{"id":34721,"date":"2010-02-22T01:01:01","date_gmt":"2011-05-19T01:20:23","guid":{"rendered":""},"modified":"2011-05-19T01:20:23","modified_gmt":"2011-05-19T01:20:23","slug":"stacy_our_health_insurance_guru","status":"publish","type":"post","link":"https:\/\/admin.rushlimbaugh.com\/daily\/2010\/02\/22\/stacy_our_health_insurance_guru\/","title":{"rendered":"Stacy, Our Health Insurance Guru"},"content":{"rendered":"
\n

RUSH: I want to go to Stacy now, who is on hold from Georgia. Stacy, it\u2019s great that you got back in again. I\u2019m glad to hear from you.<\/p>\n

CALLER: Dittos, Rush! How are you?<\/p>\n

RUSH: Very well. Thank you.<\/p>\n

CALLER: Well, listen, I printed off this monstrosity. At least it didn\u2019t take me 2,000 pages, but I printed it off about an hour ago and have been flipping through it, and I could go for hours on this, but my general sense overarching: The very largest and very strongest private health insurers will survive maybe ten years under this plan. Let me explain to you why. We talked last time about HSAs.<\/p>\n

RUSH: Yeah. Let\u2019s define the term: Health Savings Accounts. Right.<\/p>\n

CALLER: Exactly. This, quote, unquote, ‘plan\u2019 virtually eliminates HSAs. It will eliminate HRAs, Health Reimbursement Accounts, and some of the FSA provisions as well. It also makes a mockery of this nonsense that you get to keep your plan if you want it. So, sorry. But if you look —<\/p>\n

RUSH: This is what I mean. Stacy, this guy is not grounded in reality. There\u2019s not a soul in the world that believes they\u2019re going to be able to keep their plan. There\u2019s no need for this if you get to keep your plan. If there\u2019s no government or public option — which is also BS. This is one scary bill. It just scary. We have somebody who is not grounded in reality. He\u2019s living in his own world.<\/p>\n

CALLER: Well, and he certainly knows nothing about health insurance. If you look at —<\/p>\n

RUSH: He doesn\u2019t know anything about anything, Stacy!<\/p>\n

CALLER: Yeah.<\/p>\n

RUSH: This is the point. He\u2019s a community irritator, agitator. He doesn\u2019t know diddly-squat. All he knows is what Harvard taught him which apparently also included how to say ‘ax.\u2019<\/p>\n

CALLER: Please don\u2019t do that. (giggles) That gets on my nerves. Oh, please don\u2019t do that. Anyway, let\u2019s talk about there\u2019s a paragraph on page three: ‘Strengthen Oversight of Insurance Premium Increases.\u2019<\/p>\n

RUSH: Yeah?<\/p>\n

CALLER: Basically the feds and the state are going to have the ability to tell insurance companies what they can charge for premiums. But, if you look in the extended consumer protections against self-insure practices provision, you\u2019ll see that we\u2019ll be required to cover adult dependents up to age 26, apparently without any student regulations or anything to that effect. So you could theoretically have a 26-year-old with three children who\u2019s married still be on my insurance plan because she\u2019s under 26.<\/p>\n

RUSH: Right. But the point —<\/p>\n

CALLER: We also have no annual or lifetime lapses. I\u2019m sorry, I lost it. Where did it go?<\/p>\n

RUSH: Let me step in here because you\u2019re an insurance agent. What that all means is… By the way, is it ‘insur-ance\u2019 or ‘IN-surance\u2019? How do you prefer it be pronounced? <\/p>\n

CALLER: I am an insurance business analyst. What I do is I compare. I take the business requirements and determine how to automate those through computers.<\/p>\n

RUSH: Okay, ‘insur-ance\u2019 analyst.<\/p>\n

CALLER: Yeah.<\/p>\n

RUSH: Now, what occasion the government is forcing insurance companies to ensure all of these people regardless of preexisting conditions and then on the back end of that is going to tell \u2019em what they can\u2019t charge? Your first comment rings true: This is a disguised attempt to wipe \u2019em out. The only question is: How long is it going to take.<\/p>\n

