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re: How did Obama et al benefit from including pre-existing conditions

Posted on 1/11/25 at 8:40 am to
Posted by Grassy1
Member since Oct 2009
7330 posts
Posted on 1/11/25 at 8:40 am to
If you don’t have a condition, beware, it just happens one day.

And that’s when you really need health insurance.

Hold tight, young man.
Posted by BBONDS25
Member since Mar 2008
56638 posts
Posted on 1/11/25 at 8:43 am to
quote:

Insurance companies were abusing the exclusion.


It’s a contract, you dumb idiot.
Posted by TBoy
Kalamazoo
Member since Dec 2007
27436 posts
Posted on 1/11/25 at 9:08 am to
quote:

It’s a contract, you dumb idiot.

Is it negotiable by the consumer?
Posted by midnight_chopper
Member since Mar 2018
716 posts
Posted on 1/11/25 at 9:16 am to
quote:

Also, most people get insurance through their employment. So, change jobs, you pay full price for your premium and also pay full price medical expenses out of pocket for a year. Change jobs again, another year with no coverage.


I don’t know what insurance you had, but every time I changed jobs and insurances, I received a request proving I had prior insurance in order for them to cover a “preexisting condition”. Once I provided the proof, they covered the condition.
Posted by TrueTiger
Chicken's most valuable
Member since Sep 2004
79850 posts
Posted on 1/11/25 at 9:17 am to
quote:

universal health care


That system has limits on treatment eligibility too.
Posted by White Bear
AT WORK
Member since Jul 2014
17206 posts
Posted on 1/11/25 at 9:19 am to
Vote purchase
Posted by BBONDS25
Member since Mar 2008
56638 posts
Posted on 1/11/25 at 11:24 am to
quote:

Is it negotiable by the consumer?


Of course. Moron.
Posted by TBoy
Kalamazoo
Member since Dec 2007
27436 posts
Posted on 1/11/25 at 12:46 pm to
quote:

I don’t know what insurance you had, but every time I changed jobs and insurances, I received a request proving I had prior insurance in order for them to cover a “preexisting condition”. Once I provided the proof, they covered the condition.

And that system was imposed by federal law in the 1996, and only applied to employment provided group policies. When I started working in the 1980s there was no such system. The ACA in 2010 made the pre-existing condition denial unlawful for all policies.

There has never been an ability by a private consumer to “negotiate” the language of a health insurance policy. You can’t get a proposed policy and redline, strike and add and then send it back for acceptance by the insurance company. Insurance policies are entirely adhesion contracts. Despite the lie above that health insurance contracts can be negotiated by a consumer, they simply aren’t.
Posted by Harry Boutte
Louisiana
Member since Oct 2024
3666 posts
Posted on 1/11/25 at 12:50 pm to
quote:

risk assessment is a necessity

Yep, people with "pre-existing" medical conditions don't deserve affordable medical care. It's probably their own fault, some poor decision on their part.

frick 'em.
Posted by Fratigerguy
Member since Jan 2014
4913 posts
Posted on 1/11/25 at 12:50 pm to
quote:

Insurance companies were abusing the exclusion.


bullshite. But it is being abused now, tremendously. Folks won’t get healthcare. They find out they need a surgery or something, jump on the marketplace and find a policy, go get said surgery or care, and then quit paying their premiums. Happening every damn day.
Posted by MintBerry Crunch
Member since Nov 2010
5793 posts
Posted on 1/11/25 at 12:51 pm to
They owned stock in the healthcare companies
Posted by TheHarahanian
Actually not Harahan as of 6/2023
Member since May 2017
22968 posts
Posted on 1/11/25 at 12:51 pm to
quote:

even Obama admits it

I’ve never heard this.
Posted by TBoy
Kalamazoo
Member since Dec 2007
27436 posts
Posted on 1/11/25 at 1:07 pm to
quote:

But it is being abused now, tremendously. Folks won’t get healthcare. They find out they need a surgery or something, jump on the marketplace and find a policy, go get said surgery or care, and then quit paying their premiums.

And you can thank republicans for repealing the insurance mandate.

But of course, you oppose a mandate that everyone pay in to get coverage, and you oppose any requirement to insure existing conditions, and you want to go back to the time of millions of uninsured showing up at hospitals for no-revenue emergency treatment. And you also want to repeal the requirement that hospitals are required to provide emergency treatment to the uninsured.

So really, what you want is the Calcutta model where the impoverished sick and dying have nowhere to go except to the Mother House, where the Sisters of Charity will try to make them comfortable as they suffer and die.
Posted by Tarps99
Lafourche Parish
Member since Apr 2017
11457 posts
Posted on 1/11/25 at 2:07 pm to
quote:

Health insurance is not insurance against loss, like coverage you buy to cover replacement of your home. It is a group funded cost spreading device. It covers routine care as well as accidents.


Health Insurance is like a warranty on a Ford. It covers everything that breaks down and pays for pretty much everything, but expect to be hassled if you didn’t change your oil or miss service interval. Because you will get denied a time or two.
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