{"id":35055,"date":"2010-04-01T01:01:01","date_gmt":"2011-05-19T01:10:25","guid":{"rendered":""},"modified":"2011-05-19T01:10:25","modified_gmt":"2011-05-19T01:10:25","slug":"callers_report_higher_premiums","status":"publish","type":"post","link":"https:\/\/admin.rushlimbaugh.com\/daily\/2010\/04\/01\/callers_report_higher_premiums\/","title":{"rendered":"Callers Report Higher Premiums"},"content":{"rendered":"
\n

RUSH: We\u2019ll go to Lancaster, Pennsylvania. Ed, thank you for waiting. Welcome to the program.<\/p>\n

CALLER: Hey, mega car buying dittos, Rush. An honor to talk to you.<\/p>\n

RUSH: Thank you, sir.<\/p>\n

CALLER: Hey, I just want to comment, I work in the financial and insurance field, and one of the things that I see in e-mails that come back and forth from wholesalers and stuff that talk to these insurance companies, and they\u2019re already saying the first phase of adding children to these plans and putting all these guaranteed issues on is at least going to raise premiums in the next six to eight months at least ten to 15% to start with. And where\u2019s all these savings coming up that they\u2019re talking about — <\/p>\n

RUSH: There\u2019s one problem with that. That\u2019s eventually going to be true, but it isn\u2019t true now because the Democrats left that out of the bill. Remember we had this last week. Guaranteeing children\u2019s coverage who have preexisting conditions doesn\u2019t go into effect until 2014. Obama is out there touting it as though it\u2019s immediate but it\u2019s not in the bill. They\u2019re going to have to go in and do some kind of a — I don\u2019t know what kind of fix to put it back in, but it\u2019s not going to be a technical fix. I mean they\u2019re gonna have to rewrite the law. They can\u2019t just go in and say, ‘Oh, we meant immediately,\u2019 and scratch out 2014 and put — (interruption) Sebelius said they\u2019re gonna do an executive order? Well, okay. Why, of course. We\u2019re not a democracy anymore, what the hell. I apologize, folks. I\u2019m an American, you know, I\u2019m not used to things the way we\u2019re doing \u2019em now, and yeah, of course, executive order. So your insurance agent is right, when that happens, there\u2019s no way premiums can do anything but go up. <\/p>\n

Look, folks, I don\u2019t know if people understand what health insurance is. I think people don\u2019t understand, even some of these people in Washington do not understand what insurance is. Nobody can insure their health. You can\u2019t do it. It\u2019s not possible. And that\u2019s not what you\u2019re buying, you\u2019re not insuring good health. When you have health insurance you theoretically are insuring yourself against the risk of a catastrophic event or accident. Same thing with your homeowners, same thing with an automobile. You\u2019re insuring yourself against something catastrophic. And the higher deductible you pay, theoretically the lower your premium. Well, health insurance has now become just nothing more than a public utility. And if you can wait until you get sick or crash the car to insure yourself and get full coverage, you\u2019re not talking insurance, you\u2019re talking private sector subsidies, which can\u2019t work. Private sector can\u2019t subsidize anything, goes out of business. And the private sector cannot compete with government because government does not have to show a profit. So we\u2019re all headed to single payer. Preexisting condition. <\/p>\n

You know, if you\u2019re driving your car, and you have an insurance policy, and you have a wreck and it\u2019s your fault, your premium goes up. A lot of people don\u2019t like it, but it\u2019s business. It\u2019s the way it works. You have become a greater risk, pure and simple. The statistics don\u2019t lie. Kids, you give them a car or driver\u2019s license, age 16 or 17, the statistics are that they\u2019re going to have a bunch of wrecks. It\u2019s gonna cost more to insure your kids than it will you, and if your kid has an accident then look out because the premium\u2019s going to skyrocket even more. And everybody understands why. Now, people still get mad when it happens. ‘All it took was one wreck and they canceled me, one wreck, I had to go to another insurance company.\u2019 Well, you found one. <\/p>\n

Now, a preexisting condition, what is a preexisting condition? A preexisting condition is terminal cancer. You want to insure somebody against terminal cancer. You\u2019re not insuring anybody anything. You\u2019re simply going out and making somebody else pay for your treatment. Now, if an insurance company is mandated by law to cover your treatment, even though you have an identifiable disease, and that treatment is going to be very expensive, I\u2019m sorry, the premium is going to be very high because somebody has to pay for your treatment. Somebody has to and eventually where we\u2019re headed here is that your neighbors, all of our neighbors, all of our taxpayer friends, those who work and pay taxes are going to pay the brunt of it, those who don\u2019t work and don\u2019t pay taxes are going to get all the coverage, by design, returning the nation\u2019s wealth to its rightful owners. <\/p>\n