CALLER: I think it will be ten years. Like I said, for the largest companies it will be ten years. Now, let\u2019s also talk about Med Advantage. You know, the ‘gator aid\u2019 was exempting Florida from the Med Advantage revocation. Over on page eight, the first paragraph, you\u2019ll see where Obama (or Emanuel or whoever wrote this nonsense) said that Med Advantage is ‘a very profitable line of business.\u2019 I don\u2019t know what fantasyland that person\u2019s living in. We barely make enough to cover expenses on our Med Advantage plans.<\/p>\n

RUSH: By the way, you should know: Stacy retreats to one of the few remaining phone booths in America to make this phone call.<\/p>\n

CALLER: (giggling) But I mean it\u2019s just insane. It\u2019s craziness what he\u2019s talking about. So one: We don\u2019t make a lot of money for it. But then he turns around and says that they\u2019re going to force us to go to fee-for-service reimbursement rates. So let me explain to you what that is. A fee for service is where you tell the doctor, ‘I\u2019m going to pay you $20 for an office visit.\u2019 Okay? That fee for service.<\/p>\n

RUSH: Who\u2019s telling the doctor? The insurance company\u2019s telling the doctor that or the government?<\/p>\n

CALLER: Well, that\u2019s the government\u2019s Medicare plan.<\/p>\n

RUSH: Okay.<\/p>\n

CALLER: That\u2019s what they do, okay?<\/p>\n

RUSH: Yeah, yeah, yeah, yeah, yeah.<\/p>\n

CALLER: So what we do in our networks — we have networks, we have providers — we say, ‘You know, it costs you $50 generally to do a visit. How about if we pay $45 so you\u2019ll be in-network and you\u2019ll get a lot more people.\u2019 The government, the reason they created Med Advantage to begin with was that providers were not taking Medicare. A Medicare patient could not get a visit because the fee for service was so ridiculously low, it wasn\u2019t worth it. So they created Med Advantage in large part to get access to our provider network.<\/p>\n

RUSH: So they\u2019re just making it worse? They got a problem be the working they come up with a solution that just makes it worse?<\/p>\n

CALLER: Well, now, Rush, Med Advantage has been very successful in access for these seniors, particularly ones with preexisting conditions.<\/p>\n

RUSH: It wouldn\u2019t… My point is — Stacy, I love you and your expertise here; I really do, and I enjoy hearing from you on the guts of this stuff. But let\u2019s take what you just said: Med Advantage. Why did we need it? We needed it because a previous government attempt to make something work didn\u2019t.<\/p>\n

CALLER: Yes, sir.<\/p>\n

RUSH: So we didn\u2019t need Med Advantage. We needed Get the Government Out!<\/p>\n

CALLER: I agree.<\/p>\n

RUSH: Get the person who\u2019s screwing it up out of the equation, out of the assembly line.<\/p>\n

CALLER: I agree.<\/p>\n

RUSH: Get it out of there. We\u2019re just adding more and more and more and more to it. And I think at some point, whereas — you know, this is your business, this is your nuts and bolts — you have to look at the specifics of this on the scary idea that it passes. But somebody like I, oriented toward defeating it, can\u2019t get bogged down in the minutia here.<\/p>\n

CALLER: I\u2019m sorry.<\/p>\n

RUSH: No, no, no, no, no, no, no. Please, I am not being critical.<\/p>\n

CALLER: Well, let me bring you up a bit then. How about that?<\/p>\n

RUSH: You\u2019re doing great. I\u2019m personally going to attack the ideology of this and the basic structure and the premise behind it, and screw the details. But go ahead. In fact, let me take a break here because I do want to hear more of what you have to say about it because this is the best way I will have. I\u2019d much rather listen to you than have to read this crap. Hang on.<\/p>\n

BREAK TRANSCRIPT<\/p>\n

RUSH: Back to Stacy in Georgia. She is an insurance analyst, and she\u2019s giving us her lowdown, the first-glance look at the plan Obama actually posted at WhiteHouse.gov today. Welcome back, Stacy.<\/p>\n

CALLER: Hey, Rush, have you read page five yet?<\/p>\n

RUSH: Like I told you, I can\u2019t read this stuff. I know the first seven pages are like a Robin Hood summary, and then it really gets ugly. Tell us about page five.<\/p>\n

