Pre-existing conditions coverage

[The Rabbi]

This is one of the most popular provisions in an otherwise despised law, Obamacare. It polls consistently well. And it sounds good: Insirance companies cannot deny coverage for pre existing conditions. Right?
But why would they deny coverage to begin with?
When they are forced to issue policies to people with pre existing conditions, who pays for the higher risk the company incurs by insuring them?
I realize these are beyond Stage One questions so the leftists here wont have a clue what I mean. But maybe some of the more informed posters can chime in.

 

[PaintMyHouse]

C and P from the other thread:

Is the "feel-good" part the fact that we aren't required to explain to them, when very ill, that actual Capitalism would drop them like a hot rock if it were allowed to and tell them never to return? That once sick, if unregulated, no insurance company would ever cover them again and no employer would hire them given the chance? Yeah, that would make you feel-good I bet.

 

[healthmyths]

This is one of the most popular provisions in an otherwise despised law, Obamacare. It polls consistently well. And it sounds good: Insirance companies cannot deny coverage for pre existing conditions. Right?
But why would they deny coverage to begin with?
When they are forced to issue policies to people with pre existing conditions, who pays for the higher risk the company incurs by insuring them?
I realize these are beyond Stage One questions so the leftists here wont have a clue what I mean. But maybe some of the more informed posters can chime in.

HERE ARE the FACTS about those MILLIONS and MILLIONS who aren't covered because of "Pre-existing conditions"..

The fact is there never were 100 million people ineligible for health insurance due to "pre-existing conditions" as stated below!
The fact is less then 1.5 million that were denied due to "pre-existing conditions"!


Obama's Pre-existing Conditions Whopper
Obama’s Department of Health and Human Services (HHS) incredibly determined that almost half the American population could be ineligible for health insurance due to a preexisting condition.
This sure sounds like a crisis, but the HHS simply counted all Americans with asthma, bad backs, diabetes, hypertension, and other chronic diseases
that theoretically could be a reason to deny coverage or charge a higher premium.
According to the latest Census Bureau data, 309 million Americans have health insurance.
Of these 4 percent are covered by directly purchased insurance alone. The remaining 96 percent are covered by government or company insurance or some combination.
Government health insurance does not allow discrimination based on preexisting conditions.
Company insurance typically does not either, insofar as the risk pool is already incorporated in the premiums, and there are portability requirements
in moving from company to company.

Thus 12 million people purchased private direct purchased health insurance on the eve of Obama Care.

Insurance industry studies show that one in eight applicants for private health insurance have preexisting conditions that affect their eligibility or premiums.
This gives a total of 1.5 million Americans who were denied health insurance or paid higher premiums due to pre-existing conditions.

The Obama administration has lied with statistics! Instead of 150 million, there are 1.5 million Americans,

who “cannot get insurance or must pay higher premiums due to pre-existing conditions.”
The pre-existing conditions crisis becomes a gnat bite when things are measured correctly.

How to Lie with Statistics of the 1960s showed how to fudge statistics a little, not to exaggerate by a hundred-fold.

The Obama administration has taken this to a new level befitting the 21st century.

But must we change our whole health care system to handle a problem that affects one half of one percent?

If we gave a $10,000 subsidy to each person denied coverage or paying a higher premium, we could keep our existing health-care system pre-conditions for one tenth the projected cost of Obama Care.

Obama's Pre-existing Conditions Whopper - Forbes

 

[Wildman]

"figgers don't lie, but liars* do figger"

* (demoRATS, liarberals, socialists and all obummer )

the above saying is the way my Grandpa said it.

 

[PaintMyHouse]

This is one of the most popular provisions in an otherwise despised law, Obamacare. It polls consistently well. And it sounds good: Insirance companies cannot deny coverage for pre existing conditions. Right?
But why would they deny coverage to begin with?
When they are forced to issue policies to people with pre existing conditions, who pays for the higher risk the company incurs by insuring them?
I realize these are beyond Stage One questions so the leftists here wont have a clue what I mean. But maybe some of the more informed posters can chime in.

HERE ARE the FACTS about those MILLIONS and MILLIONS who aren't covered because of "Pre-existing conditions"..

The fact is there never were 100 million people ineligible for health insurance due to "pre-existing conditions" as stated below!
The fact is less then 1.5 million that were denied due to "pre-existing conditions"!


