How do you propose to help people with pre existing conditions find insurance?

[letswastemoney]

This is the major problem with our system. People who cannot get insurance because insurance companies reject pre-existing conditions are left to either suffer or die basically.

Do you have a solution?

[Cannon Shell]

Free visit to the Kevorkian clinic?

[hi_im_god]

insurance companies are a buisness and don't want to take an excess amount of bad risk. and you don't want to be insured by a company that does because their ability to pay claims will erode over time.

i'm not sure what the answer is. it's particularly difficult where someone had insurance when a health issue developed and then through loss of a job now faces problems obtaining coverage because of the condition.

but i don't want to pay the rates on auto insurance that would result if you could wait until after an accident to buy coverage. and that's essentialy the behavior encouraged if you tell people they don't have to have health insurance but that insurance companies are forced to sell it to them once they get sick.

[SOREHOOF]

Here is a good example of what not to do.
http://www.nypost.com/p/news/opinion...4YPmney3RCrJ/1
It's no fun to live in N.Y.
I'm glad I still have a frikkin job.

[geeker2]

"Everybody gotta die sometime Red"

[letswastemoney]

Originally Posted by SOREHOOF

Here is a good example of what not to do.
http://www.nypost.com/p/news/opinion...4YPmney3RCrJ/1
It's no fun to live in N.Y.
I'm glad I still have a frikkin job.

Betsy Mccaughey = liarhttp://gawker.com/5337724/betsy-mccaughey-liar

[Danzig]

perhaps there needs to be something similar to the high risk driver coverage. you have to have insurance to drive a car, so there are companies that will write for people who can't seem to keep their car between the lines. it's costly, but they have it.
this is probably where the govt could help, subsidize the coverage-however, as soon as you involve them, it seems fraud and waste go thru the roof. it's the states who should subsidize, that way you have better controls in place. it's thought that the further you get from where the govt operates, the worse the fraud gets.

[jms62]

Originally Posted by letswastemoney

This is the major problem with our system. People who cannot get insurance because insurance companies reject pre-existing conditions are left to either suffer or die basically.

Do you have a solution?

This really falls under 2 categories.

1. Those that never had insurance and get sick and try to get insurance
2. Those that had insurance got sick and lost a job.

Category 1 basically is you gambled and lost. Category 2 I would say extend Cobra indefinitely as long as the premiums are being paid you keep the policy and you can not be cancelled.

[Danzig]

Originally Posted by jms62

This really falls under 2 categories.

1. Those that never had insurance and get sick and try to get insurance
2. Those that had insurance got sick and lost a job.

Category 1 basically is you gambled and lost. Category 2 I would say extend Cobra indefinitely as long as the premiums are being paid you keep the policy and you can not be cancelled.

with famla, i don't know that you can lose your job. anyone on famla leave still has their insurance, with their portion of the premium paid up in installments when they (presumably) come back to work. at least, that's how we do it. that's why i recommend to my co-workers that they also sign up for our short term disability, dirt cheap and pays two-thirds of their salary while they're off. but then, i also tell them to get medical, and they don't always listen. i had a lady not sign up...then she decided at open enrollment to sign up, but before she started getting coverage she suffered a mild stroke (young, but a smoker on birth control, so high risk)so any coverage related to that was called pre-existing, since the illness struck in march, and she didn't have coverage being in april. she still complains that they didn't pay, but refuses to take into consideration that her coverage hadn't started as yet.

[Danzig]

http://online.wsj.com/article/SB1000...264585068.html

[letswastemoney]

Originally Posted by jms62

This really falls under 2 categories.

1. Those that never had insurance and get sick and try to get insurance
2. Those that had insurance got sick and lost a job.

Category 1 basically is you gambled and lost. Category 2 I would say extend Cobra indefinitely as long as the premiums are being paid you keep the policy and you can not be cancelled.

Gambled and lost....so basically only some survive? some don't?

Fire and police services are okay. They both protect our lives for free when our house catches on fire or someone tries to mug us

....but not service that relates to life threatening diseases???

Makes us no better than animals IMO

[AeWingnut]

Originally Posted by letswastemoney

This is the major problem with our system. People who cannot get insurance because insurance companies reject pre-existing conditions are left to either suffer or die basically.

Do you have a solution?

outlaw insurance
that will bring costs way down

of course they won't but I resent that I paid into insurance for decades and now that I am starting to need it someone wants to tax the hell out of me for dead beats and every other kinda loser.

No matter what lies are being told by the statists the fact is they can't do anything cheaper and it would be unConstitutional for them to try.

[jms62]

Originally Posted by letswastemoney

Gambled and lost....so basically only some survive? some don't?

Fire and police services are okay. They both protect our lives for free when our house catches on fire or someone tries to mug us

....but not service that relates to life threatening diseases???

Makes us no better than animals IMO

I was speaking about those that can afford insurance and choose not to get it.

[hoovesupsideyourhead]

Originally Posted by letswastemoney

This is the major problem with our system. People who cannot get insurance because insurance companies reject pre-existing conditions are left to either suffer or die basically.

Do you have a solution?

and this will not change under the new plan..it will be called exclusion.

