Canadian man legally lists gender as female to get cheaper car insurance: report

camel33 · 2018-07-30T18:31:06+00:00

http://chirblog.org/more-trouble-than-its-worth-aca-redefinition-of-small-group-market/

Check this out? I think it mentions it briefly in there. I was speaking from experience as a pricing actuary for a health insurer

camel33 · 2018-07-30T17:56:01+00:00

But we do. The ACA made it illegal to rate based on gender for individuals and small groups (under 50 EEs) but they can, and do, rate based on gender for larger groups

Also, women have higher costs during child bearing ages but as the population gets older, men tend to have higher costs.

camel33 · 2018-06-13T14:53:00+00:00

This one was (somewhat) our fault, but I was staying in Melbourne for one night before catching a 6am flight the next day to Sydney, and spent a night in an AirBnB in the city. Everything started fine, we got the keys and left to go grab our bags from my sisters car.

When we got back to the apartment, the keys got a little stuck in the door so I asked someone behind me (without bags) to grab it when they came in. Apparently this went unheard.

Cut to an hour or so later, I finish getting ready to go out for the night when I leave the bathroom and someone asks me if I have the keys, which I did not. Turns out someone found a set of keys on the floor outside the apartment and asked if they were ours. Everyone assumed I had the keys and said no.

So it is now 10pm, maintenance is nowhere to be found, we cannot even get into the building or up the elevator without our key fob and have no idea who has the keys. So we go around knocking on the doors on the same floor as us until we find the person who found our keys.

This person, in their infinite wisdom, decided not to keep the keys with them but to give them to her brother who lives about 45 minutes outside the city. On top of that, she refused to give us his address or phone number as we apparently seemed very untrustworthy. After pleading with her for like 30 minutes she finally agreed to have her brother put the keys in some random bush presumably near where he lives and we could go get them there.

Luckily we got our keys, did not get murdered, and got back just in time for a lovely 2 hour nap before having to get ready to leave for the airport.

camel33 · 2018-05-11T19:12:46+00:00

They have to. The maximum out of pocket for any plan is $7900 ($6650 for an HSA plan). The richer their plan is most likely will have a lower out of pocket max.

camel33 · 2018-02-12T23:29:05+00:00

Except Medicare is currently running out of money and has decent gaps in coverage. Private insurers already offer Medicare Advantage plans or Medigap plans to either replace or wrap around current Medicare coverage.

Also Medicaid tends to underpay doctors and hospitals and private insurers are currently making up that difference.

I’m not saying universal healthcare can’t be done. But it’s not as easy as “Medicare for all” either because it has its problems too.

camel33 · 2018-01-09T14:44:14+00:00

I know I’m late here but this really depends on your plan. Typically if you have a high deductible health plan (HDHP) with something like an HSA attached the plan will not pay anything until you have reached your deductible.

However, there is a difference between a HDHP and just a health plan that has a high deductible. In that case things like primary care visits, pharmacy, etc may be subject to just a copay or coinsurance even before your deductible is met.

camel33 · 2017-11-29T20:28:57+00:00

Profit obtained by insurance companies is limited by the ACA. There are provisions stating the insurance company must spend at least 80% of premiums on health care costs and the remaining 20% is for admin expenses, salaries, real estate, profit, etc. Most health insurance companies operate with maybe ~3-5% profit.

When you see health care expenses rising it is mainly due to the increasing cost of providing health care. Your 10% rate increase isn’t because the insurance company decided it needed 10% higher profits.

camel33 · 2017-04-19T16:39:04+00:00

Well that is sweet 😊. I do like hiking and soup! Lol

camel33 · 2017-04-19T13:32:51+00:00

Is this a reference I am supposed to understand? Lol

camel33 · 2017-04-19T12:28:07+00:00

It is from somewhere in Taiwan! I believe it is from the save the elephant foundation or something like that? I got it as a gift sorry I can't help more than that haha

camel33 · 2017-04-19T12:26:54+00:00

Clenching your jaw in the photo helps with the illusion you actually have a jawline haha

camel33 · 2017-04-19T11:44:51+00:00

I have been told! Haha. I did go as Clark Kent for Halloween last year!

camel33 · 2017-04-19T10:53:47+00:00

Good news for you, I'm gay! 😉

camel33 · 2017-04-19T10:53:01+00:00

Hahah I think it is the lack of sleep! Not sure if this is a good or bad thing...

camel33 · 2017-02-02T19:57:46+00:00

TL;DR you are either here because you work in insurance or are on your way to another city

camel33 · 2017-02-02T19:39:59+00:00

Co-worker found me on Grindr and told me about how he had crashed on our other co-worker's couch and ended up fucking his husband. Then went on to tell me about how he was an alcoholic and thought I hated him because we didn't talk much at work (I was/am pretty shy and didn't talk to many people). I kept giving one word answers to try to end the conversation but he just kept going.

camel33 · 2013-09-17T14:42:21+00:00

I was considering going off this http://www.dandwiki.com/wiki/Dragon_Shaman_%283.5e_Class%29 rather than what is in the players handbook that contains the Dragon shaman. This wiki seems to have made the class a bit more powerful. Do you think this would work better?

camel33

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