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Devon selling FAKE Insurance from Liberty Sharing FRAUD! “For generations, members of the Beers family of Canton, Ohio, have used Christian faith to sell health coverage to more than a hundred thousand people like Martin. Instead they delivered pain, debt and financial ruin, according to an investigation by ProPublica based on leaked internal documents, land records, court files and interviews. They have done this not once but twice and have faced few consequences.”
Bringing in $300 million a year and not regulated by the States’ Insurance Commissioner, who could ask for more? Call 1-800-ICBible God has your back but not the Insurance commissioner. The States need a PROMISE Commissioner.
WHO would have thought GOD would let you down, right Devon?
There is a long interview about Liberty Sharing’s fraud on a podcast called Majority Report.
Thanks for linking to the comments of Charles Frohman on sharing plans. He is a thoughtful observer on a very difficult subject.
He is correct that many insureds gloss over their medical history on application, because they don’t want to believe that the carrier will really enforce the pre-existing conditions clause all that harshly.
This is a problem not only in individual health insurance, but in disability insurance and long-term care insurance as well. We have a need for widespread social coverage, but the business model of most carriers only works for healthy people. This gap was filled clumsily by ObamaCare for health insurance. Social Security and Medicaid fill the gap clumsily for disability and long-term care insurance. Mr. Frohman does not solve it but I don’t blame him.
Finally I am little suspicious about the allegation that mainstream carriers reject 30% of claims. I wonder how much of that 30% refers to claims that have to be refiled because a code was missing or a date was unclear. If 30% of claims were totally denied, the bankruptcy courts would be overflowing and they are not.
It is interesting that private car insurance does not seem to have a problem with covering bad drivers. The insurance companies of course want to cover good drivers, but they have some kind of agreement to take a certain number of bad risks also. There is no need for a federal
car insurance Obamacare.
For home insurance, there is a need for government coverage of bad risks. We just pay taxes for this and there is not a lot of political resistance.