[Riot]

Or, you can be like me: pay expensive individual insurance for years, declare all the pre-existing conditions in your lifetime health record when you move to another state and change policies, then, six months AFTER the insurance company approved paying for a $25K knee operation to both the surgeon and University of KY, and the operation was done - have your insurance suddenly rescinded, and be told that, "Whoops - when we wrote the policy, we should have excluded you for any possible arthritic stuff, but we made a mistake and didn't do that - but we are doing it now. We are not paying for the operation we told the surgeon and you and the hospital we would, and we are not following the contract we signed that said you are covered for it - read your fine print".

The answer of the Kentucky Insurance Commission is: "nothing we can do, there are no laws preventing that".

My lawyer versus their many lawyers. Guess who will outlast?

The insurance industry made, what, like double profits in 2009? And dropped 2.7 million Americans from coverage. I am one of those 2.7 million

So yes - I strongly support health exchanges, but even better, a public option.

[dellinger63]

Originally Posted by Riot

Or, you can be like me: pay expensive individual insurance for years, declare all the pre-existing conditions in your lifetime health record when you move to another state and change policies, then, six months AFTER the insurance company approved paying for a $25K knee operation to both the surgeon and University of KY, and the operation was done - have your insurance suddenly rescinded, and be told that, "Whoops - when we wrote the policy, we should have excluded you for any possible arthritic stuff, but we made a mistake and didn't do that - but we are doing it now. We are not paying for the operation we told the surgeon and you and the hospital we would, and we are not following the contract we signed that said you are covered for it - read your fine print".

The answer of the Kentucky Insurance Commission is: "nothing we can do, there are no laws preventing that".

My lawyer versus their many lawyers. Guess who will outlast?

The insurance industry made, what, like double profits in 2009? And dropped 2.7 million Americans from coverage. I am one of those 2.7 million

So yes - I strongly support health exchanges, but even better, a public option.

or simply read the fine print

let me guess you buy your truck based on color?

[Riot]

Originally Posted by dellinger63

or simply read the fine print

let me guess you buy your truck based on color?

What a load of crap, Dell. You think that is fair? Really? That you sign a contact with a company, uphold your part, but the contract is written so that the other party may rescind any portion of the contract at any time, at their whim, with no substantive appeal or recourse on your part?

And there is little to no law governing these transactions, transactions that make up an industry that is 1/6 of our economy?

If you have insurance, you signed such a contract, too.

Let me guess - you buy your truck based on color?

If you think this is funny, and the source of a joke for you, Dell, I can't imagine how hard you laugh at the unfortunate people whose children have cancer, when the insurance company decides to cut off insurance forever on those kids.

You're a real American, Dell.

[Danzig]

Originally Posted by dellinger63

or simply read the fine print

let me guess you buy your truck based on color?

don't worry dell. it'll all work out okay. our govt will take care of everything, so no need to fear. seriously.

[dellinger63]

Originally Posted by Riot

What a load of crap, Dell.

If you think this is funny, and the source of a joke for you, Dell, I can't imagine how hard you laugh at the unfortunate people whose children have cancer, when the insurance company decides to cut off insurance forever on those kids.

You're a real American, Dell.

what does your bum knee have to do with a child w/cancer. You do realize there are charities and foundations set up specifically to aid such circumstances. And thanks for the 'real american' compliment. I also stand and hold my piss during God Bless America!

Bless the troops and kill those bastards!

[Riot]

what does your bum knee have to do with a child w/cancer.

Arbitrary recission to make a profit. A company who exists to profit on the lack of people getting ill isn't the one to depend upon for taking care of ill peole. Ill people are expensive. Thank goodness my condition isn't life-threatening.

Do you realize how, as I was rescinded, insurance companies rescind children with cancer? Chronic liver and kidney diseases? Withhold approval for treatments? Refuse to insure a child for the rest of it's life - unless the parents would like to pay several thousand a month and have alot of stuff excluded for life?

There are women who can't get a second c-section paid for, because their first child was born C-section, and it's now a "pre-existing condition" the insurance company will not cover a second time, even if the second baby is in distress, breech, etc?

Do you realize that teenage acne treatment by a family GP is a pre-existing condition that can, decades later, preclude any treatment at all for skin cancers when one is old?

That life-threatening asthma attacks in children, who have to go to the ER, may not be covered because the family doc diagnosed the kid with allergies to house dust several years back, and recommended a Zyrtec when the nose got a little runny?

You do realize there are charities and foundations set up specifically to aid such circumstances.

You can't be serious that charity should take over the primary care of severely ill children in our country? Rather than their parents purchasing insurance?

Isn't that a bit communistic? !! Depending upon other citizens to pay one's way?

This is America. We take care of our own, yes. But most want to take care of themselves as much as they can. Not hope charity will help your leukemic child, as your insurance company, the insurance you bought because you were a responsible, planning-ahead, self-reliant American - dumped you.

People who purchase and pay for insurance for their children, before the children get sick, shouldn't have the children suffer poor medical care or death because the insurance company decides to cut their losses in the middle of the childs' treatment.

Ditto, Bless Our Troops!