Tell me something about this pre condition BS. If it’s mandatory that the insurer cover your condition, is it mandatory that he charges you the same rates as a person without pre conditions?
Consider this: the insurer charges the pre condition client 100 times the rate of regular clients. Is that the intent?
Tell me something about this pre condition BS. If it’s mandatory that the insurer cover your condition, is it mandatory that he charges you the same rates as a person without pre conditions?
Consider this: the insurer charges the pre condition client 100 times the rate of regular clients. Is that the intent?
I might be wrong here but I seem to recall an ‘under the radar’ news story a little while back about the largest three (maybe 4?) health insurance providers having been successful in negotiating waivers or Grandfathered terms, or similar, that provided them an out for this requirement of Obamacare. If so, and if those insurers collectively insure upward of 60% of Americans (with coverage), then this debate is is a fruitless exercise.
OSI research for a substantiating link has not yielded anything worth posting.
Not all pre-existing are the same:
1. Genetic/nature
2. Nurture, lifestyle while a chld.
3. Nurture, lifestyle choices while an adult.
4. Results of negligence, crimiality of others
5. Results of true accidents
6. Results of heroism; sacrificed yourself to help others.
Insurance companies should be required to cover some with no surcharge.
But for adult lifestyle choices insurance companies and health providers should be allowed to charge as much as they can without restraint ... other than competition.
From drugs and alcohol to sexual promiscuity to gluttony and sky diving and football, most pre-existing cases and most medical costs are from life style choices.
The flip side of that statement is: In 5 states across the country, insurance companies can not discriminate against people based on their pre-existing conditions when they try to purchase health insurance directly from insurance companies in the individual insurance market.
In my state, "An individual applicant without prior coverage may have to wait for up to one year for coverage of a pre-existing condition." But after that, they are covered.
As a Type I diabetic, I can buy a vial of R Insulin for $25 at Wal-mart - a months worth. The needles cost $16 and last 3 months.
It’s actually how I’m stock piling. For other diabetics, friouk.com is a good place to buy a cold pack that stays cold forever.
I’ve been trying to get my Auto Insurance carrier to cover my pre existing automobile accidents. I haven’t had any luck so far.
definition: Insurance is a form of risk management primarily used to hedge against the risk of a contingent, uncertain loss...........key point uncertain
....With a known pre-existing condition, ie a known loss, being covered-—it cannot then be called Insurance.
It then fits the defintion of either welfare, or wealth redistribution
Insurance is all about risk pooling and works only because more premiums are being collected than losses being paid. If you allow large numbers of people to get insurance who are such bad risks that they will almost immediately have expensive claims without having paid any premium, the result is that rest of the risk pool will have to pay more to cover the costs of those who are making claims without having paid much in premiums. Imagine a life insurance company being forced to write large policies on people who are terminally ill with only a short time to live. That would work either.
For about the last 20 years, anybody who had employer insurance, COBRAed it, and used up all the COBRA has had to be offered insurance without a pre-existing condition exclusion, it’s federal law. There’s some timing hoops to jump through, and you pay for it, but you can get it. I took advantage of it in ‘97. So, the solution’s already there, it’s just little advertised because the politicians are getting more mileage out of touting a false “crisis”.
GGGrrrrrrrrrrrrrr.
Another dishonest republican I would never vote for.
He can do anything he wants, but at least be honest. Stop calling it insurance.
Promote and sell (more) welfare on its merits.
How many parasites can the working citizens support?
bfl
I have always had insurance thru work. BCBS. There has never been an issue with preexisting conditions, no waiting with a group policy here in PA.
May be different for individual but I’d venture to guess that the overwhelming majority of folks have group coverage thru work.