here.

Well I just got my group renewal for 09/01. Anybody want to tell me why my rate didn't go down since the Health Care Bill, is now LAW...and it was going to make insurance affordable?

RATES went up 30.84%, just got off of the phone with a broker I use and he told me the last two he saw had over 40% increases.

No offense to insurance companies,for they have never been found to take advantage of policy holders, especialy when it comes to assesing preminums and those generous settlments.

The Affordable Health care Act does not come into full implmentation until the end of 2014.

If your being charged 30% more for your premiums at this point with no increase in cost ( if there is that much were is it coming from and show me in public documents that they have to turn in to state, and prove to your state where the justification.

Paul- don't know what to tell you. That is the rate increase. I also got another one for a landscaping company that I have insured and his went up 26%. These are with Carefirst and they both are HSA plans.

I think it is about time for LEXIRX330 and Lenore to take their "hate-fest" off-line. Did I grow up in the same country as these two.

I'm a fairly smart guy who retired from a very large multinational insurance company, who actually understands the provisions of the "Patient Protection and Affordable Care Act" and who has read all nearly 200 pages of Chief Justice Robert's opinion on the matter - which is actually an easy and fun read.

Would LEXIRX330 and Lenore please take the time to read the same information I have read and analyzed and stop just throwing bombs?

Wow that was informatitive I am glad you shared that with us. I don't understand why I am having a hate-fest? I also don't know what bombs I am throwing. You also have no business telling me to take this off line. Point blank if you don't like it don't read it and don't respond to it. If you have something to say feel free. I have read more on this healthcare bill/law, have been to a number of meetings with delegates and senators that I think I have an idea of what I am taking about. Served as the President of our local NAIFA association and you know what just because you may disagree with me...I do know what I am talking about. Now feel free to correct me or debate me but I have certainly not have been throwing bombs.

Those rate increases that I have stated are accurate. The rates are based in MD small group both HSA Plans.

Well I just got my group renewal for 09/01. Anybody want to tell me why my rate didn't go down since the Health Care Bill, is now LAW...and it was going to make insurance affordable?

RATES went up 30.84%, just got off of the phone with a broker I use and he told me the last two he saw had over 40% increases.

I don't have a lot of reason to try other plans when I know one thats great...

Who cares you are like a far cry from 65? And it isn't like they did anything the other plans don't do...they cover what Medicare doesn't depending on which plan you pick it can cover it all. And they all increase in price as you get older.

Lenore use someone anyone other than AARP. There are loads of other providers for that. I refuse to sell AARP. I get a call every other week offer to appoint me to sell their products. I tell them everytime I have no interest in supporting any company or representing any company with views like theirs.

The AARP plan is a UnitedHealthcare plan. My Dad had it and we were 100% satisfied' date=' he had no bills when he was sick...its cheap. My mother just went on the same plan. I couldn't care less what company "stands for", I care if its good insurance...

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All I am saying is there are other plans that are just as good and are priced just as good. These Medicare Supplment plans just cover what Medicare doesn't cover anyway depending on your plan. I hope they don't give Docs a hard time to get paid for their services?

Paul my interpretation is what I am aware of and what I have read about and have seen covered in the news. Feel free to educate me on what you know about it. I have said all along health insurance is not the problem it is the cost of health insurance that is the problem. So when the government that by the way regulates the insurance companies is going to compete with them using the exchanges and make loads of new rules about what has to be covered, says everyone met be accepted, kids can stay on the parents plans longer, etc I find it hard to imagine the prices are going to go down.

I have discussed a great deal more on here than the exchanges...maybe you just didn't read the whole 4 pages? :;

By the way this isn't about what's in it for me. This is about me as a person in the insurance business that can tell you no one is aware of what is going on with these exchanges. But it is supposed to be up and running soon. This is about a employer that may drop his healthcare plan, and after talking to several small employers they also may do the same. I make little to nothing off of health insurance and do it as a convenience for my customers and actually have started just sending leads to someone else to do it. I could give a !Removed! if I can sell it or not. It is just the fact I don't understand how any logical person can look at the what is to come of this law and not anticipate rates going up. By the way...my wife is a RN, neighbor is a DR, know quite a few DOCS. How many doctors do we have to take care of all of these new patients? That's right. It has nothing to do with me Paul. I just see things a little different. But that is ok that is what makes this country great.

Depends if you are using a dealer or independent repair shop first off. I just had the rotors and pads done on the front, and pads on the rear on my wife's x5 and it was around 780.00. Now that is much better than the $1800 price the dealer quoted and the independent shop used all BMW parts.

Now awhile back I had brakes on my 04 rx330 and just pads only I think on the front and back around $400 but I am not sure it has been a long time ago. This was also using a independent shop.

IMHO, these disscussions have finaly and definatly proven that we know a great deal about nothing, but will die with our sword's in our hand's defending our right to be as proud of being as ignorant as we choose.

