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Started By
Message
1
Posted on 9/21/17 at 9:14 am to mmcgrath
quote:
For the most part people are considered high risk because of preexisting conditions. So they are kinda lumped together. 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?
Of course, denying coverage isn't the real problem. Insurance company A can say we aren't going to deny you coverage, but you will pay an astronomical amount for that coverage.
Let's keep PECs and high risk separate for the purpose of this conversation.
My parents were not old enough to be on Medicare at the time.
Posted on 9/21/17 at 9:17 am to SSpaniel
Fired again.
He's been fired by VT and NC.
He's a fraud through and through but the Dems used his fraudulent behavior to their advantage. They tricked their entire base.
He's been fired by VT and NC.
He's a fraud through and through but the Dems used his fraudulent behavior to their advantage. They tricked their entire base.
Posted on 9/21/17 at 9:18 am to i am dan
"High risk" will expand to the new pre existing condition.
You have already gotten all the answers.
A. Your moms a FATASS !
B. I'm 30 why should I. Pay for her old arse.
C. Death panels.
There is no answer.
I will toss my old answer out there. Real world fee for service is needed in health care with a two headed system. Cash only and insurance. A single payer model with a supplement is needed. Also policies sold nationwide and not just state to state.
You have already gotten all the answers.
A. Your moms a FATASS !
B. I'm 30 why should I. Pay for her old arse.
C. Death panels.
There is no answer.
I will toss my old answer out there. Real world fee for service is needed in health care with a two headed system. Cash only and insurance. A single payer model with a supplement is needed. Also policies sold nationwide and not just state to state.
Posted on 9/21/17 at 9:19 am to roadGator
quote:
So let's make everyone worse off by forcing them to pay for her claims/premium. Sounds nice.
My dad is a retired welder at Georgia Pacific. Grew up paperwooding from age 14-21. Hard life. He's not the kind of man that sits around. He started doing renovation work to help pay for the increased coverage. He would've worked anyway.
He wouldn't let my brother or myself help out. He did it. He has always handled his own shite. Now, my mom on the other hand... just sits around looking at facebook.
Posted on 9/21/17 at 9:21 am to i am dan
Are fricking telling me that your parents took the liberty of being responsible for themselves?
NO fricking way. It's impossible. This is America. You are supposed to just get in a line with your hand out. 
Glad your mom is OK.
NO fricking way. It's impossible. This is America. You are supposed to just get in a line with your hand out.
Glad your mom is OK.
Posted on 9/21/17 at 9:22 am to LSU alum wannabe
quote:
A. Your moms a FATASS ! B. I'm 30 why should I. Pay for her old arse. C. Death panels.
A. My mom weighs about 110 lbs.
B. She is old and crazy.
C. She used to use a switch on me when I was a kid, so death panels are tempting.
Posted on 9/21/17 at 9:27 am to roadGator
quote:Leftists prefer to call that "fairness".
So let's make everyone worse off by forcing them to pay for her claims/premium. Sounds nice.
This post was edited on 9/21/17 at 9:28 am
Posted on 9/21/17 at 9:29 am to VOR
quote:see roadGator.... "fairness".
I support the idea of larger insurance pools that spread risk and costs.
quote:Nope. Not all. You've confused collectivism wth risk mitigation.
That's sort of the theory with most insurance.
Posted on 9/21/17 at 9:31 am to i am dan
quote:So the remaining question is "Is it fair?" And we are no longer talking about an "elderly" couple?
Let's keep PECs and high risk separate for the purpose of this conversation.
My parents were not old enough to be on Medicare at the time.
In that case, that is why
1) the risk corridors were created to reduce some of the extreme premiums
2) government subsidies were applied based on income
and
3) Medicare / Medicade was boosted to help anyone in critical need.
Since the premium hikes existed without Obamacare and people who were high risk / had PEC were in much worse shape, where do you think the problem lies? Why was this thread directed to "libs?"
This post was edited on 9/21/17 at 9:32 am
Posted on 9/21/17 at 9:38 am to mmcgrath
quote:
the risk corridors were created to reduce some of the extreme premiums
Wrong. They were created to encourage insurance company participation in the marketplace because they knew there was no way to underwrite the uninsured.
Posted on 9/21/17 at 9:53 am to VOR
quote:
I support the idea of larger insurance pools that spread risk and costs. That's sort of the theory with most insurance.
This. IMO if you sign up for health insurance and pay into it for years, you shouldn't be extremely penalized for when you get cancer or any major condition that costs a lot of money. What's the point of insurance if they can just up your premium to an amount you can't afford if you get a sever condition? The point of insurance is to protect you in bad times, not pull the rug out under your feet when those bad times happen. Should everyone get separate insurance for severe conditions that's more affordable?
This post was edited on 9/21/17 at 9:54 am
Posted on 9/21/17 at 9:55 am to i am dan
quote:
Okay, don't answer it.
I did answer it.
Posted on 9/21/17 at 9:57 am to Taxing Authority
quote:
ou'd be better off just paying your own, as most peole are healthy.
Yeah, if you're sick, you should die in a gutter somewhere. We don't need to worry about the filthy sick people in the US.
quote:
there isn't enough money to have our current expectation of care-on-demand at a price people are willing to pay.
Sure there is. Every other OECD country in the world has figured it out, are you saying we're dumber than them?
quote:
taxing people making $30k/yr at 45% of gross income
That's an odd %, and in no way supported by facts. Your incorrect fantasy on how high taxes might go to prevent a policy you disagree with doesn't change reality.
Posted on 9/21/17 at 9:58 am to SUB
quote:
IMO if you sign up for health insurance and pay into it for years, you shouldn't be extremely penalized for when you get cancer or any major condition that costs a lot of money.
You don't want insurance then. You want single payer with higher taxes. Hopefully, it comes with a unicorn.
I've never had an auto insurance claim. If I cause three accidents in three months do you think the insurance company should not be able to charge me more because of the new risk I've presented?
Posted on 9/21/17 at 9:59 am to BamaAtl
quote:
Sure there is. Every other OECD country in the world has figured it out,
quote:
our current expectation of care-on-demand
no they haven't
see: long waits for care in countries like Canada and the UK
those countries do not have anywhere close to "our current expectation of care-on-demand". they have "care-upon-wait"
Posted on 9/21/17 at 10:00 am to BamaAtl
Please tell us what tax rate will be required for your socialistic plan to convert to single payer?
If it's not 45%, what is it?
If it's not 45%, what is it?
Posted on 9/21/17 at 10:00 am to roadGator
quote:
If I cause three accidents in three months
=/= being diagnosed with a chronic disease.
When you realize that health status in large part is decoupled from personal choice you'll be in a much better place to understand the moral outrage of your current position.
Posted on 9/21/17 at 10:01 am to BamaAtl
quote:
When you realize that health status in large part is decoupled from personal choice
This post was edited on 9/21/17 at 10:02 am
Posted on 9/21/17 at 10:01 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?
Edit: Mom's doing good now. Was a rough few years though. She wasn't expected to make it through the night.
I find it amusing so many people think what the US has is even cllse to a free market economy for healthcare.
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