Posted on 08/27/2019 3:36:15 PM PDT by The Houston Courant
The issue is not (or should not be) with people who want to buy insurance after they get sick. The problem is people who get insurance from their employer, then get sick, then change jobs. The new employer's insurance will refuse to cover pre-existing conditions; that refusal is what Obamacare banned.
Health care or health insurance? They are two different things. Like my car, I get it checked regularlly and change oil at regular intervals. I don’t ask my car insurance to pay for that. I either get a service contract with a dealership or some other pep boys or do it myself for that.
I would get away from the pre-existing condition talk, and perhaps offer large tax incentives to employers who can get their employees into health and weight loss programs, and track the outcomes. We simply cannot continue on the current track as a Republic. The people who are 50 to 100# overweight affect my insurance premiums by virtue of their higher average medical costs. I am tired of paying for fat people who refuse to eat properly and refuse to use self-control. There are a LOT of them.
“If you get to buy the insurance after you have the wreck it’s not insurance, it’s welfare.”
No it is not welfare. Not how it works. If you have no insurance and come down with cancer or have an accident you cannot go out and buy insurance.
You have to wait until the open enrollment window which starts in January each year. If you had a accident in Sept and your insurance starts jan 1st they would not go back and cover your accident claims in September.
I am in the health insurance business. As others said 95% of people in this country have some sort of Pre ex.
Pre ex needs to be covered. If Republicans voted against pre ex they would never again get elected to any office.
Can the eliminate e-existing conditions, giving me a life do-over?
” Healthcare is the single biggest issue affecting voters in this election cycle.”
Attention HoustonCourant, NOT!; i.e. a lie.
Cash for consulting... its billed as “out of network consult”
Here’s the solution so simple that I’m embarrassed I didn’t think of it myself...If you like your doctor than you can keep your doctor (subject to the fine print that no one will want to read).
“The people who are 50 to 100# overweight affect my insurance premiums by virtue of their higher average medical costs.”
35 years ago when I started in health insurance I would walk in say a 20 person group. Out of that 20 employees, 3-5 would have diabetes, HBP etc. Rest were healthy.
Now it’s 14-15 out of that 20 that have diabetes, HBP etc.
All due to the ravages of obesity this country is experiencing.
I think a lot of people on FR don’t read well...
“On what do you base your claim to deserve health care ?”
Simply bad logic on your part - I’ve never stated ANYWHERE about ‘deserving’ healthcare.
Additionally, who DESERVES ‘free automobile service?’
Who DESERVES ‘free retirement?’
I have ‘NO claim for deserved’ healthcare — I DID receive healthcare as I needed emergency treatment — the same ‘healthcare that illegal aliens receive — I just PAID for the service...
WHAT IS YOUR BEEF WITH ME?
Considerably before ObamaCare, Federal law provided mandatory coverage for anyone coming off an employer provided policy who’d exhausted their Cobra coverage. The primary impediment to the utilization of that law was that former employees, facing having to pay 2% more than their employers, frequently declined COBRA coverage. The pre-existing condition coverage issue is more one of having someone else pay for it than its availability.
” The primary impediment to the utilization of that law was that former employees, facing having to pay 2% more than their employers, frequently declined COBRA coverage. “
The 2% Cobra fee was never an impediment. The $1500-2000 or more per month premium was the impediment, not the $30 Cobra fee.
Half of my employer groups never charged the 2% fee.
Breadwinners are the one usually with the insurance and if they were layed off or made p/t the reason they never took Cobra was due to no or little income to pay the premium.
That refusal was already addressed by HIPAA’s “shall issue” requirements that applied to every insurance company selling individual policies. I lost coverage upon early retirement, exhausted COBRA, then was declined coverage by my insurer. I then exercised my HIPAA right, and they covered me. This was long before ObamaCare. It wasn’t a heavily advertised right, primarily because the real reason for those in that situation becoming uninsured was declining COBRA due to sticker shock associated with having to pay what their employer had paid, but it was, (and, I believe, still is) a law that’s on the books.
Example: Millions of people smoke...but only a percentage get lung cancer.
I think we’re saying the same thing. The insurance fee under COBRA was a maximum of whatever the employer had paid for the coverage, plus (optionally) 2%. The sticker shock came because employees rarely paid the full amount for their coverage while on the job.
Disclaimer: Opinions posted on Free Republic are those of the individual posters and do not necessarily represent the opinion of Free Republic or its management. All materials posted herein are protected by copyright law and the exemption for fair use of copyrighted works.