Amery, Wisconsin, and Jay, you\u2019re next on the EIB Network. Hello.<\/p>\n

CALLER: Hello, Rush. It\u2019s a pleasure to talk to you.<\/p>\n

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

CALLER: Give you a little background, I have a small construction company, and we received notice this week, and I don\u2019t know if we\u2019re on an island out here or not, but our health insurance policy is going to go up 54%, and that renews in June.<\/p>\n

RUSH: Your insurance company sent you this notification?<\/p>\n

CALLER: Yes.<\/p>\n

RUSH: Did they tell you why? <\/p>\n

CALLER: No. We have a healthy group, we don\u2019t have any problems, so, you know, it can\u2019t come from that direction. The only thing that I can imagine is they\u2019re just anticipating their costs going up and this is the start of what\u2019s going to happen.<\/p>\n

RUSH: Well, you see what\u2019s going to happen here is that once these kind of things are learned by people like Nancy Pelosi and Henry Waxman they\u2019re going to say that there\u2019s no reason for this, that Obamacare, the health care legislation lowers cost, that this is just the greedy insurance companies taking advantage of this and trying to fool people because the Republicans have put out the word that this is an Armageddon type thing, and they want to turn everybody against their insurance company so that the private insurance industry ceases to exist in a few years. Fifty-four percent increase. You ought to ask \u2019em why, just as a curiosity. They\u2019ll tell you. Ask \u2019em why.<\/p>\n

CALLER: We\u2019re asking. We haven\u2019t received an answer yet. I guess it takes \u2019em time. I don\u2019t know.<\/p>\n

RUSH: Well, how long has it been since you requested a reason?<\/p>\n

CALLER: Three days.<\/p>\n

RUSH: Oh, that\u2019s nothing. They might not have gotten to it yet. Did you ask \u2019em on the phone or ask \u2019em by written communication?<\/p>\n

CALLER: Well, I asked them on the phone. When I received the notice I was pretty quick to jump on the phone.<\/p>\n

RUSH: Yeah, and they said they\u2019ll get back to you?<\/p>\n

CALLER: Yep.<\/p>\n

RUSH: I\u2019d sure like to know what they say when they get back to you. Snerdley\u2019s going to get your phone number if you don\u2019t mind.<\/p>\n

CALLER: No, that\u2019s fine.<\/p>\n

RUSH: We\u2019re going to check in with you periodically because I want to find out what they tell you as to why you\u2019re getting a 54% increase. It may have nothing to do with health care. It may be that they\u2019ve lost a bunch of people that they also insure, that their pool has gotten smaller, and that they have to charge everybody else remaining in the pool a little bit more, could be any reason at all. And it could also be that they\u2019re crooks, which is what Obama is going to try to portray them as. I just want to hear what they have to say. <\/p>\n

BREAK TRANSCRIPT<\/p>\n

RUSH: I missed this in trying to catch up with show prep for today. It\u2019s yesterday from Life and Health Insurance News: ‘The health insurance industry has agreed to comply with a provision of the health care reform law requiring them to provide insurance to children with pre-existing medical conditions within 6 months.\u2019 So the caller was right. I was not wrong, I was just uninformed, but now I am properly informed. ‘The industry is doing so even though some of its lawyers dispute the scope of the provision in the law as interpreted by Congress and the administration. Health insurers\u2019 view — supported by the National Association of Insurance Commissioners as well as healthcare lawyers and consultants — is that the provision mandating that insurers allow parents to buy coverage for children with preexisting conditions doesn\u2019t kick in under the law until 2014,\u2019 but look, we didn\u2019t mean that. They meant it to happen pretty soon so we\u2019re going to go ahead and do it. <\/p>\n

‘In a letter to Kathleen Sebelius, secretary of the Department of Health and Human Services, America\u2019s Health Insurance Plans said in a letter dated March 29 that it will comply with the administration\u2019s interpretation of the provision.\u2019 Now, this group, they\u2019re all in. The health insurance industry, by the way, has pretty much now bought into Obamacare and a lot of people, ‘Why? I mean, he\u2019s targeting them for destruction.\u2019 Look, folks, they know it, but this is called protection. If the insurance companies fight Obama on this they\u2019re not going to have time to make a quick buck and get out in time. He has told them, he has targeted them and they know full well. It\u2019s like trying to get the drug companies on board for health care. You promise them a bunch of goodies, ‘We won\u2019t hit you as hard if you become our allies in this.\u2019 And that\u2019s basically what they told the insurance companies. So it\u2019s trying to be the last one eaten by the alligator, that\u2019s just what they\u2019re doing here. That\u2019s why I\u2019m going to really be interested to see what these CEOs say to Waxman when they get up there on April 21st. <\/p>\n","protected":false},"excerpt":{"rendered":"

RUSH: We\u2019ll go to Lancaster, Pennsylvania. Ed, thank you for waiting. Welcome to the program. CALLER: Hey, mega car buying dittos, Rush. An honor to talk to you. RUSH: Thank you, sir. 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