MOGicantbewitty

MOGicantbewitty t1_iw2xkr3 wrote

Yes, I’m so aaaangry. Now you’ve really proved me wrong. Lmao

Those plans every single one of them has a maximum benefit of $1000 a year. MAX! Plus deductibles. And at best cover preventative care and 40-50% of other dental care. Including fillings. But only up to $1000. That’s it’s.

And you STILL didn’t prove that’s what you pay. Nor that the new law wouldn’t make it better.

Go away shill. You lost and you still haven’t shown me anything that backs up your argument. Bye!

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MOGicantbewitty t1_iw0365l wrote

Moving the goalpost there real nice.

I want peer reviewed studies showing that the 83% rule leads to unsustainable premium increases. Not an opinion column whose citations include showing the Medicaid costs went up after chiropractic services were added. You didn’t read it.

But go ahead, wait a year. Then come on back and show me how the dental plans in MA are worse. Even use the remind me! bot. Bc I’m done. You aren’t engaging in good faith and I’m bored. Bye!

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MOGicantbewitty t1_ivzre37 wrote

It’s funny how I provided evidence, but you won’t. Probably because the evidence supports that premiums will not go through the roof. we don’t need to wait a year to see what happens, there’s already data that shows what happens when we pass these kinds of laws. It’s also weird that you were completely interested in debating this point until I asked for evidence and provided some of my own. But it’s cool, you can wait a year to see that I was right

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MOGicantbewitty t1_ivzpows wrote

Here is an article for HR folks about increases in premiums.

Look at the graph based on Dept of Labor statistics showing the increases in total insurance costs. The premiums had a huge spike around 2000, and then dropped substantially and regularly after the ACA (Obamacare) was passed. Even now, premium increases are out paced by inflation. And that’s not considering the added costs to health care with an aging population. The Boomers are getting older and sicker. So, premiums HAVE GONE DOWN since the same law was instituted for health care. Why would it be different for a voluntary insurance that most people wouldn’t need if the premiums got higher than preventative care cost. Please… show me

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MOGicantbewitty t1_ivzmiip wrote

Except that people won’t buy dental insurance that doesn’t make sense for them. And you can’t make a profit if you can’t sell a product. People who need more expensive work can buy the insurance but it won’t make them a profit

Weird how the same requirements have worked for health insurance… but won’t for dental? An unnecessary insurance?

If you can predict how this law will lead to unsustainable premium increases, can you show evidence of where it’s happened before? Peer reviewed studies… NOT just your words. Because you do keep saying the same thing but ignoring the fact that people will drop plans that don’t work for them, AND that it’s worked well for health insurance. Please provide evidence to support your assumed assertions. Otherwise it means nothing

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MOGicantbewitty t1_ivzc8tx wrote

What happened to the free market? If costs go up so much, it will be cheaper to just pay for the dental work, and people won’t buy the insurance.

You do realize that they are required to spend 83% of the premiums on services right? Because if premiums go up, the paid for services just as well. You really don’t get this

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MOGicantbewitty t1_ivwq02q wrote

It’s not that the state doesn’t need more funds, it’s that the tax laws for this state limited the amount to collect. Since the state collected more than that amount, it’s being sent back. But they DO need more money to provide services. Question 1 allows for that. And even if it didn’t, it would make the rich in MA pay a more equal percentage of their income as they traditionally have paid much less per dollar income than middle class households. It would also ensure that any refunds would go to people who are in the middle or lower income ranges, rather than the taxes being avoided through tax loopholes for the rich.

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MOGicantbewitty t1_ivw9qae wrote

So you pay $1500 a year. For what? $75 for an annual exam? X rays every couple of years for $250 every two years? So you spend $1500 a year to get $200 a year in preventative care? What’s your co-pay for that? How much do they cover in other services?

Seriously, come with numbers and proof of those numbers or GTFO. Because you STILL haven’t provided anything but your bullshit word.

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MOGicantbewitty t1_ivw8xn0 wrote

Prove it. Show me the paystubs with your address and name blanked. But you better leave the zip code since you are pretending to be from Great Barrington. Or link to the plan. Because you are a liar

Your word means nothing. Evidence is publicly available. Or you could provide your own individual evidence blanking out identifying information. Do it or fuck off. Because you’re a goddamn liar

And show me what benefits you are eligible for at that price. Because it’s nothing more than a scam

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MOGicantbewitty t1_ivv6yq9 wrote

Yup. I am a typical Redditor. I know how easy it is to provide evidence. But you refuse to… because you can’t. Honestly, embarrass me! Prove me wrong!

Lmao…. If you can’t stand the typical Redditor this much, then maybe you don’t belong here. Because we all expect evidence. We aren’t stupid, we know what astroturfing is we know what paid shills look like, and we know what trolls look like. This isn’t Facebook. Try somewhere else if you think you can do better.

Or prove me wrong. With evidence besides your invaluable word

Really… prove to me that those numbers ACTUALLY exist.

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MOGicantbewitty t1_ivuc2oz wrote

Prove it. Show me ONE dental plan in MA that has existed for 50 years that costs less than $5 a week and covers enough to only pay $30 a year in co-pays.

There isn’t one, you big fat lying shill. Get the fuck out of here because you already lost.

There has been no plan available in Massachusetts for 50 years that cost less than five dollars a week and covers everything. Prove it or you’re a big fat lying shil.

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MOGicantbewitty t1_ivq0iw0 wrote

What convinced you that it was better to let insurance companies have no regulation in the amount of profit they can make? Like, how do you think an arbitrary number like 83% is worse than letting dental insurance companies charge more in premiums than they actually cover and services annually? Most dental insurance plans charge incredibly high premiums, and you can’t even begin to get major work done until at least the second or third year, by which time unless you’ve paid more in premiums than you are eligible for in the 50-65% coverage in services.

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