Proposed Bill makes it Illegal to sell flavored eliquid or flavors used in eliquid
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I think many lie and hope for the best. Not sure how else claims would be denied. I had emergency surgery 4 years, or so ago and ended up paying $2500 in deductibles out of $97000 worth of claims. Worked for me...
They should look for the cause of death as established by the coroner. Anything else is speculation or plain fraud.
Exactly, a guy I know was in an auto accident (wasn't injured) but was furious when he had to pay a few thousand in a deductible to get his car fixed. I told him your always bragging about how you pay nothing monthly for your car insurance and now you know why cause you agreed to a super high deductible, duh.
It is like the mortgage crisis. People thought they could win the lottery by financing a house they couldn't afford, then turn around and sell it a few months later for a nice profit, because home prices were going up so fast. When the housing market fell and they ended up with a loan they couldn't afford and house worth less than they paid for it, they cried about how they were taken advantage of...
Right, not that I like them testing for nicotine but from an insurance perspective they figure if nicotine is present your either a smoker or vaper or maybe both and either of those poses a greater risk for a illness related claim.
Nobody like paying for insurance but I sure like the benefits of having it. Health, auto, home, life, I couldn't imagine not being covered.
Um, where is the evidence that vaping puts someone at a greater risk for an illness related claim? Or is that just an assumption because vaping "looks" like smoking?
Also, what does this have to do with banning flavors? They're not banning vaping for health reasons, they're banning flavors under the misguided idea that the flavors are meant to attract children.
As far as the insurance companies and their reasoning, who knows? It used to be they would show you actuarial tables describing the different risks associated with your behavior and why they were charging you what they were charging you. Now people have fewer choices, your employer will usually give you one or limited options, and it's either take it, or pay all of your insurance costs on your own.
As for the relevance to the OP, I meant that more in a general sense, not just to you. I just didn't feel like making a separate post.
That's fine no offense taken, it did come off as directed toward me since you quote me but thanks for clearing that up.
As far as insurance goes these days they don't show us or even in most cases give explanations for their assessed risk, they just say risk and were expected to accept it, probably one of the reasons insurance carriers are always in litigation. They don't even play by their own rules, yet they expect the average person to, crazy.
As far as insurance goes these days they don't show us or even in most cases give explanations for their assessed risk, they just say risk and were expected to accept it, probably one of the reasons insurance carriers are always in litigation. They don't even play by their own rules, yet they expect the average person to, crazy.
OT Post:
Yeah, supposedly things are more transparent now... My wife was just scheduled for an endoscopy, it has to be at the outpatient surgery center because the anesthetic they use for in-office procedures doesn't work on her. We've been trying to find out what our portion of the bill will be. Called my insurance company, and they said our portion will be 20% of the facility fees, and 20% of the professional fees. I asked if they could tell me an estimate of what those fees would be, and they told me I would have to provide information like the doctor, the facility, the doctor's tax ID, AND the doctors estimated professional services fees, as well as contact the surgery center and get their estimated facility fees. So, if I provide them an estimate of what the fees are, they can estimate the 20% for me.... This is an HMO plan, all of these fees are contracted...
Yeah, supposedly things are more transparent now... My wife was just scheduled for an endoscopy, it has to be at the outpatient surgery center because the anesthetic they use for in-office procedures doesn't work on her. We've been trying to find out what our portion of the bill will be. Called my insurance company, and they said our portion will be 20% of the facility fees, and 20% of the professional fees. I asked if they could tell me an estimate of what those fees would be, and they told me I would have to provide information like the doctor, the facility, the doctor's tax ID, AND the doctors estimated professional services fees, as well as contact the surgery center and get their estimated facility fees. So, if I provide them an estimate of what the fees are, they can estimate the 20% for me.... This is an HMO plan, all of these fees are contracted...
I know it's like, "oh there's this new thing, people seem to like it, and smokers REALLY like it -- quick, ban it! Ban it NOW before anyone else starts enjoying it! Enjoying things is from THE DEVIL!!"
I really, really wish England had burnt the damn puritans as heretics before they had a chance to hop on that ship.
Andria
I know it's like, "oh there's this new thing, people seem to like it, and smokers REALLY like it -- quick, ban it! Ban it NOW before anyone else starts enjoying it! Enjoying things is from THE DEVIL!!"
I really, really wish England had burnt the damn puritans as heretics before they had a chance to hop on that ship.
