Sunday, November 3, 2013

IS IT A LIE OR A PURE DISCONNECT FROM REALITY

Would bugs be funny without Elmer?
Ask yourself if President Obama would look sane without the Republicans hounding him all the time?  Maybe not.  I have written some rather critical things about the man, here.
This time it is perhaps more humorous than it is anything else, but you have to admit that the youngster has put his foot in his mouth for sure, this time.  We all know what he wanted to say when he said that "If you like your insurance, you get to keep it."  He said that, and other variations on the same theme more than once.  Now, there is a wave of accusation and disparagement against him for lying.  He's not lying.  He's just disconnected.  If he's not disconnected, he's propably running on "LoBat" like he does a lot of the time.  He's like Elmer Fudd.  He's got a lot of bluster, but he ain't never killed nobody!  He said that because he's just plumb out of touch with reality.  How do I know that?  Watch closely as you yourself answer these questions to yourself.
1. How do you know whether or not you like your health insurance?
2. How do you know whether or not you like your life insurance?
3. How do you know whether or not you like your car insurance?
If you haven't died lately,you're more than likely fairly happy with your life insurance.
Insurance is something that we like when we don't have to use it.
Moving right along to health insurance.  How many of you really know the difference between an insurance policy that you like and one that you dislike?  The cost of the premium, right?  The level of the deductible, right?  How many of you know whether or not you really like your homeowner's insurance?  Why?

When the president made those statements, he should have known that he was talking to a brick wall.  No,not the Republican brick wall,the brick wall of ignorance about the complex reality that is insurance.  The only time that we like or dislike our insurance is when we get the good news or the bad news.  In between, we don't even think about it.  We throw the $200.00 premium at it every month with nary a thought about whether we like it or not.  Actually, we can't think about why we like it or not because we don't use it or we don't understand it.

The president also made the mistake of not trying to explain that the new law was going to make all health care insurance policies meet certain minimum standards.  So that one that you had, fell far short of these standards before the law.  Now that the standards have been built in, you have to pay more and so you hate the president because you now hate your insurance policy and you think that the president lied on purpose.  He didn't lie out of malice.  He erred out of the disconnect between his way of living and ours.  He thought that we would undertand that when insurance companies had to change their policies to accommodate the law of "no maximum caps on benefits; no pre-existing conditions; no deselection because of no coverage of certain illnesses and a host more, they would increase their prices."

In the process, we had lost our below standard insurance that we had and liked, so we had to go another route.  Also, in the process, many insurance policies were changed and are no longer the same as we had and liked before because they had to be changed to meet the standards of the new law.  After the change, of course the price was increased because the level of insurance company risk went up substantially.  Mr. Obama knew that, I am sure.  It should have been explained and it should be explained now.  It's what we get when those who live in palaces and don't have daily cash flow problems try talking to us.  When it comes to nitty-gritty reality like Insurance, they are ignorant of what it takes to make us understand.  They make it easy for us to call them liars.  They are liars.  But in this case, I know enough about insurance to want to give the president a slight slice of mercy, all the while saying with shame that he did, and is doing, a horrible job in this area.

At one point or another along the way, President Obama said these things, but neither he nor any of his people elucidated them to make them understandable to the greater population.

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