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Started By
Message
re: Covering preexisting conditions...
Posted on 8/7/20 at 9:35 pm to Green Chili Tiger
Posted on 8/7/20 at 9:35 pm to Green Chili Tiger
quote:
You gotta admit, it's a pretty fricked up system that bills one price to people that have insurance and
a different price to people that don't.
No, not really. Those differences in fees are based on contracts or the lack thereof.
1
Posted on 8/7/20 at 9:37 pm to NineLineBind
quote:
Insurance IS a scam
Only to stupid people that don’t know how it works. Everybody pays a little together it’s enough to replace the person that has a loss. If that hasn’t been you then you’re lucky.
As for health insurance, the system is a mess but you can’t allow people to just buy in when they find out they have an expensive condition...it screws up the math and costs everyone else way more.
This post was edited on 8/7/20 at 9:40 pm
Posted on 8/7/20 at 9:37 pm to Bham Bammer
quote:I do think that insurance company should be on the hook for that if that kind of stuff happens. It is bullshite.
I mean, if the guy develops MS while on his parents insurance and then has to go off at 25 and then is unable to secure insurance, that’s not a fault of his. And yes, that is unfair.
Posted on 8/7/20 at 9:37 pm to wackatimesthree
That may be the case but it’s fricked up. Non elective procedures and care should cost what it costs. Period.
Posted on 8/7/20 at 9:38 pm to stuntman
quote:
lolwut?
I hoped to never have to use the liability insurance I have for my company.
I got sued last year. Finally settled two months ago. It was worth every penny I've paid over the past 12 years.
Doesn’t sound like you’re talking about health insurance, car insurance, flood insurance, etc.
I just wish the law would let me decide how much risk I’m willing to take, instead of forcing me to purchase an item I don’t want and make me grab my ankles at every turn.
Posted on 8/7/20 at 9:38 pm to Bham Bammer
quote:
I mean, if the guy develops MS while on his parents insurance and then has to go off at 25 and then is unable to secure insurance, that’s not a fault of his. And yes, that is unfair.
It's unfortunate for him, but every point you just posted is based on a contract that he and his parents agreed upon with the insurance company.
There's nothing unfair about something they agreed to.
Posted on 8/7/20 at 9:38 pm to Bham Bammer
quote:
I mean, if the guy develops MS while on his parents insurance and then has to go off at 25 and then is unable to secure insurance, that’s not a fault of his. And yes, that is unfair.
Apples and oranges. That person was not uninsured in that case. The idea that you can do whatever you want, take any lifestyle risk, choose not to insure and then come back and have the insurer pay your way is not viable.
Posted on 8/7/20 at 9:38 pm to wackatimesthree
You are an idiot. I was 20 AND DID HAVE INSURANCE. But you see back then the insurance could drop you and they did. So I was dropped bc I was diagnosed with MS and then I was screwed. So please tell me about how I’m seeking an entitlement or it’s the same as vehicle insurance. Consequences of my choices. Pfft
Posted on 8/7/20 at 9:39 pm to Bham Bammer
quote:
That may be the case but it’s fricked up. Non elective procedures and care should cost what it costs. Period.
Are you saying that medicine shouldn't be able to make a profit?
Posted on 8/7/20 at 9:39 pm to CDawson
I don’t disagree there. Exceptions have to be made for certain situations.
Posted on 8/7/20 at 9:40 pm to wackatimesthree
No. I’m saying that charging one person $3 for a hamburger and another person $10 for the same hamburger is bullshite.
Posted on 8/7/20 at 9:41 pm to SquatchDawg
They increase rates for insurance company losing risked money invested by others to cover losses of the projected income for the company.
Posted on 8/7/20 at 9:41 pm to Cromulent
quote:
You are an idiot. I was 20 AND DID HAVE INSURANCE. But you see back then the insurance could drop you and they did. So I was dropped bc I was diagnosed with MS and then I was screwed.
Call me what you want but I am not the one whining on a message board.
True or false: whatever the insurance company did or didn't do, you agreed to their terms.
Posted on 8/7/20 at 9:42 pm to wackatimesthree
The option is to agree to terms of go uninsured. That’s not really a choice. 
Posted on 8/7/20 at 9:42 pm to wackatimesthree
Whining? The OP needed to be corrected. I’m stating facts. I’m sorry to ruffle your panties, Mr E Thug
Posted on 8/7/20 at 9:42 pm to SquatchDawg
quote:The people that say that are the same ones that think insurance companies shouldn't be for profit.
Only to stupid people that don’t know how it works. Everybody pays a little together it’s enough to replace the person that has a loss
Posted on 8/7/20 at 9:43 pm to Cromulent
quote:
You are an idiot. I was 20 AND DID HAVE INSURANCE.
There would have been less confusion if you would’ve told the whole story up front.
Posted on 8/7/20 at 9:44 pm to Bham Bammer
quote:
No. I’m saying that charging one person $3 for a hamburger and another person $10 for the same hamburger is bull shite.
So a company that buys 10,000 hamburgers a month shouldn't be able to negotiate a bulk rate with the hamburger place?
I'm kind of in favor of companies being free to agree to mutually agreeable business terms. It's called freedom.
And the mistake you're making is thinking that the regular price for the burger is $3 and the $10 burger is the special price. It's the other way around.
Posted on 8/7/20 at 9:45 pm to Cromulent
True was the answer.
And that's also a fact.
And that's also a fact.
Posted on 8/7/20 at 9:47 pm to wackatimesthree
As if you have the option to negotiate with insurers on the terms of a contract. “Uh yeah, I’m going to have to ask you to remove these clauses and exclusions before I sign”. Bone head.
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