EppsNet Archive: Insurance

The Holy Fire is Now the Forrest Fire

It’s wildfire season here in Southern California . . . The closest fire to us at this time is the Holy Fire, named either for its proximity to the small mountain community of Holy Jim (see map), or because God is purifying us with flame. Jesus returned as a burning bush and inadvertently ignited Trabuco Canyon. A suspect, Forrest Gordon Clark, has been arrested on suspicion of arson. He looks normal. The fire has been renamed from the Holy Fire to the Forrest Fire. 🙂 My wife is in the insurance business. Every summer she gets calls from people living in fire zones wanting to buy a homeowners policy. There’s no concept of guaranteed issue with homeowners insurance like there is with health insurance. — Does your house have a pre-existing condition? — Yes, it’s on fire. — OK, your first month’s premium will be $500,000. Read more →

Spot the Fake News: Obamacare Subsidies

I read four news stories on the same topic — the end of Obamacare subsidies to insurance companies. The Wall Street Journal plays it straight down the middle: President Donald Trump’s executive order on health care issued Thursday marks the first major salvo in what the White House promises will be an extensive, targeted campaign to unravel the Affordable Care Act administratively. As does Bloomberg: President Donald Trump said he is moving “step by step” on his own to remake the U.S. health care system because Congress won’t act on his demand to repeal Obamacare. The Trump administration took its most drastic measure yet to roll back the Affordable Care Act Thursday evening, announcing it would cut off a subsidy to insurers hours after issuing an executive order designed to draw people away from the health law’s markets. See if you can spot the fake news in the Politico version:… Read more →

By Way of Explanation

I was yelling this morning and I scared the dog. I wasn’t angry at him or at anyone in the house, I was angry about a whole life insurance scam we got in the mail. (That’s redundant, isn’t it? “Whole life insurance scam”?) Anyway, the dog got scared and crawled under the bed. His joints, especially in his back legs, are not too good anymore and once he got under the bed, he couldn’t get back out. I had to crawl under there myself, roll him on his side, which he didn’t like, and then slide him out. That’s in case you’re wondering why I showed up late for work this morning looking like I just crawled out from under a bed . . . Read more →

People Who Don’t Want Me to Know Things

What I want to know is why there are so many people who don’t want me to know things . . . What the 1% Don’t Want Us to Know Natural Cures “They” Don’t Want You to Know About 20 Terrifying Facts Food Companies Don’t Want You to Know 11 things the Koch brothers don’t want you to know What hospitals don’t want you to know about C-sections 5 Things Hackers Don’t Want You to Know The Sad Secret Successful People Don’t Want You To Know 7 Rip-Offs Corporations and the Wealthy Don’t Want You to Know About Something Most Christians Don’t Want You to Know 11 Secrets Supermarkets Don’t Want You to Know Conspiracies: Five things they don’t want you to know The 25 Shadiest Things Drug Companies Don’t Want You To Know 11 Secrets Pilots Don’t Want You To Know Bottled Water: 10 Shockers “They” Don’t Want You… Read more →

Thomas Jefferson on Why Your Health Insurance Premium is Going Up

Health insurance companies across the country are seeking and winning double-digit increases in premiums for some customers, even though one of the biggest objectives of the Obama administration’s health care law was to stem the rapid rise in insurance costs for consumers. — Despite New Health Law, Some See Sharp Rise in Premiums – NYTimes.com That headline should not read “DESPITE new health law,” it should read “BECAUSE OF new health law.” But we were going to get things for free! We were promised better things at a lower cost! In my day, most of the citizens were farmers or merchants or tradesmen. They lived by their hands and their wits. They had horse sense and they knew when they were being sold a bill of goods. Of course, that was before television. Americans today are unfortunately rather stupid. Most of them don’t know anything about economics, science, history, government… Read more →

Thomas Jefferson on the Health Care Bill

Experience hath shewn, that even under the best forms of government those entrusted with power have, in time, and by slow operations, perverted it into tyranny. — TJ My fellow Americans — This is a glorious day in our great nation! No, I’m not referring to that tragedy of a health care bill, which I’ll get to in a moment. I’m talking about Free Pastry Day at Starbucks! Who doesn’t enjoy a tasty scone with his morning coffee? Now, on a more somber note . . . Goodbye, representative democracy! Farewell, consent of the governed! President Obama today signed into law a far-reaching measure that will affect everyone living in these United States, now and in the future. It is opposed by most of the country and it is now law. I would never have believed that the government I helped to establish would one day engage in this kind… Read more →

Good News

My wife runs an insurance agency. She handles all the customer service calls herself and as a result, a) she gets to know her customers very well; and b) she hears a lot of bad news. Today she sent me this email: One of my best clients just passed away yesterday. He is 65 years old and had a heart attack. One of these days I’d like to hear good news sometimes. You and Casey are my good news. Probably I don’t say enough good things about her . . . Read more →

Death of a Programmer

I’m reviewing my year-end Benefits Summary at work . . . I’ve got life insurance plus supplemental life insurance at a multiple of my annual salary. I’m having a Willy Loman moment where it seems like after all the highways, and the trains, and the appointments, and the years, you end up worth more dead than alive . . . Thus spoke The Programmer. Read more →