The Conservative Cave
Current Events => The DUmpster => Topic started by: SSG Snuggle Bunny on October 08, 2013, 10:58:29 PM
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The Straight Story (45,181 posts)
Credit scores impacting new Affordable Care Act insurance plans
ORLANDO, Fla. -
Many people signing up for health care in Florida through the Affordable Care Act have been shocked when they have to give proof of their credit score before they finish the process.
Anne Packham, one of many people licensed by the state to help people navigate the government's website, said on Tuesday that the credit check occurs so providers can make an educated decision about who to insure.
"If someone is defaulting on all of their bills they may not want to have them as part of their health plan," said Packham, the lead Navigator in Florida.
Participants with low credit scores could end up paying higher premiums, according to Packham, who said that ultimately the insurance company makes the call.
The government website healthcare.gov has regularly been bogged down, oftentimes showing users a message saying, "We have a lot of visitors on the site."
http://www.clickorlando.com/news/credit-scores-impacting-new-affordable-care-act-insurance-plans/-/1637132/22341034/-/l0jmq3z/-/index.html
Smokers, obese folks, those who have credit issues all cost insurance companies extra money and should pay more I guess. Sounds legit.
PoliticAverse (7,272 posts)
2. Also could be used by them as a sort of way around the prexisting condition exclusion. n/t
Ya think!
Marrah_G (23,970 posts)
5. I think No insurance company should be able to use credit scores.
I was furious when I found out my car insurance made me pay more because of it. The poor get screwed every which way .....
Spoken like a true deadbeat.
NYC_SKP (53,368 posts)
6. This might be more deliberate misinformation. Is Anne Packham really in a place to know?
She sounds kind of unsure of her own "facts".
What else could it be?
gopiscrap (6,802 posts)
8. that's ****ing bullshit
there should never be a credit score involved in health care
There is now.
Oh, and by the way...
IT'S THE LAW!
darkangel218 (7,463 posts)
22. Youre wrong.
They are using Experian only to verify identity. There is no coleration between someone's credit score and premiums.
Does anyone know WTF "coleration" means?
Zorra (20,567 posts)
24. We need Canadian style universal healthcare, end of story. **** Experian, **** private
health insurance companies, and **** the government for not telling us about this bullshit beforehand.
It's time for a class action lawsuit.
The government may be able to force us to get insurance or pay a fine, but they cannot force us to have our privacy invaded by a private credit rating corporation in order to buy that insurance.
BTW, my credit score is over 800. This is a matter of principle.
IT'S THE LAW!
NoOneMan (3,023 posts)
26. Can you handle $0 deductible. 0% copay. Everyone getting equal care regardless of pedigree?
No fancy health insurance commercials and shiny logos? No marketplace to shop in?
Could you handle that?
I'm not sure. I mean, the glorified improved system codifies tiers in society and health outcomes. I'm not sure Americans are ready for sanity
And this has occurred...never
Politicalboi (10,478 posts)
27. So if you're poor and haven't had health care
And had no money to pay your bills, you are going to be denied healthcare? Sounds legit in Florida I suppose. Next they'll ask you how many abortions you've had. Because if you've had too many, you may be a risk. And if they find out you lied, you will go to prison. Yeah sounds legit in Florida.
IT'S THE LAW!
But, on the bright side, you still get to pay into the system or go to jail.
http://www.democraticunderground.com/10023812154
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I was thinking about this yesterday. With all the people who will get pushed into these exchanges possibly thinking they will able to afford it, only to find out they can't (or don't) make the premium payments. How long before the insurance company cancels them and the IRS finds out about it?
Or if they change jobs and get employer paid insurance, drop the exchange and then the IRS fines them because the new information hasn't caught up to their account.
I can see all kinds of scenarios where this could turn into a real nightmare.
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NYC_SKP (53,368 posts)
6. This might be more deliberate misinformation. Is Anne Packham really in a place to know?
She sounds kind of unsure of her own "facts".
She's the lead navigator for one of the top 5 populated states in the country. Navigators are supposedly the subject matter experts on this LAW, as touted by the Oministration. Are you saying the Oministration is incompetent enough to have not only failed to produce a working website given three years of lead in, but that they can't even train their "experts"?