My ignorant opinion is that after all this election year assanation attempents, the Affordable Healthcare Bill will stay in place. The entire healthcare fieldhas already, and is preparing for it's further roll out. Most importantly, even though the Republicans say their going to repeal it, what with? They have no bill drafted and if they plan on starting over after the first of the year, given the way Congress has worked these last several years, we would never come up with a healthcare plan.

Paul I think at last count 26 states have already stated they will not implement the exchanges. So you can say what you want but this law even though passed there are still many hurdles. Some states including MD hav been moving full speed ahead on creating the exchanges. since the Supreme Court will not allow the Feds to withhold funding the states don't have to. They don't have to replace it with anything to repeal it either.

I think that we have had a civil debate back and forth. If our elected leaders would do the same maybe we wouldn't be in the situation we are in.

http://newmediajournal.us/indx.php/item/1630?sms_ss=newsvine&at_xt=4ddbd287da7f3854%2C0

Lenore use someone anyone other than AARP. There are loads of other providers for that. I refuse to sell AARP. I get a call every other week offer to appoint me to sell their products. I tell them everytime I have no interest in supporting any company or representing any company with views like theirs.

Welcome to LOC!

I can only relate when it applies to my mother and mother-in-law. They both have the billable medicals bills after medicare. As for myself and my wife we use a HMO (Kaiser Foundation) And I only pay co-pays for both visits and meds. But the fruadulant billing has been experienced with both mothers. There is just too many codes, subjective billing etc. If doctors were allowed to a item list with charges it would be a beneficial education to folks in what they are really paying. Would be interesting to see what the insurance companys charge versus eliminating them.

I am aware of the cost of medical coverage for the year. Cant wait to see what happens when Obama care hits the fan.

Medicare is different. That is why they have supplemental plans to cover that. But Lenore the big problem is here is a government run plan. Here's what you have got. Medicare part A Medicare part B got to make sure to sign up for Medicare Supplment or a Medicare Advantage Plan. Oh by the way want Prescription Drugs? Got to sign up for Part D which has a couple of options (by the way most people in the insurance industry will not sell different plans cover different drugs so you sign someone up for the wrong plan big E and O) by the way did I mention you have Plan a,b,c, f and high deductible f for the supplemental plans?

I have a man who works for me that I send all these too. I will do one here and there but if he is available than they go to him. I understand it but just look at how much BS is involved.

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Kind of funny? Here are three articles telling people how to save money by paying cash. I am sure I can find you loads more. And by the way if the Doc doesn't submit the claim to the carrier than they don't know what he charges.

http://articles.latimes.com/2012/may/27/business/la-fi-medical-prices-20120527

http://guides.wsj.com/health/health-costs/how-to-research-health-care-prices/

http://www.ehow.com/how_2314903_save-hospital-bills.html

And I can imagine there are loads of things that can come up when dealing with the billing getting denied. I have seen some of it first hand. Honestly though I have two kids and they have been to the Doc countless times for you name it. Less than two weeks I have a copy of the EOB that shows what was paid to the Doc. I have had people sit at my desk while I call Carefirst to see why something wasnt paid. Many times it is the way something was billed. Then I call the Docs office or the facility and tell them how the bill should be corrected they resubmit and it is paid. What is funny is how lazy some of the receptionist are...have had this happen a couple of times that they copy the new insurance card and bill the old one.

Now I will admit some carriers are much better pay than others and I can imagine that your mom has loads of BS she has to put up with to collect the money for some of the services. But you can't possibly tell me that the bulk of the claims aren't paid the way they should be. If that is the case there is a problem with the way the bills are being submitted. I still have quite a few individuals on the books and a few groups. It is rare to have a problem with claims getting paid. My own Doc has told me that there are providers he hates dealing with because he feels like he has to pay someone to call on every single bill to get it paid.

I had a small problem myself when my wife had to go to the ER...all over the way the bill was submitted. Took me 1 minute to get it resolved after being on hold for 20 mins with the insurance company. And you know what I had to call the hospital and have them resubmit the claim. Since the entered it in wrong it wasn't going to get paid, they changed it guess what it was paid.

I am not saying your moms experience doesn't mean anything? I have never said that and actualy i am in agreement with you in many cases that the networks will have the lower price but not all of the time. The fact that a Doc is a network provider. DOESN'T MEAN that they can not accept a lower cash price. I know for a fact that there are Docs that will accept a lower payment when someone is paying cash than when they bill the insurance company. Not for all services and not all Docs.

As far as the billing Steve they know they are getting the money so what I am saying is when they get their co pay or the deductible they know they will get paid the allowable charges from the insurance company.

Steve we can go back and forth on this until Obama's voted out and the law has been repealed! :) however I don't think we are going to ever agree. It's fine. I don't think you or I know exactly how this law is going to effect everything. But if you think it won't change your insurance call me when your group renewal comes in and let me know if it went up. If the law isn't repealed call me next year when you get that renewal. That is the feedback that I am getting regarding small groups in MD.

Now why is it ok for the companies to get waivers?

Welcome to LOC!