Obama's Pre-existing Conditions Whopper
Obama’s Department of Health and Human Services (HHS) incredibly determined that almost half the American population could be ineligible for health insurance due to a preexisting condition.
This sure sounds like a crisis, but the HHS simply counted all Americans with asthma, bad backs, diabetes, hypertension, and other chronic diseases
that theoretically could be a reason to deny coverage or charge a higher premium.
According to the latest Census Bureau data, 309 million Americans have health insurance.
Of these 4 percent are covered by directly purchased insurance alone. The remaining 96 percent are covered by government or company insurance or some combination.
Government health insurance does not allow discrimination based on preexisting conditions.
Company insurance typically does not either, insofar as the risk pool is already incorporated in the premiums, and there are portability requirements
in moving from company to company.

Thus 12 million people purchased private direct purchased health insurance on the eve of Obama Care.

Insurance industry studies show that one in eight applicants for private health insurance have preexisting conditions that affect their eligibility or premiums.
This gives a total of 1.5 million Americans who were denied health insurance or paid higher premiums due to pre-existing conditions.

The Obama administration has lied with statistics! Instead of 150 million, there are 1.5 million Americans,

who “cannot get insurance or must pay higher premiums due to pre-existing conditions.”
The pre-existing conditions crisis becomes a gnat bite when things are measured correctly.

How to Lie with Statistics of the 1960s showed how to fudge statistics a little, not to exaggerate by a hundred-fold.

The Obama administration has taken this to a new level befitting the 21st century.

But must we change our whole health care system to handle a problem that affects one half of one percent?

If we gave a $10,000 subsidy to each person denied coverage or paying a higher premium, we could keep our existing health-care system pre-conditions for one tenth the projected cost of Obama Care.

Obama's Pre-existing Conditions Whopper - Forbes

See if you can explain to him why my insurance company is not happy to hear that I have cancer? Hint: they aren't just being nice. And why if I have cancer and lose my insurance not a one of them wants me as a client. Thanks a bunch. He'll never listen to me.

 

[The Rabbi]

See if you can explain to him why my insurance company is not happy to hear that I have cancer? Hint: they aren't just being nice. And why if I have cancer and lose my insurance not a one of them wants me as a client. Thanks a bunch. He'll never listen to me.

Tell you what, you sniveling asshole. Why don't you explain it? Lay it out in clear terms so we can discuss the issue.

 

[iamwhatiseem]

Coming to a headline near you.......
"Anthem receives much needed bail out, 6 months after AFLAC received theirs"

 

[PaintMyHouse]

See if you can explain to him why my insurance company is not happy to hear that I have cancer? Hint: they aren't just being nice. And why if I have cancer and lose my insurance not a one of them wants me as a client. Thanks a bunch. He'll never listen to me.

Tell you what, you sniveling asshole. Why don't you explain it?

I shouldn't need to, it's very basic Capitalism. You will learn from others, not me. Let's see if they know.

 

[jillian]

This is one of the most popular provisions in an otherwise despised law, Obamacare. It polls consistently well. And it sounds good: Insirance companies cannot deny coverage for pre existing conditions. Right?
But why would they deny coverage to begin with?
When they are forced to issue policies to people with pre existing conditions, who pays for the higher risk the company incurs by insuring them?
I realize these are beyond Stage One questions so the leftists here wont have a clue what I mean. But maybe some of the more informed posters can chime in.

perhaps you lack understanding of the purpose of the provisions of the ACA... wait... not PERHAPS... you do lack understanding of the purpose of the provisions of the ACA....

the point of the MANDATE is to make covering pre-existing conditions, etc, affordable for the insurance companies.

you're welcome.


no wonder no one listens to what you have to say.

 

[healthmyths]

This is one of the most popular provisions in an otherwise despised law, Obamacare. It polls consistently well. And it sounds good: Insirance companies cannot deny coverage for pre existing conditions. Right?
But why would they deny coverage to begin with?
When they are forced to issue policies to people with pre existing conditions, who pays for the higher risk the company incurs by insuring them?
I realize these are beyond Stage One questions so the leftists here wont have a clue what I mean. But maybe some of the more informed posters can chime in.

HERE ARE the FACTS about those MILLIONS and MILLIONS who aren't covered because of "Pre-existing conditions"..

