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Message
Question to libs about prexisting conditions and high risk
Posted on 9/21/17 at 8:35 am
Posted on 9/21/17 at 8:35 am
After my mom's aneurysm a few years ago, my parent's premium jumped from normal to around $2600/month, because of being tagged as high risk.
So, liberals, is that fair? Making elderly people pay $2600/month for health insurance? How about we lump in high risk with prexisting conditions?
You guys willing to do that? If not, then why?
Edit: Mom's doing good now. Was a rough few years though. She wasn't expected to make it through the night.
So, liberals, is that fair? Making elderly people pay $2600/month for health insurance? How about we lump in high risk with prexisting conditions?
You guys willing to do that? If not, then why?
Edit: Mom's doing good now. Was a rough few years though. She wasn't expected to make it through the night.
This post was edited on 9/21/17 at 8:36 am
9
Posted on 9/21/17 at 8:45 am to i am dan
How much more should she have been charged before you were not okay with this?
Say her premium went from 'normal' to around $26,000 a month, as some pre-existing conditions will if Graham-Cassidy passes. Are you okay with her going into bankruptcy or forgoing insurance and thus needed care due to a condition which she had no control over?
Say her premium went from 'normal' to around $26,000 a month, as some pre-existing conditions will if Graham-Cassidy passes. Are you okay with her going into bankruptcy or forgoing insurance and thus needed care due to a condition which she had no control over?
Posted on 9/21/17 at 8:50 am to i am dan
Is it fair to make people in their 20s pay $300 a month that has a $7500 deductible?
Posted on 9/21/17 at 8:50 am to i am dan
I doubt any of our resident libs, especially the lying ones, will answer your question.
Posted on 9/21/17 at 8:51 am to BamaAtl
Who pays for it all? Why should I pay for his Mom's medical procedures? There isn't enough money to provide every single US citizen premium medical services from cradle to grave. There's a reason countries with single-payer have to tax the hell out of citizens and then they still need to be buy supplemental coverage on private markets.
You should be on your own, let charities provide services which can't be bought and paid for by the individual. Unleash the private market and allow it to fully underwrite risks and create innovative solutions to problems.
You should be on your own, let charities provide services which can't be bought and paid for by the individual. Unleash the private market and allow it to fully underwrite risks and create innovative solutions to problems.
Posted on 9/21/17 at 8:52 am to BamaAtl
Why answer my question with a question?
Posted on 9/21/17 at 8:54 am to BamaAtl
quote:
Are you okay with her going into bankruptcy or forgoing insurance and thus needed care due to a condition which she had no control over?
Not talking about ops mom anymore here but most people do have control over what's wrong with them
Most people that are 300 lbs+ will develop diabetes, most people that smoke all their life will develop emphysema or lung cancer, etc
Posted on 9/21/17 at 8:55 am to schexyoung
quote:
Who pays for it all?
Risk pools are a good concept for you to learn about sometime before this debate ends.
quote:
Why should I pay for his Mom's medical procedures?
Because we pay for your mom's, and yours.
quote:
There isn't enough money to provide every single US citizen premium medical services from cradle to grave.
This isn't true - or else every other OECD country wouldn't do it.
quote:
There's a reason countries with single-payer have to tax the hell out of citizens and then they still need to be buy supplemental coverage on private markets.
So now it's not that there isn't enough money, it's that you don't want to pay taxes instead of premiums? Make up your mind, little lady!
Posted on 9/21/17 at 8:55 am to i am dan
quote:
Why answer my question with a question?
Why assume that your question deserved more than a better question as a response?
Posted on 9/21/17 at 8:57 am to el Gaucho
quote:Right. People say "it's not fair for the person with PECs to pay higher premiums". Ok. Then why is it "fair" for others to pay higher premiums to cover the person with PECs?
Is it fair to make people in their 20s pay $300 a month that has a $7500 deductible?
It's crazy how our definition of "fair" has degraded. What's more "fair" then paying for what you consume? Consume a lot, pay a lot. Consume nothing, pay nothing.
Posted on 9/21/17 at 9:02 am to Taxing Authority
People like the lying BamaSJW think they can determine what is fair and what is not.
Posted on 9/21/17 at 9:04 am to i am dan
quote:
After my mom's aneurysm a few years ago, my parent's premium jumped from normal to around $2600/month, because of being tagged as high risk.
So, liberals, is that fair? Making elderly people pay $2600/month for health insurance? How about we lump in high risk with prexisting conditions?
You guys willing to do that? If not, then why?
No. This kind of thing isn't right. That's why we oppose the Republican efforts to turn these decisions over to insurance companies, with no limit on how badly they can treat people. Under any of these Republican proposals your mother would be significantly worse off, if she even had coverage to begin with.
Posted on 9/21/17 at 9:05 am to BamaAtl
quote:
Why assume that your question deserved more than a better question as a response?
Translation: "I didn't really have a good answer, so I threw your question back to you in a different way"
Posted on 9/21/17 at 9:07 am to BamaAtl
quote:
Why assume that your question deserved more than a better question as a response?
Okay, don't answer it.
Posted on 9/21/17 at 9:08 am to BamaAtl
quote:Tisk pools can print money?
Risk pools are a good concept for you to learn about sometime before this debate ends.
quote:Collectivism at its finest! Conceptually, it's silly. If you can stick your bills to your neighbor--your neighbor can stick you with his bills. You'd be better off just paying your own, as most peole are healthy.
Because we pay for your mom's, and yours.
We've tried the collectivism model already (privately) in the 20's-60's. Those models collapsed and disappeared in any appreciable numbers because risk-based insurance was far, far, less expensive.
quote:
This isn't true - or else every other OECD country wouldn't do it.
The US isn't the country it is because it's "just like everybody else". And popularity isn't an argument of merit. Brittney Spears was very popular at one point. Hard to argue she's a good singer. quote:Not to answer for the OP, but there isn't enough money to have our current expectation of care-on-demand at a price people are willing to pay. As I noted in the other thread last night... are you comfortable taxing people making $30k/yr at 45% of gross income--in the name of "fairness"?
So now it's not that there isn't enough money
Posted on 9/21/17 at 9:09 am to i am dan
quote:For the most part people are considered high risk because of preexisting conditions. So they are kinda lumped together.
How about we lump in high risk with prexisting conditions?
Obamacare just made it illegal to deny based on preexisting conditions if your state didn't already do that. That way your parents could shop around after the fact instead of getting locked in or dropping coverage.
Further, if your parents are elderly, why aren't they on Medicare?
Posted on 9/21/17 at 9:09 am to TBoy
quote:
That's why we oppose the Republican efforts to turn these decisions over to insurance companies
Why would you oppose it? Insurance companies wrote Obamacare, why would you not want them to continue to be involved.
Posted on 9/21/17 at 9:09 am to TBoy
So let's make everyone worse off by forcing them to pay for her claims/premium. Sounds nice.
Posted on 9/21/17 at 9:11 am to i am dan
quote:
Insurance companies wrote Obamacare
Insurance companies had input. Did you forget this guy?
He was one of the key architects of Obamacare and clearly understood that libs are too stupid to understand the shell game. He said as much.
Posted on 9/21/17 at 9:12 am to i am dan
quote:
How about we lump in high risk with prexisting conditions?
depends upon net effect on premiums.
I support the idea of larger insurance pools that spread risk and costs. That's sort of the theory with most insurance.
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