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Started By
Message
1
Posted on 5/8/17 at 10:56 am to InTheDetails
quote:
I lived it.
I'm surprised. According to BamaAtl, you should have fallen over dead in the street somewhere.
Posted on 5/8/17 at 10:58 am to AU_Right
quote:
I am self employed and have always had health insurance with BC/BS, so preexisting conditions were never an issue.
That makes sense. Do you have any conditions that would be considered to be a problem with a PEC clause?
The libs are fear mongering that everything is a PEC when that's not the case at all.
Posted on 5/8/17 at 11:05 am to SSpaniel
quote:
According to BamaAtl, you should have fallen over dead in the street somewhere.
Boom
Posted on 5/8/17 at 11:18 am to roadGator
quote:
Do you have any conditions that would be considered to be a problem with a PEC clause?
To be honest with you, I haven't even looked at it. As long as I make my monthly payments...I'm good. The GOP should not have touched it. I know every GOP candidate promised to repeal it, but without Obama secretly pumping billions into it now...it would have collapsed by the end of the year...or at least several States would have no providers.
Posted on 5/8/17 at 11:19 am to roadGator
quote:
Company folds: Options include COBRA, AHCA, find another job. So, not SOL.
Left her job: Options still include COBRA, AHCA find another job within 63 days. So, not in deep crap.
Cobra is steep but I know temporary. Her shopping again with the child mentioned is gonna be tough.
This is a big "for instance" but I wonder if an employer looks at this? Cold blooded but I could understand taking another applicant based on ease of getting them insured.
Posted on 5/8/17 at 11:22 am to LSU alum wannabe
quote:
Her shopping again with the child mentioned is gonna be tough.
What makes you think this? I'm honestly curious to see how well the dems are shaping the narrative.
quote:
This is a big "for instance" but I wonder if an employer looks at this? Cold blooded but I could understand taking another applicant based on ease of getting them insured.
There is no way for an employer to find our your health care status (unless you volunteer that info) or review your claims. Privacy laws prevent the release of your medical records.
Posted on 5/8/17 at 11:23 am to LSU alum wannabe
quote:
This is a big "for instance" but I wonder if an employer looks at this?
No. How could they? They wouldn't even know about it.
Posted on 5/8/17 at 11:25 am to ApexTiger
quote:
Pre existing conditions
If you maintain coverage, it should not be considered pre-existing, especially when you have no control over insurance company changes such as group plans through employers.
quote:
Do you think insurance companies should be mandated to cover these people?... (after the fact)
After the fact, no.
quote:
Instead of paying high premiums would you be willing to pay a tax dedicated to provide care for citizens with serious illnesses?
No. There are avenues for payment and support beyond taxing everyone else.
Posted on 5/8/17 at 11:26 am to AU_Right
Couldn't afford it because of pre-existing conditions.
Posted on 5/8/17 at 11:28 am to SSpaniel
quote:
I'm surprised. According to BamaAtl, you should have fallen over dead in the street somewhere.
Almost did! Get out of your bubble and gain some knowledge.
Posted on 5/8/17 at 11:30 am to NoHoTiger
quote:
it should not be considered pre-existing, especially when you have no control over insurance company changes such as group plans through employers.
People need to let go of this.
Pre ex does not apply when an employer changes carriers.
Posted on 5/8/17 at 11:34 am to InTheDetails
quote:
Almost did! Get out of your bubble and gain some knowledge.
quote:
Couldn't afford it
This sounds like your problem, not mine.
Posted on 5/8/17 at 11:38 am to InTheDetails
quote:
Couldn't afford it because of pre-existing conditions.
At some point your insurance lapsed between when you developed this condition and when you later wanted to purchase insurance.
What caused this lapse of insurance?
Posted on 5/8/17 at 11:46 am to AjaxFury
quote:
DID have insurance at the time of their injury, & either due to further medical issues were no longer able to work?
this should be covered under either workman's comp or disability.
quote:
What about people who were laid off & work for a new company with a different insurance carrier?
If you have continuous coverage either through COBRA, a new group plan, or even a stop-gap plan in the case you are describing, this should not be considered for denial of coverage in my opinion. I would even say that a lapse in coverage up to 6 months due to job loss beyond your control could be considered continuous coverage for pre-existing conditions' sake.
The biggest issue I see is those who float through life with no coverage because they are young and healthy or just don't want to spend the money on insurance. Then they are hit with something that could be financially catastrophic and they expect others to foot the bill.
Posted on 5/8/17 at 11:47 am to Eurocat
quote:
a verifiabkle pre-existing condition put him on Medicare.
I would add to cover that particular condition. Pre-existing conditions mean that particular condition is not covered not that all your conditions are not covered.
Posted on 5/8/17 at 12:05 pm to NoHoTiger
quote:
The biggest issue I see is those who float through life with no coverage because they are young and healthy or just don't want to spend the money on insurance. Then they are hit with something that could be financially catastrophic and they expect others to foot the bill.
I agree 100% w/ this. It just sucks that outlier cases would get screwed over, such as someone wrongfully incarcerated w/ excessive bail who was later exonerated.
This person now has a gap of over 6 months of coverage thru no fault of their own. It is difficult to account for every anomaly, but that persons' family could be FUBAR in that exercise.
Posted on 5/8/17 at 12:06 pm to BamaAtl
quote:
Estimated 45,000 were a year in 2009 due to lack of insurance.
No. No one dies to lack of insurance. There are hospitals and physicians that will treat patients regardless of ability to pay. Most hospitals are required by law (or used to be required) to provide charity care for patients based on the billed dollars. There are charities and other programs avaialable to help people pay.
And, the patients don't have to know about them in advance. Show up to the hospital and seek treatment. Tell the hospital you cannot pay. They will hook you up with a financial counselor who will help secure funding for the visits and treatment.
Posted on 5/8/17 at 12:14 pm to NoHoTiger
quote:The masterful BS here is that BA will also cite stats showing 100K die in a year d/t to "medication errors" when he's trying to promote how awful our medical care is. Given that stat though, it sounds like lack of insurance actually saved lives.
No one dies to lack of insurance.
Posted on 5/8/17 at 12:20 pm to LSU Wayne
quote:
genetic congenital conditions
In my opinion, these should be covered by Medicaid. That would ensure her continued coverage and she won't miss needed treatment. Additionally, this would lower the risk as she is not contributing to the utilization of your policy and impacting the insurance company's P&L.
Just my opinion.
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