Gender rating

Darla said:
Can I write all the emails and letters and just have them sign them? I would love that job. Pick me pick me! You guys don't have time to write your own protest letters. Let me take care of it! I'll tell you what, you don't even have to read them! You can trust me.
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Riiiiiight. You know that most men won't read past the first paragraph of the letter and thus you will be nice in the first one and then the last paragraphs will begin...

'now that the men have stopped reading what they are signing, here is what we should really do to them...'
 
Superfreak said:
The 'same coverage' difference lies in the preventative care portion of the contracts. Women have far greater preventative needs (especially in their 20's-40's) and thus have more tests, which costs more money, which leads to... yep... higher premiums.

Men tend to be more aggressive drivers, hence get more tickets, tend to be in more accidents... tend to get... higher premiums.

Men tend to die younger on average, which means higher premiums.

But good lord, fuck all the above... we need to make sure everyone pays the same!
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The "more tests" things are going away. Used to be women were urged to have two tests a year, pap smear and mammogram. First the mammogram screen. It used to be annually for women over forty so right there you had a class of younger women who weren't in the pool. Then the timing was changed from yearly to every two years, further cutting costs. Next the pap test was supposed to be an annual exam for women starting at age 21. Now the time is changed to getting screened every 2 years through age 30, and then screened every 3 years as long as their last three test results have been normal.

The point is, women of all ages aren't having the same tests throughout their adult lives and now the previous guidelines are changed to require less testing. And I don't know that this is showing up in the rates.
 
General Buck Turgidson said:
Women don't choose to be women and thus have more preventive care need and higher premiums. At least you understand that the its the same insurance now. You were having trouble with that yesterday.
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again... it isn't the same coverage because for women their contracts spell out DIFFERENT preventative measures that are covered. Those DIFFERENT measures cost MORE than the measures men are covered for.


This is not a function of biology. Men engage in activities that lead to higher claim rates and higher premiums.
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Doesn't matter. Women have higher claim rates and thus higher premiums for health insurance. That is the point.

This one is legitimate, but life insurance, while a smart thing for many people, particularly parents, isn't something that everyone pretty much needs. Health insurance is. Having said that, if you want to advocate for a law prohibiting gender rating in the life insurance industry knock yourself out. It's not really a priority for me.
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I could care less if it is a priority for you or not. I understand how the contracts are written and understand exactly why men pay more.
 
Superfreak said:
The point is... they ARE equalizing the system. They are trying to make it fair by charging people appropriately. The policies are 'fair' in the sense that they are designed to return about the same profit margin for the insurance companies.

Life insurance is designed so that the IRR on a policy is about the same (based on avg. life expectancies).

The problem is that you and others are fixated on making the pay side 'fair', which in turn makes the 'use' side unfair. Whereas if women pay more because they use more (get more) then it makes the system overall... 'fair'. What you are proposing is making the system tilt in favor of women. You are proposing a dick tax for health insurance plans. (which is already done in the vast majority of group plans)
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Except that in the case of health care profession this is a conflict of interest. The Health Care Industry is not a traditional business. It's function is not to maximize profits. I think your point is perfectly valid for life insurance and other forms of insurance. I don't think it's a valid to compare health care to other businesses and industries in which the goal is to maximize profits.
 
christiefan915 said:
The "more tests" things are going away. Used to be women were urged to have two tests a year, pap smear and mammogram. First the mammogram screen. It used to be annually for women over forty so right there you had a class of younger women who weren't in the pool. Then the timing was changed from yearly to every two years, further cutting costs. Next the pap test was supposed to be an annual exam for women starting at age 21. Now the time is changed to getting screened every 2 years through age 30, and then screened every 3 years as long as their last three test results have been normal.

The point is, women of all ages aren't having the same tests throughout their adult lives and now the previous guidelines are changed to require less testing. And I don't know that this is showing up in the rates.
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If the more tests goes away, you should see the gap narrow... just as it does for older women beyond their 40's. But if stats show women continue to have higher claims than men, they are going to continue to pay more than men.
 
Darla said:
Can I write all the emails and letters and just have them sign them? I would love that job. Pick me pick me! You guys don't have time to write your own protest letters. Let me take care of it! I'll tell you what, you don't even have to read them! You can trust me.
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Definitely! Include some of your witticisms (like the Bravo one) and that'll make them stand up and take notice. :)
 
Superfreak said:
again... it isn't the same coverage because for women their contracts spell out DIFFERENT preventative measures that are covered. Those DIFFERENT measures cost MORE than the measures men are covered for.
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I know that the coverages are different. I said that eleventy posts ago. The insurance is the same, but the coverages are different because different demographics have different needs.


none said:
Doesn't matter. Women have higher claim rates and thus higher premiums for health insurance. That is the point.
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That may be your point. My point is that the higher claim rates are the result of things outside the control of women -- that they were born women and not men -- whereas the higher auto rates for men are the result of things within the control of men -- their driving habits.


none said:
I could care less if it is a priority for you or not. I understand how the contracts are written and understand exactly why men pay more.
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I'm very impressed that you know how life insurance contracts are written. Tell me more. I'm beginning to swoon.
 
