Posted on 08/27/2019 3:36:15 PM PDT by The Houston Courant
Well then, stop having sex! I’m tired of paying for people’s Viagra and abortions! Oh, but we can’t talk about that.
So my point was, if I had a condition, and went to a new employer who also provided health insurance, it would have been considered a ‘pre-existing condition’ and the new insurance would not have paid it.
If you owned your insurance, you’d take it with you.
But that seems irrelevant (that it is included in my employment pkg) it’s always included whether you decide to take it or whether you decide to buy an expensive policy separately.
I choose the free one, it’s not like I’m going to get paid more if I don’t take it.
The best path to fixing it is an expansion of HSAs, and people buy individual or family insurance - either on their own, or as part of a cooperative or club to gain the advantages of pooling.
A young person’s actual insurance costs are less than a hundred dollars a month. The rest is cost shifting, insurance as a pre-payment plan, and government mandates (we know this because of some exemptions certain groups got from the ACA).
This post has shown the ugly side of some of the free republic posters. Where is the empathy? where is the “helping hands”, Go to your local church and get involved, find something you can do etc..most posts were veiled F’Y’s to a fictional character I made up. There’s medicade, what about opening a free clinic or a mental health clinic. If I was the 500# guy I made up, most of these replies would send me towards more food and back to bed because y’alls world is cruel and harsh. Public mental health clinic would go a LONG way towards stemming and identifying before its too late- some forms of mental illness.
“most posts were veiled F’Y’s to a fictional character I made up”
No, they are not.
Empathy does not equal $$ - $$ are just a way for encourage bad behavior. It is basic free market economics.
God, via the marketplace (and other ways) will fix bad behavior, if allowed. I don’t wish consequences on ANYONE, but as a parent, sometimes consequences are the best teacher in this life.
I cannot tell you how many food-addicted people I have heard speak of the evils of drugs and alcohol.
“Well then, stop having sex! I’m tired of paying for people’s Viagra and abortions! Oh, but we can’t talk about that.”
Let’s talk about it. What’s your point?
“Where is the empathy? where is the “helping hands”
Your fictional character wasn’t asking for empathy or help. He was demanding other people’s money and claiming he deserved it and that the government should take it and give it to him. That’s theft pure and simple.
“If I was the 500# guy I made up, most of these replies would send me towards more food and back to bed because y’alls world is cruel and harsh.”
Then my initial estimation would be proven correct. And here’s a clue for the made up fat man and you. The world is cruel and harsh. Deal with it any way you wish but don’t you dare expect me to clean up after you.
L
Transfers from one employer to another without a pre-existing condition exclusion have been mandated since 1989. Obamacare had nothing to do with that.
I have googled everything I can on the portability act and I can’t find anything that says what you stated. Perhaps I am not googling the proper thing. do you have a link or something that says that?
I did find this on HIPAA from 1996 but it says under ‘certain circumstances’
HIPAA, additionally, requires that employer-sponsored health plans are portable and non-discriminatory, but HIPAA does not require an employer to offer an employee health care plan. HIPAA covers the electronic disclosure of employees’ medical information. HIPAA also requires employers to cover employees’ and their dependents’ pre-existing health conditions under certain circumstances.
Point being, the government needs to get out of scores of areas in which it doesn’t belong. We need to get back to the Constitution.
I must’ve set my brain in bed before I got in when I replied to your post. I swear I missed your last sentence. :-P
The circumstances relate to the length of your prior coverage (one year) and the length of the time without coverage (63 days). Try this link https://www.insure.com/health-insurance/HIPAA.html
OK, how about this. Insurance rates are skyrocketing partially because insurers are forced to pretend to ignore the risk from pre-existing conditions. But....this ACA provision is somewhat popular with the public and somewhat understandably so. So how about this: don’t force insurers to issue to pre-existing. Have a government pool that charges them a multiple, say 2 or 3x or something (which would probably still be competitive with what they pay in the inflated Obamacare market), the rate they’d pay for their age and so on, if they didn’t have the preexisting condition. Then we’re not all having to pay our own insurance as if we had a PEC, though we still have to pay via taxes for any excess required for treatment not covered by the high premiums. The PEC people aren’t left without an option, and they’re still worse off than if they didn’t have a PEC. What’s not to like?
Oh, and plus, the “government option” to cover PEC can exclude sex changes, all the crap that Ebolacare forced into the policies that also skyrockets them, which will also help. Remove all coverage mandates for regular commercial policies and let people buy what’s actuarially sound (and needed, no more 60 year-olds paying for coverage for child delivery)
Medicaid.
I think you just proposed 2005. In the states that were operating them properly, high-risk pools were working okay.
Unfortunately, they didn’t offer an excuse for impoverishing blue-collar non Obama voters to the benefit of his “buds”.
I was 10, rather than 5, and it stayed in remission for 40 years. I didn’t even know that it could come back. No one knows why it returns.
I agree with Drago that high risk pools are the solution for hard cases. No single insurer is willing take on the risk except at exorbitant prices which no one can afford, so all will have to contribute to a pool to spread the risk. We can’t have orphan diseases leaving people without hope.
Not sure that is the case.
I remember a study done on babies born after the Belgium famine. I don't remember the details but 20 years later when the babies grew up some of these kids were 20 pounds heavier than the norm and some were 20 lower than the norm.
The explanation - years earlier there had been a famine - some mothers had little food in their first rimester and others in their third trimester.
Depending when the mothers were pregnant it turns out their child had a tendency to stay slim or gain weight.
Think about it. Physicians told all women in this country to keep their weight gain to less than 15 pounds when they were pregnant. Depending on when they restricted their diet, they may have had children who were overweight.
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