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She's the lead navigator for one of the top 5 populated states in the country. Navigators are supposedly the subject matter experts on this LAW, as touted by the Oministration. Are you saying the Oministration is incompetent enough to have not only failed to produce a working website given three years of lead in, but that they can't even train their "experts"?
Yes.
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I was thinking about this yesterday. With all the people who will get pushed into these exchanges possibly thinking they will able to afford it, only to find out they can't (or don't) make the premium payments. How long before the insurance company cancels them and the IRS finds out about it?
Or if they change jobs and get employer paid insurance, drop the exchange and then the IRS fines them because the new information hasn't caught up to their account.
I can see all kinds of scenarios where this could turn into a real nightmare.
Yep, imagine the IRS withholding someone's tax refund because of that foul up. It will take years to straighten out and get their money back.
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The Obama HellCare cluster **** just keeps getting more clustery and more ****y everyday.
Brings a tear to my eye......of laughter.
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The BS sob story about how the poor get inferior care really p!$$es me off :mad:. Hospital patients are not divided into care categories titled "No insurance; provide crappy care" and "Great insurance, make sure we heal him." Hospitals spend hundreds of thousands of dollars treating people who have no way to pay, and then then turn to the government and hope to collect pennies on the dollar from Medicaid and Medicare.
Most major cities have free clinics, or at the very least, clinics that will work on a sliding scale, to provide basic medical care. I volunteered at one that even provided a variety of free medication (that had no street value). Most major metropolitan areas provide free and low cost vaccination.
Our medical system isn't perfect, but it isn't nearly as flawed and unjust as the Democrats would like us to believe.
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Our medical system isn't perfect, but it isn't nearly as flawed and unjust as the Democrats would like us to believe.
Once the Dems and their cACA get through with it, it will be.
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Zorra (20,567 posts)
24. We need Canadian style universal healthcare, end of story. **** Experian, **** private
health insurance companies, and **** the government for not telling us about this bullshit beforehand. So your answer is said government 100% controlling heathcare decisions?
Idiot.
It's time for a class action lawsuit. Yeah,go ahead and sue the government,see how that works out for ya.
The government may be able to force us to get insurance or pay a fine, but they cannot force us to have our privacy invaded by a private credit rating corporation in order to buy that insurance. Wanna bet,in the control of a dictator wannabe like Odumbo they will do as they please.
BTW, my credit score is over 800. This is a matter of principle. Words that no true DUmbass can ever truthfully say.
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Zorra (20,567 posts)
24. We need Canadian style universal healthcare, end of story. **** Experian, **** private
health insurance companies, and **** the government for not telling us about this bullshit beforehand.
It's time for a class action lawsuit.
The government may be able to force us to get insurance or pay a fine, but they cannot force us to have our privacy invaded by a private credit rating corporation in order to buy that insurance. <<<< Yes they can. You guys have given your lord and master control over everything. Did this nevere occur to you when you where gleefully ripping up the Constitution?
BTW, my credit score is over 800. This is a matter of principle.
Now the bolded is just not fair. Your plastic princess Pelosi, she with the perpetually surprised face, plainly told you that the bill had to be passed to find out what was in it.
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I thought it was racist to use invasive means to determine someone's identity...
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I thought it was racist to use invasive means to determine someone's identity...
You mean like asking for ID?
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You mean like asking for ID?
Exactly -
Providing a credit score requires providing a SSN. An SSN contains within it the year and location of your birth (in most cases). A credit score implies your financial condition, and indicates if you are as poor as you claim to be to when you apply for waivers to your Obamacare fee. (for example, one who pays their 2013 Lexus bill on time every month, while claiming to be living below the poverty level) That has to be inherently racist.
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BTW DUmbasses,you always want to equate this with having car insurance...guess what they do before quoting a policy.
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This is great, watching the smartest people on the planet just now figuring out for themselves what we knew in 2009. :rotf: :rotf: :rotf: :rotf:
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Response to The Straight Story (Reply #14)
Wed Oct 9, 2013, 03:14 AM
JimDandy (3,089 posts)
60. Absolutely not true!
My son is an ACA sign-up rep. Besides you don't get your credit score unless you pay for it. Most people get the 'free' credit reports that the govt has required these credit companies to provide to us for free once a year. They don't include a credit score, so this doesn't even make sense that the ACA reps would be asking callers for their credit score as a way of identification. That would be forcing people to buy the credit reports with the scores!