Andria
These bills almost always are proposed by progressives, who are anything but 'Puritan'... Research the sponsors of these bills, as I have...
That is a bad plan. In my plan all I have to do is put whatever test or procedure I would like in a search box and it will give me a list of doctors/facilities in my areas which are in-network, the negotiated approved cost and the co-pay. Some plans are great; some aren't...
Sure, as long as the FDA forgets all about the concept of Substantial Equivalence.
Are you kidding? Half the FDA's board of directors are on the Big Pharma pay roll! They may not have the majority vote in that sense but carry a lot of weight unless the opposition is overwhelming in pushing for loose restrictions on things as far as just what will go into the final version of things to come.
What will be the most likely however is one general guideline for them however since individual states have the ability to govern things their own way past a certain point like if the FDA says 18 a state can impose an Age 21 minimum requirement or what is going to be allowed to be sold such as what is now being proposed in Oregon regarding the limits on what flavors will be permissable. The people who live in that state have to pursue a petition keeping in mind one good example of how Big Pharma tries enticing as well with numerous flavors on their so called nicotine therapy products!
I have called my doctor's office and three departments at the hospital to find out how much a doctor ordered blood test through said hospital would cost and no one can tell me. Got nailed for $700+ on the last one so skipped this one. Last outpatient surgery cost a couple thousand but I got a $30,000 discount because I had insurance. Small wonder the poor are so ill.
Well those flavored products are FDA approved for ages 12 and up.
(sarcasticaly)
give the Big guys a chance to catch up to this fandangled craze I mean sheesh they pretty much got you into this vaping thing....youre welcome, and its not like they'll ban flavors forever they just got to pass a bill here or there while they off thier built up supply to 3rd world countries recover lost revenues make thier own flavors with FDA approvals and EVERYBODY is happy. Sad but probably true.
give the Big guys a chance to catch up to this fandangled craze I mean sheesh they pretty much got you into this vaping thing....youre welcome, and its not like they'll ban flavors forever they just got to pass a bill here or there while they off thier built up supply to 3rd world countries recover lost revenues make thier own flavors with FDA approvals and EVERYBODY is happy. Sad but probably true.
FDA APPROVED FOR 12YRS. OR OLDER shows the length Big Pharma will go doesn't it?! And yet what is one of the big arguments against flavored ecigs being enticers for kids to start what? SMOKING?! DAaaaaaa Buzzer sounds off!
Recently when a few of us learned a now passed on friend's son was starting to pick up a smoking habit although over 21 we passed along some of those old cig alikes to have him try them out as well as some 650mah batteries with some clearomizers to be followed with a holiday starter like and a sample pack of several flavors. Why?
Well the suggestion went rather then seeing that one pick up a life time habit we provided a chance to vape rather then bum cigs off of friends. Still waiting to hear back from that one while another who was wearing the patch immediately took to vaping when offered the same type of gift!
The patch wasn't doing it for that one! Should we now say it is ok for Big Pharma to push out patches in all shapes and colors for kids? Kids always manage to get their hands on smokes from someone somewhere right behind parent's backs without any help from "Flavors"! Just more proof of FDA officials being influenced by Big Pharma $$$!
Recently when a few of us learned a now passed on friend's son was starting to pick up a smoking habit although over 21 we passed along some of those old cig alikes to have him try them out as well as some 650mah batteries with some clearomizers to be followed with a holiday starter like and a sample pack of several flavors. Why?
Well the suggestion went rather then seeing that one pick up a life time habit we provided a chance to vape rather then bum cigs off of friends. Still waiting to hear back from that one while another who was wearing the patch immediately took to vaping when offered the same type of gift!
The patch wasn't doing it for that one! Should we now say it is ok for Big Pharma to push out patches in all shapes and colors for kids? Kids always manage to get their hands on smokes from someone somewhere right behind parent's backs without any help from "Flavors"! Just more proof of FDA officials being influenced by Big Pharma $$$!
I know it's like, "oh there's this new thing, people seem to like it, and smokers REALLY like it -- quick, ban it! Ban it NOW before anyone else starts enjoying it! Enjoying things is from THE DEVIL!!"
I really, really wish England had burnt the damn puritans as heretics before they had a chance to hop on that ship.
Andria
“But that’s the whole aim of civilization: to make everything a source of enjoyment.” L. Tolstoy
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