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Message
re: Rush on pre-existing ...it's not insurance, it's welfare
Posted on 5/3/17 at 1:13 pm to Machine
Posted on 5/3/17 at 1:13 pm to Machine
quote:
we're talking about whether or not pre-existing conditions should be insurable, champ
Pre-existing condition doesn't mean a disease you have before you exist. Babies are covered if you have insurance.
Posted on 5/3/17 at 1:13 pm to Machine
quote:
i never said or came close to implying that they were, but you are correct
quote:
frick Jimmy Kimmel's baby for not getting insurance before it was born.
you snooze you lose, little human life that conservatives pretend to care about while you're in the uterus
Posted on 5/3/17 at 1:14 pm to DisplacedBuckeye
i'm happy you've mastered the art of quoting, DB
Posted on 5/3/17 at 1:14 pm to roadGator
quote:
You think all employer plans had waiting periods for PECs?
No. Some did, some didn't.
Posted on 5/3/17 at 1:15 pm to The Spleen
Which ones and what percentage of them did?
Posted on 5/3/17 at 1:16 pm to germandawg
quote:
Did ole Rushbo mention how it was that folks with pre-existing conditions receiving treatment without the means to pay, as they did prior to the ACA, didn't drive up costs for those of us with adequate insurance?
Yes he did mention that you are totally wrong. Pre-existing under the ACA was offset by increased premiums on the healthy. That's why premiums doubled for many people. Mine went up 3K per year. Try to keep up.
Posted on 5/3/17 at 1:19 pm to Zach
I'd rather pay for a kid with cancer than mg rates going up due to his co-morbidities from obesity and drug addiction.
Posted on 5/3/17 at 1:21 pm to Machine
quote:
quoting
Reading, homie.
Posted on 5/3/17 at 1:21 pm to mahdragonz
quote:
I'd rather pay for a kid with cancer than mg rates going up due to his co-morbidities from obesity and drug addiction.
It could be neither.
Posted on 5/3/17 at 1:23 pm to Zach
quote:
Pre-existing under the ACA was offset by increased premiums on the healthy.
Also from reimbursements from the government, which the Republicans killed.
Posted on 5/3/17 at 1:24 pm to germandawg
Some pretty good examples in the NYTimes. I don't see why these people should suffer.
LINK
Larisa Thomason, of New Market, Ala., remembers the day 15 years ago when her husband got a letter from Humana informing him that his policy would not cover any cancer care because a preventive colonoscopy had turned up several benign polyps.
Likewise, an insurer in Wisconsin refused to cover any treatment related to Alice Thompson’s reproductive system, starting in 2003, because a doctor had written in her medical record that she should have a hysterectomy to eliminate painful menstrual periods. “Had I gotten ovarian or uterine cancer, I wouldn’t have been covered,” said Ms. Thompson, 62, of South Milwaukee. “For 10 years, I was living under this uncertainty of ‘what if.’”
Ms. Thompson, an environmental consultant who is now being treated for vision problems and headaches, added that when she switched to an Affordable Care Act plan in 2014, “I just remember the sense of relief being huge. Now the specter of all this coming back is horrifying. I don’t think I’m being overly paranoid to think, what if I have to move my business to a different state to get coverage?”
Before the Affordable Care Act mandated essential benefits to help make sure people had broad coverage, insurers routinely excluded various medical services. Almost two-thirds of people who bought their own policies did not have maternity benefits, a third did not have coverage for substance abuse services and about a fifth did not have care for mental health issues, according to a federal analysis of coverage before the law.
In the past, excluding certain conditions from coverage sometimes left people with crushing medical debts. John Gillespie and his wife, Beth, ran their own small auto repair shop. In the late 1990s, the couple, who live in Beaver Falls, Pa., could not find an insurance company willing to cover her epilepsy. At one point, Ms. Gillespie had to go to the emergency room because she was having seizures, and the doctors worried that she had developed meningitis. She was in the intensive care unit for three days. Her seizures were in fact because of the epilepsy, and the couple faced nearly $20,000 in medical bills. “We ended up making payments on that for several years,” Mr. Gillespie said. When the couple was finally able to find a plan that covered her disease, the premiums were astronomical — about $2,400 a month for both of them. “It was easily the single largest expense we had,” Mr. Gillespie said. The couple could barely make ends meet, despite his working 60 hours a week and teaching some night classes. They refinanced their house three times. The couple now pay $1,200 for coverage. They are both 58 and semiretired, with little in the way of savings if they were to face another medical emergency.
LINK
Larisa Thomason, of New Market, Ala., remembers the day 15 years ago when her husband got a letter from Humana informing him that his policy would not cover any cancer care because a preventive colonoscopy had turned up several benign polyps.
Likewise, an insurer in Wisconsin refused to cover any treatment related to Alice Thompson’s reproductive system, starting in 2003, because a doctor had written in her medical record that she should have a hysterectomy to eliminate painful menstrual periods. “Had I gotten ovarian or uterine cancer, I wouldn’t have been covered,” said Ms. Thompson, 62, of South Milwaukee. “For 10 years, I was living under this uncertainty of ‘what if.’”