What I don't like, though, is the ACA sign-up process is being slowed down due to a Homeland Security check!
What's a Homeland Security check? That's new to me.
JimDandy, you idiot, they're not suggesting that you announce your number as the identifier. "I'm 530. I'm a loser, obviously."
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This is where I play devil's advocate. Credit scoring should never affect your ability to get insurance, utilities hooked up or a job, unless that job requires you to be in charge of money or other assets. The credit scoring system in this country is a JOKE with absolutely no oversight. Three different companies, with no accountability.
I have had my share of run-ins with the jackasses when getting my mortgages, trying to clear up errors. They flatly refused, in some cases. Our score wasn't bad, but it was the damned principle - when you see incorrect info on your credit report, you want it fixed. So yeah, those experiences made me most angry for people who have crappy credit scores for reasons like job loss, divorce, etc. Once the big three slam your score to the basement, it is very hard to get by - I picture a newly single mom who left a jerk of a husband and suddenly can't get the power hooked up in her new apartment because the power company pulled her credit and wants a huge deposit.... or the family of 6 whose sole bread earner finally finds the perfect job after being laid off for a few months, only to be turned down because their credit score hit the crapper while he or she was out of work.
OK, rant over, and I know I sound like the DUmp monkeys, but the credit thing pisses me off. Pretty much anything that keeps people from being productive, working taxpayers and off the dole pisses me off.
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One wonders with all these stories about invasive questions during the Obammycare sign up process what could be going on. Perhaps it could be attributed to a lack of background checks and drug testing for our new "navigators". Credit score information would be extremely valuable to an identity thief as they could eliminate deadbeats from their prey.
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From the comments at Orlando:
"Michael Yount of Charlotte, N.C., is one such unhappy customer. He and his wife, retired and in their late 50s, have been buying their own health insurance from Blue Cross and Blue Shield (BCBS) in North Carolina, paying about $380 a month with an $11,000 deductible. BCBS is offering them a new plan for three times the cost, $1,124.50 a month, still with an $11,000 deductible."
“We are an insurance company’s dream,†Mr. Yount tells the Monitor. “We pay our bills, we hardly ever get sick, no prescription drugs. And now this.â€
"Reluctantly, he says, they plan to drop out of formal health insurance, pay the penalty, and “self-insure.â€
see more
Fed up with liberals
• 25 minutes ago• 13 △0 ▽− +
âš‘Its hilarious that the same morons who voted for this garbage will have to pay the most for it. GOOD! All of you Obama loving morons got exactly what you deserve.
We're finding out, more and more each day, "What's in it". And this is just the Insurance part. Wait till they start finding out about the actual Health Care part, or, more precisely, the lack thereof.
If you have ever been to Charity Hospital in Louisiana you would understand to what level the medical services in the U.S. are about to descend. H1B's with medical certificates from the Mumbai Institute of Hygiene and Bicycle Repair. As an older friend's housemaid once told me, "My Uncle Zeb be goin' to the Charity Hospital. They be funeralizing him soon."
etc. etc. Not one supporter in the thread.
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We need Canadian style universal healthcare, end of story.
Says someone who has never dealt with it.
Again, DUmmies, especially you, cali--you should know this, living up in the sticks of VT--why is it all along the US/Canada border there are hospitals, clinics, etc., that seem to be far larger than what the local community needs? For example, the services provided up in the Upper CT Valley (Colebrook, Newport VT, etc.) seem to be quite plentiful for little towns of 2000-4000 people.
Why is that, you suppose?
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Says someone who has never dealt with it.
Again, DUmmies, especially you, cali--you should know this, living up in the sticks of VT--why is it all along the US/Canada border there are hospitals, clinics, etc., that seem to be far larger than what the local community needs? For example, the services provided up in the Upper CT Valley (Colebrook, Newport VT, etc.) seem to be quite plentiful for little towns of 2000-4000 people.
Why is that, you suppose?
Our Winter Texans from the frozen North were begging us not to pass this mess.
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Does anyone know WTF "coleration" means?
Sounds like the darkangel218 primitive is Lexdysic.
