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T J Simplot

South Saint Paul, MN
Commenter for
6 years 33 weeks

Recent Comments

Posted on 10/10/12 at 08:13 am in response to LGBTQ youth group Justin's Gift denied entry into Anoka Halloween parade

I agree that the possibility does exist but as I said, I'm going to give the parade people the benefit of the doubt. I too am hoping to here additional details.

I can tell you that it is very difficult to come up with official parade policies because of the numerous things you have to consider (like I mentioned in my previous post)

My prediction is that they will not be able to come up with official guidelines regarding parade policies and will let the group in.

Posted on 09/19/12 at 01:06 pm in response to Minnesota’s health-insurance-exchange planners change agencies

Ms. Jette,

I suggest you check the following website.

http://mn.gov/health-reform/topics/exchange/

The exchange will likely only offer plans from carriers that currently sell in Minnesota. There will be 4 levels of plans available; Bronze, Silver, Gold, and Platinum. The health plan will pay approximately 60%, 70%, 80% or 90% of costs depending on the level...

Posted on 09/17/12 at 12:10 pm in response to What Obama, Romney preexisting condition plans mean for Minnesotans

You do realize that the major health plans here in Minnesota are non-profit, right? Yes...UnitedhealthCare is located here but it cannot sell here because they are for profit. All of the health plans in MN spend at least 85 - 90 cents of every dollar on medical claims.

Your analogy of a potato chip is not a good one. The 4 major health plans (BCBSM, HealhPartners, Medica, Preferred One) use their market share to obtain deep discounts from health care providers. What kind of...

Posted on 09/18/12 at 11:34 am in response to What Obama, Romney preexisting condition plans mean for Minnesotans

Ask doctors and other medical professionals how they like the reimbursement rates that the governmnent gives them on Medicare and Medicaid. And, they have no control in negotiating them. There's a reason why many are choosing not to see new Medicare patients. .

Guess what, even in a single payor system, claims will still have to be coded. Working for an insurance company I can tell you that the days of fighting to get something covered are long gone. Are there times it's not...

Can you please explain how the insurance industry here in MN is the main problem?

Posted on 07/26/12 at 11:59 am in response to Chick-fil-A, politics and social media: A cautionary tale

I am all for gay marriage but I have a problem with a government official blocking their expansion. I say let them build where they want and let the public decide if they want to go there. I don't need a politician doing that for me.

Two problems.

1. The penalty for not buying insurance is so low that it will still make financial to wait to buy insurance when you need it.

2. The ACA has taken all most of the power from the IRS to actually go after the penalty. The only legal way for them to get the penalty is to deduct it from any tax refund due to a person. If they don't get a refund, there is no way for the IRS to collect.

Here is what I am afraid of.

Not only is the penalty for not having no insurance very low, the chances of it being enforced are also very low. This means that healthy people will have no real incentive to buy insurance until they need it as there really is little or no risk in doing so. Imagine how much your car insurance would be if people only bought it when they had an accident? If I had my way I remove the monetary penalty and replace it with an eligibility penalty. Set a...

There was a time when this law would have made sense. For a long time in MN your dependent could stay on your plan until their 19th birthday or until they were 23 if they were a full time student. Working in the insurance industry I can tell you there definitely were some dependents who should not have been covered. Enough to cover the cost of auditing, I can't tell you but I bet it would be close.

MN (and the Feds) have since changed the law which now says dependents can stay on...

Dear politicians,

Please do your homework before you suggest legislation. If you were to do your homework you would discover the following things.

1. Large MN employers would not be subject to your law as most are self insured and not subject to state law.

2. Articles in other periodicals state you are targeting this legislation at employer plans that are "grandfathered" from health reform. If you did your homework you would find that most employer plans in MN are...