The fact is there never were 100 million people ineligible for health insurance due to "pre-existing conditions" as stated below!
The fact is less then 1.5 million that were denied due to "pre-existing conditions"!


Obama's Pre-existing Conditions Whopper
Obama’s Department of Health and Human Services (HHS) incredibly determined that almost half the American population could be ineligible for health insurance due to a preexisting condition.
This sure sounds like a crisis, but the HHS simply counted all Americans with asthma, bad backs, diabetes, hypertension, and other chronic diseases
that theoretically could be a reason to deny coverage or charge a higher premium.
According to the latest Census Bureau data, 309 million Americans have health insurance.
Of these 4 percent are covered by directly purchased insurance alone. The remaining 96 percent are covered by government or company insurance or some combination.
Government health insurance does not allow discrimination based on preexisting conditions.
Company insurance typically does not either, insofar as the risk pool is already incorporated in the premiums, and there are portability requirements
in moving from company to company.

Thus 12 million people purchased private direct purchased health insurance on the eve of Obama Care.

Insurance industry studies show that one in eight applicants for private health insurance have preexisting conditions that affect their eligibility or premiums.
This gives a total of 1.5 million Americans who were denied health insurance or paid higher premiums due to pre-existing conditions.

The Obama administration has lied with statistics! Instead of 150 million, there are 1.5 million Americans,

who “cannot get insurance or must pay higher premiums due to pre-existing conditions.”
The pre-existing conditions crisis becomes a gnat bite when things are measured correctly.

How to Lie with Statistics of the 1960s showed how to fudge statistics a little, not to exaggerate by a hundred-fold.

The Obama administration has taken this to a new level befitting the 21st century.

But must we change our whole health care system to handle a problem that affects one half of one percent?

If we gave a $10,000 subsidy to each person denied coverage or paying a higher premium, we could keep our existing health-care system pre-conditions for one tenth the projected cost of Obama Care.

Obama's Pre-existing Conditions Whopper - Forbes

See if you can explain to him why my insurance company is not happy to hear that I have cancer? Hint: they aren't just being nice. And why if I have cancer and lose my insurance not a one of them wants me as a client. Thanks a bunch. He'll never listen to me.

Well you probably are one of those 1.5 million and I'm sorry for you. And as the above suggestion definitely eligible for the $10,000 subsidy!
But if YOU lied about smoking on your health insurance application and you then get cancer... YOU are in violation of a legal agreement i.e.
insurance extends offer to pay claims based on what you told them on the application. You lied they don't pay. Simple as that!

 

[Moonglow]

I knew of at least one fellow Ntl. Grd. soldier that was denied medical insurance because of his diabetes...When we both worked as electricians..

 

[Moonglow]

HERE ARE the FACTS about those MILLIONS and MILLIONS who aren't covered because of "Pre-existing conditions"..

The fact is there never were 100 million people ineligible for health insurance due to "pre-existing conditions" as stated below!
The fact is less then 1.5 million that were denied due to "pre-existing conditions"!


Obama's Pre-existing Conditions Whopper
Obama’s Department of Health and Human Services (HHS) incredibly determined that almost half the American population could be ineligible for health insurance due to a preexisting condition.
This sure sounds like a crisis, but the HHS simply counted all Americans with asthma, bad backs, diabetes, hypertension, and other chronic diseases
that theoretically could be a reason to deny coverage or charge a higher premium.
According to the latest Census Bureau data, 309 million Americans have health insurance.
Of these 4 percent are covered by directly purchased insurance alone. The remaining 96 percent are covered by government or company insurance or some combination.
Government health insurance does not allow discrimination based on preexisting conditions.
Company insurance typically does not either, insofar as the risk pool is already incorporated in the premiums, and there are portability requirements
in moving from company to company.

Thus 12 million people purchased private direct purchased health insurance on the eve of Obama Care.

Insurance industry studies show that one in eight applicants for private health insurance have preexisting conditions that affect their eligibility or premiums.
This gives a total of 1.5 million Americans who were denied health insurance or paid higher premiums due to pre-existing conditions.

The Obama administration has lied with statistics! Instead of 150 million, there are 1.5 million Americans,

who “cannot get insurance or must pay higher premiums due to pre-existing conditions.”
The pre-existing conditions crisis becomes a gnat bite when things are measured correctly.

How to Lie with Statistics of the 1960s showed how to fudge statistics a little, not to exaggerate by a hundred-fold.