She should self-delete.
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OK, rant over, and I know I sound like the DUmp monkeys, but the credit thing pisses me off. Pretty much anything that keeps people from being productive, working taxpayers and off the dole pisses me off.
We're not laughing at them for being pissed over the credit score requirement, we're laughing at them for just now realizing how invasive ObamaCoup will be when we deduced these scenarios the whole time their masters were lying to the nation.
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We're not laughing at them for being pissed over the credit score requirement, we're laughing at them for just now realizing how invasive ObamaCoup will be when we deduced these scenarios the whole time their masters were lying to the nation.
Oh I know that - and I still get a strong dose of pleasure when I read their added misery from this thing they brought upon us all, but "credit scoring" is one of those phrases that snaps a synapse in my brain and brings on a rant, no matter the context. Same thing happens when I hear "We're all out of wine".
I'm thoroughly enjoying this series.... keep 'em coming!
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This is where I play devil's advocate. Credit scoring should never affect your ability to get insurance, utilities hooked up or a job, unless that job requires you to be in charge of money or other assets. The credit scoring system in this country is a JOKE with absolutely no oversight. Three different companies, with no accountability.
I have had my share of run-ins with the jackasses when getting my mortgages, trying to clear up errors. They flatly refused, in some cases. Our score wasn't bad, but it was the damned principle - when you see incorrect info on your credit report, you want it fixed. So yeah, those experiences made me most angry for people who have crappy credit scores for reasons like job loss, divorce, etc. Once the big three slam your score to the basement, it is very hard to get by - I picture a newly single mom who left a jerk of a husband and suddenly can't get the power hooked up in her new apartment because the power company pulled her credit and wants a huge deposit.... or the family of 6 whose sole bread earner finally finds the perfect job after being laid off for a few months, only to be turned down because their credit score hit the crapper while he or she was out of work.
OK, rant over, and I know I sound like the DUmp monkeys, but the credit thing pisses me off. Pretty much anything that keeps people from being productive, working taxpayers and off the dole pisses me off.
I've been in mortgages for 20+ years and I agree that the credit bureaus and trying to correct errors can be frustrating. As for bad credit scores making it where the company wants a larger down payment, I understand what you're saying, but I also see the side of the company. They can only go by what they see on paper and the customers story of how it all happened isn't reliable because, well, people lie. Makes it hard on otherwise honest people who just ran into some rough patches. But I'm with you, I wish there was a better way.
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What's a Homeland Security check? That's new to me.
There is a data hub of different agencies that the application gets passed through.
http://watchdog.wpengine.netdna-cdn.com/wp-content/blogs.dir/1/files/2013/07/obamacare-hub-1.jpg
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Response to The Straight Story (Reply #14)
Wed Oct 9, 2013, 03:14 AM
JimDandy (3,089 posts)
60. Absolutely not true!
My son is an ACA sign-up rep. Besides you don't get your credit score unless you pay for it. Most people get the 'free' credit reports that the govt has required these credit companies to provide to us for free once a year. They don't include a credit score, so this doesn't even make sense that the ACA reps would be asking callers for their credit score as a way of identification. That would be forcing people to buy the credit reports with the scores!
What I don't like, though, is the ACA sign-up process is being slowed down due to a Homeland Security check!
So... I'm supposed to believe some bottom rung drone knows more than the person in charge of the entire program for a state? Really, DUmbass?
Allow me to throw the bullshit flag. :bs:
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This is where I play devil's advocate. Credit scoring should never affect your ability to get insurance, utilities hooked up or a job, unless that job requires you to be in charge of money or other assets. The credit scoring system in this country is a JOKE with absolutely no oversight. Three different companies, with no accountability.
I have had my share of run-ins with the jackasses when getting my mortgages, trying to clear up errors. They flatly refused, in some cases. Our score wasn't bad, but it was the damned principle - when you see incorrect info on your credit report, you want it fixed. So yeah, those experiences made me most angry for people who have crappy credit scores for reasons like job loss, divorce, etc. Once the big three slam your score to the basement, it is very hard to get by - I picture a newly single mom who left a jerk of a husband and suddenly can't get the power hooked up in her new apartment because the power company pulled her credit and wants a huge deposit.... or the family of 6 whose sole bread earner finally finds the perfect job after being laid off for a few months, only to be turned down because their credit score hit the crapper while he or she was out of work.
