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Has anyone here avoided "job lock" because of the Health Insurance Portability and Accoun
Posted on 8/22/20 at 10:52 pm
Posted on 8/22/20 at 10:52 pm
... Health Insurance Portability and Accountability Act of 1996?
I know I have greatly! I could not have gotten out of Louisiana without it!
The Health Insurance Portability and Accountability Act of 1996: the principal purpose of the law was to put an end to what was known as “job lock.” That happened when people with preexisting health conditions were afraid to leave one job with insurance for another job with insurance because the new insurance would not cover his or her condition, or would impose long waiting periods.
I know I have greatly! I could not have gotten out of Louisiana without it!
The Health Insurance Portability and Accountability Act of 1996: the principal purpose of the law was to put an end to what was known as “job lock.” That happened when people with preexisting health conditions were afraid to leave one job with insurance for another job with insurance because the new insurance would not cover his or her condition, or would impose long waiting periods.
This post was edited on 8/22/20 at 10:53 pm
4
Posted on 8/23/20 at 6:39 am to AlwaysPutsSeatDown
I did.
Posted on 8/23/20 at 6:43 am to AlwaysPutsSeatDown
Thanks for driving the rest of our premiums up! 
If you wondering why healthcare costs are out of control, take a look in the mirror. Insurance refers to it as Adverse Selection.
If you wondering why healthcare costs are out of control, take a look in the mirror. Insurance refers to it as Adverse Selection. This post was edited on 8/23/20 at 6:56 am
Posted on 8/23/20 at 6:59 am to AlwaysPutsSeatDown
quote:
people with preexisting health conditions were afraid to leave one job with insurance for another
Did yours involve mental health condition?
Gender dysphoria?
This post was edited on 8/23/20 at 7:01 am
Posted on 8/23/20 at 7:03 am to AlwaysPutsSeatDown
Your derangement would not have been considered a pre-existing condition.
Posted on 8/23/20 at 8:33 am to AustinTigr
quote:
Thanks for driving the rest of our premiums up! ? If you wondering why healthcare costs are out of control, take a look in the mirror. Insurance refers to it as Adverse Selection.
Pre-existing conditions is one of the things I agree with the left on. All the people that complain about it are not considering the people screwed over by it. It is not just people that wait until they have an illness to get insurance.
If you are on your parents insurance and see a doctor as a teenager, then it's a pre-existing condition when you try to get your own insurance. If you work 20 years and get laid off but can't afford the absurd COBRA premiums, then when you get a new job and try to get insurance, it is a pre-existing condition. These people should not be fricked over.
If you want to bitch about high insurance premiums, then blame the illegals and the welfare crowd.
Posted on 8/23/20 at 8:46 am to TenWheelsForJesus
quote:
Pre-existing conditions is one of the things I agree with the left on. All the people that complain about it are not considering the people screwed over by it. It is not just people that wait until they have an illness to get insurance
The idea that you could not get insurance with a PEC was (and is) a falsehood. Your premium was higher and your coverage for that PEC was subject to a waiting period. Health insurers are not welfare agencies, but that is what HIPAA and ObamaCare has turned them into.
Posted on 8/23/20 at 9:09 am to TenWheelsForJesus
quote:
If you want to bitch about high insurance premiums, then blame the illegals and the welfare crowd.
How does that work ?
The welfare crowd has Medicare/Medicaid not private insurance.
Illegals might drive up the cost of healthcare for cash patients but insurance companies do not pick up the tab for that.
Insurance companies are for profit. They will not pick up the tab for freeloaders.
An EOB (explanation of benefits) from your insurance provider clearly states this by the discount they receive on behalf of their policy holder.
Pre-existing conditions will drive up the cost for policy holders if their insurance company is forced to provide coverage for pre-existing conditions by our wonderful government.
I think people with pre-existing conditions should be able to get health insurance.
The problem is they want others to help subsidize their costs. They want the best of both worlds.
That's why few people sympathize with them.
By the way , the company I work for provides healthcare for everyone they hire , including their spouse and children even if they have a pre-existing condition.
This post was edited on 8/23/20 at 9:45 am
Posted on 8/23/20 at 10:16 am to TenWheelsForJesus
quote:What about the Healthy people that get screwed with the higher premiums to pay for those with PECs?
Pre-existing conditions is one of the things I agree with the left on. All the people that complain about it are not considering the people screwed over by it.
When PECs are included, insurance is no longer insurance. It’s wealth transfer.
quote:Actually you should blame people with known conditions that want to dump their cost onto others via “insurance” for your outrageous premiums.
If you want to bitch about high insurance premiums, then blame the illegals and the welfare crowd.
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