CALLER: Listen to this sentence: ‘The President\u2019s Proposal builds on those provisions by incorporating a number of additional proposals that are either part of the Administration\u2019s FY 2011 Budget Proposal or were included in Republican plans.\u2019 It says that!<\/p>\n

RUSH: Well, I\u2019ve heard that. They\u2019re trying to incorporate some so-called Republican shreds of proposals in this to try to get the bipartisanship to play out.<\/p>\n

CALLER: Okay, well —<\/p>\n

RUSH: It\u2019s BS.<\/p>\n

CALLER: Let me tell you why I\u2019m reading page five. This is where all the databases come into play. And if you read page five, you\u2019ll see that anybody who is participating in a federal health program see your insurance exchanges which, by the way, is not fleshed out at all in this document, that means that every claim that is submitted on your behalf is going to go into this database, and supposedly they\u2019re going to use it to look for fraud and abuse, quote, unquote.<\/p>\n

RUSH: Hm-hm.<\/p>\n

CALLER: So all you privacy lover advocates out there, good luck with that. And they also have a nifty little provision about limiting Medicaid — now, mind you they want to expand Medicaid to cover everybody, but they\u2019re going to limit drug access, high cost drugs are going to be looked at and denied. So I\u2019m floored, Rush. <\/p>\n

RUSH: You can\u2019t possibly be floored, Stacy, you had to expect this.<\/p>\n

CALLER: Well, I expected it, but not in such an idiotic — I mean, my 12th grader could write better than this. I mean it is so full of internal contradictions you can\u2019t process it all. I\u2019m wasting my lunch break sitting here reading this nonsense —<\/p>\n

RUSH: Stacy. I mean, I hate to be doctor reality here, but they don\u2019t care what you think.<\/p>\n

CALLER: I know they don\u2019t.<\/p>\n

RUSH: They don\u2019t care what you think of the contents, they don\u2019t care what you think of the structure, they don\u2019t care whether a 12-year-old could grade it, read it, or otherwise.<\/p>\n

CALLER: But, Rush, they\u2019ve got me in the crosshairs. That\u2019s another thing that\u2019s really griping me about this is, is that my company employs about 15,000 people all told. If this goes through, that\u2019s 15,000 people that would have no jobs and we are a high-tech industry, believe it or not, health insurance is a very high-tech industry. It pays extraordinarily well for the technical expertise and they\u2019ve got me in the crosshairs, and I just don\u2019t know what to say. Although I will say this. I certainly hope one of these Republicans who\u2019s going to go traipsing up there and try to play the bipartisan nonsense realizes, he\u2019s saying that their proposals are in here, but in looking at it, I haven\u2019t seen one yet except the tax break for people who buy their own insurance. That\u2019s it.<\/p>\n

RUSH: Yeah. And that won\u2019t survive when they take this to legislation.<\/p>\n

CALLER: Oh, no.<\/p>\n

RUSH: ‘Cause what you\u2019re reading from is not legislation. It\u2019s just an outline, it\u2019s just a suggestion. It\u2019s basically just so Obama can say, ‘Here\u2019s my plan. People say I don\u2019t have a plan, I\u2019ve always had a plan, here it is.\u2019<\/p>\n

CALLER: Next time you say something, just think, maybe we don\u2019t want him to have a plan because this takes the worst of the House —<\/p>\n

RUSH: I didn\u2019t — (crosstalk)<\/p>\n

CALLER: — into one.<\/p>\n

RUSH: I didn\u2019t want him to have a plan, I was pointing out that he didn\u2019t have a plan.<\/p>\n

CALLER: I know, I know.<\/p>\n

RUSH: Stacy.<\/p>\n

CALLER: I love you, Rush.<\/p>\n

RUSH: Stacy. You are not the only person in the crosshairs. My point is we all are.<\/p>\n

CALLER: Exactly.<\/p>\n

RUSH: We\u2019re all in the crosshairs. This man and his administration are gunning for everybody who has had —<\/p>\n

