IBTZ
Best not to mention ZOTs in the title. That kind of invites a ZOT.
BamsterDeathCare is not good for anyone. It will cause a severe shortage in doctors. For one, existing docs will quit, secondly there will be no incentive for potential new docs to go through the ordeal of medical school only to be underpaid and overworked within the gov’t gristmill.
ObamaDeathCare will ruin the best healthcare system in the world.
If you think heathcare is expensive now...
wait until it’s FREE.
The correct answer is:
If the government hadn’t screwed up the healthcare market by advantaging the purchase of healthcare through employers, you would have bought a plan that covers these situations in a free market.
Which just goes to show, there is no problem created by government interference in markets that liberals won’t use as an excuse to create even more government interference in markets.
The correct solution is that individuals should have the same tax benefit allowed to employers for the purchase of health insurance. That would quickly move the whole country from an employer captured system to an individually purchased system, like Term Life Insurance.
Getting to that point is tough, but do-able. What should probably occur is a temporary (say 6-month) period in which everyone can sign up for personally purchased insurance with pre-tax dollars. Those who are refused due to pre-existing conditions (your sons) should be subsidized by the state so that their costs are roughly in line with people without pre-existing conditions. This would be a one-time sign-up process. If you miss the boat, you’re out of luck.
Insurance companies can function when they are in the business of covering RISKS. They cannot function when they are merely the absorbers of COSTS that others wish to foist upon them.
Obama’s ‘plan’ is bad because it would force people to buy “health insurance,” and destroy our freedom.
Smart people figure out that staying healthy is the easiest thing in the world: Eat only real food, don’t take any drugs of any kind, and stay at least 300 feet away from anyone that prescribes drugs.
It’ll also cut your food costs to the bone, since fake food is expensive, and real food is cheap.
ZOT
Yeah, I'm being a bit facetious, but given what is going on in other countries (and in states within the U.S. that have government run healthcare), that is not too far fetched.
If you have to ask why it’s so bad, you haven’t been here 5 years
So....he screwed up, and you'd like everyone else to pick up the tab? Actions have consequences.
My insurance still covers him. But once he hits 22-23, he will also be dropped by the insurance company. What can he do?
Keep continuous coverage. Get a job. Take the time that he has now, to make sure that all of his bases are covered.
You should continue, or should have continued them on COBRA until they got work benefits. The only way pre-existing conditions count as a denial of insurance is when you let them lapse for more than 60 days. I know COBRA is expensive, but in your two sons cases, in the long run, it would have been worth it.
You need to do a lot more research than just asking the question on a discussion forum.
There are plenty of options available to each of your sons. That alone tells me that you are doing nothing but making an ad-hominom attack on conservatives.
So, here is my response:
Keep your laws off my BODY!
When this “health care for all” crap passes, right now the legislation states that it will be illegal to sell private policies over the date of passage. It also says that HSA’s will no longer be allowed. That means that my current policy will no longer be allowed and neither I nor my employer will be allowed to privately purchase an alternative.
I will not accept the “public option” that I will be dictated to join. I will not give the government control over my physical body. I will not pay their fines, I will not surrender to the impending warrant for my arrest. When they knock on my door, I will not answer. When they kick it in, I will make the news.
How’s that for unification, libtards? You loons are currently legislating my death. I will chose the terms and I will bring as many of you along as possible!
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“That to secure these rights, Governments are instituted among Men, deriving their just powers from the consent of the governed, —That whenever any Form of Government becomes destructive of these ends, it is the Right of the People to alter or to abolish it, and to institute new Government,..”
Well, you do get +1 point in my book for using a cool Alarm lyric as your screen name.
Other than that, though...putting “don’t zot me” in a threat title is basically like throwing a bucket of fish guts into the sea and yelling “OK, SHARKS, DON’T EAT IT!”
}:-)4
I am sorry that some people here are giving you a hard time. Medical situations can put you between a rock and a hard place.
I have had two craniotomies (meaning drilling into the old noggin to remove a benign tumor on two separate occasions) and can pretty much only get Blue
Cross Blue Shield at their highest insurance rate. I accept the fact that I pay a lot more than most people because of the surgeries. It is fair that people without this medical history pay less.
The insurance available to you depends on the state in which you live, but I don’t think that Blue Cross Blue Shield can turn people away in any state. I have also spoken with insurance brokers on two separate occasions in order to see if I could reduce the rate somehow, and I know that this is my only option at present, one which I can fortunately afford. I would advise you to:
a. Speak to someone who knows insurance.
b. Find out the rates at Blue Cross Blue Shield in your state.
I’m no expert, but this is what I know.
If you’ve been a member here for 5+ years, how can you have just signed up?
And begging to not get zotted is a sure way to attract attention.
This all really cuts into your credibility.
As for the problems with your sons, sorry to sound so hard nosed about it, but they’re not the only ones in that position. Why should we have to pay for it if you don’t want to?
I have my own financial problems. I don’t need yours as well. If someone wants to help you out of their own free will, that’s their choice.
Don’t compel me to do it through obama care.
Obama's plan may indeed force some people to pay to help your sons. That's not insurance. That's a subsidy.
How do you feel about that? Some people believe it's a form of stealing. Is stealing justified here?
It's a classic moral dilemma.
I am a small businessman that developed bladder cancer 12 years ago. Although I have been free from it for 6 years, I have been unable to change insurance companies. Naturally my premiums have skyrocketed thru the years. Here is the problem. Life is not fair. To ask an insurance company to cover a pre existing illness would completely bankrupt the industry. For example, when Congress talks about doing away with this exemption from coverage, are they familiar with credit life insurance? I really don’t know. How sweet it would be to be diagnosed with terminal cancer and be able to buy a new car for your wife, put accident and health insurance on it and have it paid for when you died. To even discuss forcing an insurance company to cove pre existing illness is to suspend all logic.
This is (or at least is supposed to be) a free country.
If you don’t have Health Insurance, you have 3 choices:
1) Buy some
2) Get a job where it’s available
3) A combination of 1&2
If this Obamacare crap gets passed:
1) The private health insurance industry will collapse (See Auto Industry, Maunfacturing Industry, et. al.)
2) The Healthcare will be sub-standard, and care will be rationed
3) We will all be further in debt
And, since you’ve posted no reply to this thread since you posted it:
IBTZ
Others have probably asked this already, but...
If you’ve been here for five years, and “68gunswillneverdie” joined today, what was your former screen name?
In all seriousness, if you won’t answer that question you WILL get the zot. I’ve seen the Mods tolerate all sorts of tomfoolery from someone up until he deploys the “I’ve been a member here for years but can’t tell you who I am” gambit. Then the lightning goes forth.
Have you tried snake oil yet?
At least the latter has truth in advertising.
Great. Not to sound unkind, but I find it a bit annoying that out-of-staters come here to use MY tax dollars for health care.