From: Lindsey Jackson, Blue Cross Blue Shield of Montana
To: Blue Cross Blue Shield Montana clientsIn today’s world, planning health care expenses can seem like an overwhelming task. However, by proactively managing your health care and thoroughly understanding your insurance benefits, you can feel better about how you choose to spend your health care dollars.
Toward that end Blue Cross and Blue Shield of Montana is pleased to present Health Insurance Essentials education sessions through our Blue University℠ team; this is a select group of our staff dedicated to educating our members about how to most effectively use their benefits while navigating the sometimes confusing waters of the health insurance industry.
Beginning January 18, 2011, Blue University℠ will be hosting the Health Insurance Essentials program throughout Montana to help you learn how to:
Wisely use health insurance benefits
Access the right provider network
Proactively manage health care costsSign up today for one of the sessions below. If you have questions, call Lindsey Jackson at 406.437.5369 or send her an email at Lindsey_Jackson@bcbsmt.com.
Blue Cross and Blue Shield of Montana | 560 N. Park Avenue | Helena, MT 59604 | 1.800.447.7828 | http://www.bcbsmt.com
An independent licensee of the Blue Cross and Blue Shield Association, an association of independent Blue Cross and Blue Shield Plans. Registered and SM service marks of the Blue Cross and Blue Shield Association, a registered mark of BCBSMT, serving the residents and businesses of Montana.

To: Lindsey Jackson, Blue Cross Blue Shield of Montana
Re: Your offer to provide “Health Insurance Education”
Dear Ms. Jackson:
Thank you for your generous offer to provide me and former fellow Montanans with “education” regarding what you do for a living, which is screw us personally and mess up our health care in general.
I have another view of who is in need of education, and offer the following:
1. For-profit health insurance is bad public policy. Health insurance profit and quality patient care are at odds with one another.
2. Due to the profit motive, health insurers seek to avoid any client that might potentially be unprofitable.
3. Because of #2, health insurers created the term “preexisting condition.”
4. Because of #2, health insurers created “rescission.”
5. Because of #2, health insurers invest heavily in politicians so that laws contrary to public policy are passed. Hence, Obama’s health care “reform” package.
6. Because of #2, people with “preexisting conditions” (a term created by insurers) are forced into high-risk pools where generally they have to spend $12,000 or more before insurers pay $1.
7. Because of the high cost of adversely selected pools, people don’t buy in. Hence, millions of people who might get sick are uninsured, and you have conveniently avoided them. (That’s bad public policy.)
8. Because of #2, health insurers dumped senior citizens on government.
9. Because of #2, health insurers created the hugely profitable “Medicare Supplement”, where you pay 20% of approved Medicare expenses often at a higher price than Medicare charges for the other 80%!
10. Because of #2, health insurers created the hugely profitable Medicare “Advantage”, a subsidized programmed subtly designed to remove profitable clients from Medicare, leaving Medicare with the sick ones. (We spend our working days pining for the day we can get on Medicare and away from you. When finally we are able to join Medicare, there you are again. Weird!)
11. Because of health insurers reluctance to pay claims at all or in full, doctors and hospitals over-bill, hence driving health care costs upward and upward.
12. Because of greed and the profit motive, health insurers often skim 20% or more off the top of each health care dollar for their private use.
13. Because health insurers fear real competition, they convinced their in-pocket politicians to remove any kind of public option from health care “reform”, and want to force private citizens to buy their crappy products.
Hence, because of private health insurers, the United States has the worst health care system of the 34 industrialized democracies, with massive expenses, poor outcomes, and millions of uninsured.
You did this to us. You are leaches on our system. Your bosses are probably sociopaths. We can’t get rid of you because you are politically entrenched in our corrupt political system. You are part of the corruption.
So, how’s my education going, Lindsey? Want me to come lecture, or is the conference really for the purpose of blowing smoke up people’s asses?
Most sincerely,
Mark
PS: Lindsey, why don’ you write me?
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PS: It is true that BCBS of Montana is technically “not for profit”, meaning its overhead is 14% instead of 20%. However, its agents and executives are driven by the same motives and play in the same arena as the for-profits, and so are the same animal with a lighter coat.

