Ms. Thompson, an environmental consultant who is now being treated for vision problems and headaches, added that when she switched to an Affordable Care Act plan in 2014, “I just remember the sense of relief being huge. Now the specter of all this coming back is horrifying. I don’t think I’m being overly paranoid to think, what if I have to move my business to a different state to get coverage?”
Before the Affordable Care Act mandated essential benefits to help make sure people had broad coverage, insurers routinely excluded various medical services. Almost two-thirds of people who bought their own policies did not have maternity benefits, a third did not have coverage for substance abuse services and about a fifth did not have care for mental health issues, according to a federal analysis of coverage before the law.
In the past, excluding certain conditions from coverage sometimes left people with crushing medical debts. John Gillespie and his wife, Beth, ran their own small auto repair shop. In the late 1990s, the couple, who live in Beaver Falls, Pa., could not find an insurance company willing to cover her epilepsy. At one point, Ms. Gillespie had to go to the emergency room because she was having seizures, and the doctors worried that she had developed meningitis. She was in the intensive care unit for three days. Her seizures were in fact because of the epilepsy, and the couple faced nearly $20,000 in medical bills. “We ended up making payments on that for several years,” Mr. Gillespie said. When the couple was finally able to find a plan that covered her disease, the premiums were astronomical — about $2,400 a month for both of them. “It was easily the single largest expense we had,” Mr. Gillespie said. The couple could barely make ends meet, despite his working 60 hours a week and teaching some night classes. They refinanced their house three times. The couple now pay $1,200 for coverage. They are both 58 and semiretired, with little in the way of savings if they were to face another medical emergency.
Posted on 5/3/17 at 1:26 pm to The Spleen
quote:
Also from reimbursements from the government, which the Republicans killed.
Gov entitlement pigs must be fed more and more.
Posted on 5/3/17 at 1:27 pm to Eurocat
Now do all the anecdotal evidence showing where people are now paying more for ACA plans than their mortgage. I mean you want the full picture I'm sure.
Posted on 5/3/17 at 1:28 pm to DisplacedBuckeye
OK, here is the plan as I could catch it from the show today.
There are about 5% of the public right now who are uninsured who have PEC.
Set up a govt fund to mitigate their premiums. So, they will not pay what actual tables need but they will be covered. IT IS WELFARE.
The other 95% of the public buy insurance. If they don't they are taking their chances. Young healthy people may opt for no insurance. It will not be mandatory.
After the program is passed if any in the 95% who refuse to get insurance get a bad disease they cannot tap into the Welfare fund. They had an option. Their PED is their problem.
This is an over simplification but it sounds pretty good to me. It will definitely reduce premiums for people who currently have insurance because they will no longer be paying for the 5% and they won't be paying for the mandated ACA coverage like maternity costs for 70 year olds.
There are about 5% of the public right now who are uninsured who have PEC.
Set up a govt fund to mitigate their premiums. So, they will not pay what actual tables need but they will be covered. IT IS WELFARE.
The other 95% of the public buy insurance. If they don't they are taking their chances. Young healthy people may opt for no insurance. It will not be mandatory.
After the program is passed if any in the 95% who refuse to get insurance get a bad disease they cannot tap into the Welfare fund. They had an option. Their PED is their problem.
This is an over simplification but it sounds pretty good to me. It will definitely reduce premiums for people who currently have insurance because they will no longer be paying for the 5% and they won't be paying for the mandated ACA coverage like maternity costs for 70 year olds.
Posted on 5/3/17 at 1:28 pm to The Spleen
quote:
Also from reimbursements from the government,
WELFARE
Posted on 5/3/17 at 1:29 pm to Eurocat
quote:
Almost two-thirds of people who bought their own policies did not have maternity benefits
So.
quote:
a third did not have coverage for substance abuse services
Again... So.
quote:
about a fifth did not have care for mental health issues
And again... So.
If you want those coverages, you should certainly be able to buy a plan that includes them.
But you should also be able to buy a lower cost plan that doesn't include them. For instance, if you are a 65 year old woman... just maybe you don't need maternity coverage. But you get it. Or if you are man. You probably don't need maternity coverage then, either. But you get to pay for it. But hey.. somehow, I'm sure it also helps drive down bankruptcy filings.
This post was edited on 5/3/17 at 1:31 pm
Posted on 5/3/17 at 1:29 pm to The Spleen
quote:
from the government
Well why didn't you say so?
As long as it's paid by the government and not people, I'm good with it.
Posted on 5/3/17 at 1:29 pm to Zach
Would be nice to have it called what it is so it could be dealt with honestly
Posted on 5/3/17 at 1:30 pm to gthog61
quote:
Would be nice to have it called what it is so it could be dealt with honestly
DemocRats would lose elections if they did that.
Posted on 5/3/17 at 1:32 pm to SSpaniel
If you do that SSpaniel you are buying alacarte instead of spreading the risk, which is what needs to be done to balance it all out.
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