Derp Derp said:
Except that in the case of health care profession this is a conflict of interest. The Health Care Industry is not a traditional business. It's function is not to maximize profits. I think your point is perfectly valid for life insurance and other forms of insurance. I don't think it's a valid to compare health care to other businesses and industries in which the goal is to maximize profits.
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Isn't that the truth. Blue Cross/Blue Shield, profits over people.
 
General Buck Turgidson said:
I know that the coverages are different. I said that eleventy posts ago. The insurance is the same, but the coverages are different because different demographics have different needs.
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LMAO... so the coverages are different but yet the insurance is the 'same'. Seriously... you crack me up.

But you finally seem to grasp the concept. The different demographics do indeed have different needs. Those needs lead to different costs. Those different costs result in different premiums. Are you finally catching on to how this works?

That may be your point. My point is that the higher claim rates are the result of things outside the control of women -- that they were born women and not men -- whereas the higher auto rates for men are the result of things within the control of men -- their driving habits.
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Saying 'they are out of their control' doesn't change anything. They use more, they pay more. You put more food in your cart, you are going to pay more. It is the way it works. It is such a simple concept, even you should be able to grasp it.
 
Superfreak said:
Riiiiiight. You know that most men won't read past the first paragraph of the letter and thus you will be nice in the first one and then the last paragraphs will begin...

'now that the men have stopped reading what they are signing, here is what we should really do to them...'
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You wrote two whole posts to me with no caps and no names. Does this mean you got over hating me?
 
General Buck Turgidson said:
I know that the coverages are different. I said that eleventy posts ago. The insurance is the same, but the coverages are different because different demographics have different needs.




That may be your point. My point is that the higher claim rates are the result of things outside the control of women -- that they were born women and not men -- whereas the higher auto rates for men are the result of things within the control of men -- their driving habits.




I'm very impressed that you know how life insurance contracts are written. Tell me more. I'm beginning to swoon.
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This made me laugh so much. Anyone who has done any business networking knows that real life insurance salesmen really do think they are incredibly interesting and that their insurance talk makes women swoon! It's amazing.
 
Superfreak said:
LMAO... so the coverages are different but yet the insurance is the 'same'. Seriously... you crack me up.
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Exactly. The insurance policies and plans are the same. My policy and the policy of the woman on 12 that wears the loud shoes are exactly the same but they cover different things.


Superfreak said:
But you finally seem to grasp the concept. The different demographics do indeed have different needs. Those needs lead to different costs. Those different costs result in different premiums. Are you finally catching on to how this works?
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I've always grasped it and said the same thing eleventy posts ago, but you seem to be reverting back to yesterday's nonsense. I thought you were showing signs of progress. Apparently not.


Superfreak said:
Saying 'they are out of their control' doesn't change anything. They use more, they pay more. You put more food in your cart, you are going to pay more. It is the way it works. It is such a simple concept, even you should be able to grasp it.
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It doesn't change anything for you. Like I said, you were blessed with the good fortune of being born a man and want to retain all the benefits that flow from that circumstance. That doesn't mean the government can't do something to fix it.
 
General Buck Turgidson said:
I know that the coverages are different. I said that eleventy posts ago. The insurance is the same, but the coverages are different because different demographics have different needs.

I'm very impressed that you know how life insurance contracts are written. Tell me more. I'm beginning to swoon.
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Yet you tell me that because they can't control having a penis they shouldn't pay more for that life insurance. Well, either you tell me that or you are inconsistent.
 
Damocles said:
Yet you tell me that because they can't control having a penis they shouldn't pay more for that life insurance. Well, either you tell me that or you are inconsistent.
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Actually, I said it's a legitimate gripe but, for the reasons I stated, it isn't a priority for me. If you want to propose the end of gender rating in life insurance you can knock yourself out.
 
Darla said:
You wrote two whole posts to me with no caps and no names. Does this mean you got over hating me?
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The 'hate' was a figment of your imagination. The lack of caps is done because too many liberals get their panties in a bunch when I do it. No matter how many times I state I do it rather than using bold or italics (because I am lazy), they still insist that I am 'shouting' and 'angry'.

That said, you are still bat shit crazy... but I still like ya anyway.
 
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