CALLER: Oh, yeah.<\/p>\n

RUSH: — success, wants to have success, and they want to shut down, you know, Fairness Doctrine, radio, TV, they want to do these kinds of things. Look at what they\u2019re doing with the economy, they\u2019re destroying it, all this debt. I mean even people who are not even conceived yet, people who are not even thoughts in their future parents\u2019 minds are in the crosshairs of this administration. And this is a warning bell that I, El Rushbo, having ringing and sounding here for the past year.<\/p>\n

CALLER: Well, Rush, guess what? Part of the — where I\u2019m talking about they\u2019re getting rid of the HSAs, they have an interesting phrase that says: ‘prohibit discrimination in favor of highly compensated individuals.\u2019 Now, I don\u2019t know who\u2019s discriminated against based on somebody else\u2019s paycheck, but I have a feeling that when that gets into legislation you\u2019re going to see some really ugly stuff going on.<\/p>\n

RUSH: Of course you know what that means.<\/p>\n

CALLER: No, I don\u2019t. Tell me. What does it mean?<\/p>\n

RUSH: It means the rich are going to stop getting all the good stuff. This is income redistribution. This is returning the nation\u2019s wealth to its, quote, unquote, rightful owners. This is a civil rights bill. This is reparations, whatever you want to call it.<\/p>\n

CALLER: But, Rush, you know, I know insurance policies. We have nothing whatsoever, no benefit structure based on what somebody\u2019s annual salary is.<\/p>\n

RUSH: Exactly! It\u2019s why this is not about health care, Stacy, it\u2019s about income redistribution and class envy and getting people who can\u2019t read this to think it\u2019s going to be good for them because rich people are going to get stuck again. I gotta go. I\u2019m over time. But I\u2019m glad you called. Don\u2019t doubt me.<\/p>\n

BREAK TRANSCRIPT<\/p>\n

RUSH: Steve in Lafayette, Louisiana, as we go back to the phones. It\u2019s great to have you here. Hello, sir.<\/p>\n

CALLER: Oh, what an honor. I love this show, Rush. You got a business analyst for the insurance companies whose sole purpose is to maximize profit for the insurance, telling us how to run health care. I love it.<\/p>\n

RUSH: Well, I\u2019m glad you saw it that way.<\/p>\n

CALLER: I called to tell you, I finally agree with you. I mean it\u2019s been a long time since I have agreed with you, ten years. And I agree, the Republicans should not show up to the health care conference, absolutely not.<\/p>\n

RUSH: Oh, really? Share with me your wisdom in arriving at this conclusion.<\/p>\n

CALLER: Well, they have no ideas to present there, they will embarrass themselves absolutely again. The only thing they have is the Rush Limbaugh cash payment plan for health care, and they also have medical savings plan, which a —<\/p>\n

RUSH: Let me see — (crosstalk)<\/p>\n

CALLER: — $35,000 a year —<\/p>\n

RUSH: Here we go.<\/p>\n

CALLER: — never save enough money — <\/p>\n

RUSH: Steve.<\/p>\n

CALLER: — for surgery.<\/p>\n

RUSH: Steve, nice try, may man, but you just crossed the line out there. All I do when I pay for my own health care is accept personal responsibility for it and not assume that you are going to pay for it for me. All I do is not be a burden to my fellow citizens, and you have just told me that\u2019s not an idea. By the way, the Republicans will never propose that. They don\u2019t have the guts that I have. But they would never propose that and they haven\u2019t proposed that. What we\u2019re trying to do is reduce costs, Steve. Obama\u2019s plan doesn\u2019t. It\u2019s sad, because you\u2019re smart enough to make, you know, smart-alecky jokes, you ought to be smart enough to figure out that you are unwittingly participating in the destruction of this country by supporting this stuff. But the day when we arrive at the point where somebody taking care of him or herself without being a burden on anybody else, is not good or is outta touch, or is a problem, then we really do have a problem. And I fear that we\u2019re there, Steve. I fear that we are there. But we\u2019re not going to give up. I still am going to continue to work on trying to persuade people like you. And trust me, despite Obama\u2019s efforts here, I\u2019m not quitting until everybody agrees with me, and that includes you. <\/line><\/p>\n","protected":false},"excerpt":{"rendered":"