OK, rant over, and I know I sound like the DUmp monkeys, but the credit thing pisses me off. Pretty much anything that keeps people from being productive, working taxpayers and off the dole pisses me off.
Credit reporting agencies are shady. At the same time, there are people who should never get loans period. I under what USA4Me is saying too. I am sure they can contact banks and creditors besides just looking at paper.
Anyways, this whole Obamacare is a failure. :mental: Hey DUmmies!
:ownit:
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We're not laughing at them for being pissed over the credit score requirement, we're laughing at them for just now realizing how invasive ObamaCoup will be when we deduced these scenarios the whole time their masters were lying to the nation.
That's right we are laughing at them for celebrating both the passage and the SC blessing of 0bamacare. They wanted it, they got it, they can suffer under it. Every little detail of the law they complain about makes me laugh my head off.
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What's a Homeland Security check? That's new to me.
JimDandy, you idiot, they're not suggesting that you announce your number as the identifier. "I'm 530. I'm a loser, obviously."
Never heard of Homeland Security check.
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Never heard of Homeland Security check.
I think they mean TSA.
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I think they mean TSA.
Toilet Security Administration?
"We just need ta check ya asshole, sir."
(http://shinybadge.com/wp-content/uploads/2012/03/TSA.jpg)
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Toilet Security Administration?
"We just need ta check ya asshole, sir."
(http://shinybadge.com/wp-content/uploads/2012/03/TSA.jpg)
That's FUNNY! ^5!
I thought TSA stood for Toddler Searching Administration!
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^^^ :lmao:
There is a data hub of different agencies that the application gets passed through.
http://watchdog.wpengine.netdna-cdn.com/wp-content/blogs.dir/1/files/2013/07/obamacare-hub-1.jpg
Oh, I see. That also explains something else I read today. All these agencies all have legacy systems that are supposed to "talk" to the new hellcare website. They're having troubles.
I'll bet many of us here have experienced migrating to a new system, and the nightmare that the phrase "legacy system" can invoke.
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I thought TSA stood for Toddler Searching Administration!
Way things are now, it could just as easily stand for "Total Surveillance of Americans."
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I think they mean TSA.
A background check for health insurance and by TSA??????? :wtf2:
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Way things are now, it could just as easily stand for "Total Surveillance of Americans."
In that case, I'm not worried.
We've all seen the great job they do keeping 9 year-olds off of airline flights. :thatsright:
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This is where I play devil's advocate. Credit scoring should never affect your ability to get insurance, utilities hooked up or a job, unless that job requires you to be in charge of money or other assets. The credit scoring system in this country is a JOKE with absolutely no oversight. Three different companies, with no accountability.
I have had my share of run-ins with the jackasses when getting my mortgages, trying to clear up errors. They flatly refused, in some cases. Our score wasn't bad, but it was the damned principle - when you see incorrect info on your credit report, you want it fixed. So yeah, those experiences made me most angry for people who have crappy credit scores for reasons like job loss, divorce, etc. Once the big three slam your score to the basement, it is very hard to get by - I picture a newly single mom who left a jerk of a husband and suddenly can't get the power hooked up in her new apartment because the power company pulled her credit and wants a huge deposit.... or the family of 6 whose sole bread earner finally finds the perfect job after being laid off for a few months, only to be turned down because their credit score hit the crapper while he or she was out of work.
OK, rant over, and I know I sound like the DUmp monkeys, but the credit thing pisses me off. Pretty much anything that keeps people from being productive, working taxpayers and off the dole pisses me off.
Yep..raises hand...the ex decided when *HE* left to stop paying the mortgage in the first month. I was a stay at home mother for 12 years and had NO income and knew I wasn't likely to even get close to what I made before that(and I still don't after working over 3 years now). He never really gave a second thought to his credit and it was my credit and his income that really allowed us our very first house before this one. Now I have neither and he at least has his income. It does not take into consideration extenuating circumstances. Thank goodness my work did when I got hired.
Yes, he behaves differently now, but that foible during that year has left a mark I may never be able to drag myself from independently:-( I've just resigned myself that I'll never buy a home again after that. Sucks!