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Started By
Message
re: How did Obama et al benefit from including pre-existing conditions
Posted on 1/11/25 at 8:40 am to idlewatcher
Posted on 1/11/25 at 8:40 am to idlewatcher
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.
And that’s when you really need health insurance.
Hold tight, young man.
Posted on 1/11/25 at 8:43 am to TBoy
quote:
Insurance companies were abusing the exclusion.
It’s a contract, you dumb idiot.
Posted on 1/11/25 at 9:08 am to BBONDS25
quote:
It’s a contract, you dumb idiot.
Is it negotiable by the consumer?
Posted on 1/11/25 at 9:16 am to TBoy
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 on 1/11/25 at 9:17 am to tigeraddict
quote:
universal health care
That system has limits on treatment eligibility too.
Posted on 1/11/25 at 11:24 am to TBoy
quote:
Is it negotiable by the consumer?
Of course. Moron.
Posted on 1/11/25 at 12:46 pm to midnight_chopper
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 on 1/11/25 at 12:50 pm to idlewatcher
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 on 1/11/25 at 12:50 pm to TBoy
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 on 1/11/25 at 12:51 pm to idlewatcher
They owned stock in the healthcare companies
Posted on 1/11/25 at 12:51 pm to oldskule
quote:
even Obama admits it
I’ve never heard this.
Posted on 1/11/25 at 1:07 pm to Fratigerguy
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 on 1/11/25 at 2:07 pm to TBoy
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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