RUSH: I want to go to Stacy now, who is on hold from Georgia. Stacy, it\u2019s great that you got back in again. I\u2019m glad to hear from you. CALLER: Dittos, Rush! How are you? RUSH: Very well. Thank you. CALLER: Well, listen, I printed off this monstrosity. 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At least it didn\u2019t take me 2,000 […]\" \/>\n<meta name=\"twitter:image\" content=\"https:\/\/live-rush-limbaugh.pantheonsite.io\/wp-content\/uploads\/01125110.Par.89380.ImageFile.jpg\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"13 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebSite\",\"@id\":\"https:\/\/admin.rushlimbaugh.com\/#website\",\"url\":\"https:\/\/admin.rushlimbaugh.com\/\",\"name\":\"The Rush Limbaugh Show\",\"description\":\"Excellence In Broadcasting\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/admin.rushlimbaugh.com\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"ImageObject\",\"@id\":\"https:\/\/www.rushlimbaugh.com\/daily\/2010\/02\/22\/stacy_our_health_insurance_guru\/#primaryimage\",\"inLanguage\":\"en-US\",\"url\":\"https:\/\/live-rush-limbaugh.pantheonsite.io\/wp-content\/uploads\/01125110.Par.89380.ImageFile.jpg\",\"contentUrl\":\"https:\/\/live-rush-limbaugh.pantheonsite.io\/wp-content\/uploads\/01125110.Par.89380.ImageFile.jpg\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.rushlimbaugh.com\/daily\/2010\/02\/22\/stacy_our_health_insurance_guru\/#webpage\",\"url\":\"https:\/\/www.rushlimbaugh.com\/daily\/2010\/02\/22\/stacy_our_health_insurance_guru\/\",\"name\":\"Stacy, Our Health Insurance Guru - The Rush Limbaugh Show\",\"isPartOf\":{\"@id\":\"https:\/\/admin.rushlimbaugh.com\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.rushlimbaugh.com\/daily\/2010\/02\/22\/stacy_our_health_insurance_guru\/#primaryimage\"},\"datePublished\":\"2011-05-19T01:20:23+00:00\",\"dateModified\":\"2011-05-19T01:20:23+00:00\",\"author\":{\"@id\":\"https:\/\/admin.rushlimbaugh.com\/#\/schema\/person\/911066e449df26406b107ca78cbbde0b\"},\"breadcrumb\":{\"@id\":\"https:\/\/www.rushlimbaugh.com\/daily\/2010\/02\/22\/stacy_our_health_insurance_guru\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.rushlimbaugh.com\/daily\/2010\/02\/22\/stacy_our_health_insurance_guru\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.rushlimbaugh.com\/daily\/2010\/02\/22\/stacy_our_health_insurance_guru\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.rushlimbaugh.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Stacy, Our Health Insurance Guru\"}]},{\"@type\":\"Person\",\"@id\":\"https:\/\/admin.rushlimbaugh.com\/#\/schema\/person\/911066e449df26406b107ca78cbbde0b\",\"name\":\"admin\",\"image\":{\"@type\":\"ImageObject\",\"@id\":\"https:\/\/admin.rushlimbaugh.com\/#personlogo\",\"inLanguage\":\"en-US\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/f18195e0073013fa0e16b040686c2924?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/f18195e0073013fa0e16b040686c2924?s=96&d=mm&r=g\",\"caption\":\"admin\"},\"url\":\"https:\/\/admin.rushlimbaugh.com\/daily\/author\/admin\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Stacy, Our Health Insurance Guru - The Rush Limbaugh Show","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.rushlimbaugh.com\/daily\/2010\/02\/22\/stacy_our_health_insurance_guru\/","twitter_card":"summary","twitter_title":"Stacy, Our Health Insurance Guru - The Rush Limbaugh Show","twitter_description":"RUSH: I want to go to Stacy now, who is on hold from Georgia. Stacy, it\u2019s great that you got back in again. I\u2019m glad to hear from you. CALLER: Dittos, Rush! How are you? RUSH: Very well. Thank you. CALLER: Well, listen, I printed off this monstrosity. 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