The Obama administration has taken this to a new level befitting the 21st century.

But must we change our whole health care system to handle a problem that affects one half of one percent?

If we gave a $10,000 subsidy to each person denied coverage or paying a higher premium, we could keep our existing health-care system pre-conditions for one tenth the projected cost of Obama Care.

Obama's Pre-existing Conditions Whopper - Forbes

See if you can explain to him why my insurance company is not happy to hear that I have cancer? Hint: they aren't just being nice. And why if I have cancer and lose my insurance not a one of them wants me as a client. Thanks a bunch. He'll never listen to me.

Well you probably are one of those 1.5 million and I'm sorry for you. And as the above suggestion definitely eligible for the $10,000 subsidy!
But if YOU lied about smoking on your health insurance application and you then get cancer... YOU are in violation of a legal agreement i.e.
insurance extends offer to pay claims based on what you told them on the application. You lied they don't pay. Simple as that!

You can get cancer if you don't smoke also....I've also known smokers and other tobacco type users that lived a full life....if you consider living to 94 a full life...

 

[Smilebong]

Somehow, liberals think that you can charge next to nothing and give people insurance coverage that will pay for extremely expensive surgeries and sicknesses.

The problem is that overall, the sick people will buy that insurance. The healthy young people will not. So the sick people are the only ones paying premiums. And they are the ones collecting all the benefits and the cost has to increase. Otherwise, the Insurance companies cannot make money. That is what they are in business for, to make money. If I owned a business and the governemnt made me operate it so that I lost money, I would close up shop.

 

[LordBrownTrout]

This is one of the most popular provisions in an otherwise despised law, Obamacare. It polls consistently well. And it sounds good: Insirance companies cannot deny coverage for pre existing conditions. Right?
But why would they deny coverage to begin with?
When they are forced to issue policies to people with pre existing conditions, who pays for the higher risk the company incurs by insuring them?
I realize these are beyond Stage One questions so the leftists here wont have a clue what I mean. But maybe some of the more informed posters can chime in.

perhaps you lack understanding of the purpose of the provisions of the ACA... wait... not PERHAPS... you do lack understanding of the purpose of the provisions of the ACA....

the point of the MANDATE is to make covering pre-existing conditions, etc, affordable for the insurance companies.

you're welcome.


no wonder no one listens to what you have to say.

Keep in mind that this is the first time the govt has ever forced it's citizens to buy a product. There should be no mandate. Period.

 

[jillian]

Somehow, liberals think that you can charge next to nothing and give people insurance coverage that will pay for extremely expensive surgeries and sicknesses.

The problem is that overall, the sick people will buy that insurance. The healthy young people will not. So the sick people are the only ones paying premiums. And they are the ones collecting all the benefits and the cost has to increase. Otherwise, the Insurance companies cannot make money. That is what they are in business for, to make money. If I owned a business and the governemnt made me operate it so that I lost money, I would close up shop.

again, that's why there is a mandate... .to spread the cost among everyone, including young, healthy people.

perhaps you should stick with that bong.

 

[Smilebong]

Somehow, liberals think that you can charge next to nothing and give people insurance coverage that will pay for extremely expensive surgeries and sicknesses.

The problem is that overall, the sick people will buy that insurance. The healthy young people will not. So the sick people are the only ones paying premiums. And they are the ones collecting all the benefits and the cost has to increase. Otherwise, the Insurance companies cannot make money. That is what they are in business for, to make money. If I owned a business and the governemnt made me operate it so that I lost money, I would close up shop.

again, that's why there is a mandate... .to spread the cost among everyone, including young, healthy people.

perhaps you should stick with that bong.

Mandate or not, the young healthy people WILL NOT BUY the insurance. Take your mandate and stuff it.

 

[Moonglow]

This is one of the most popular provisions in an otherwise despised law, Obamacare. It polls consistently well. And it sounds good: Insirance companies cannot deny coverage for pre existing conditions. Right?
But why would they deny coverage to begin with?
When they are forced to issue policies to people with pre existing conditions, who pays for the higher risk the company incurs by insuring them?
I realize these are beyond Stage One questions so the leftists here wont have a clue what I mean. But maybe some of the more informed posters can chime in.

perhaps you lack understanding of the purpose of the provisions of the ACA... wait... not PERHAPS... you do lack understanding of the purpose of the provisions of the ACA....

the point of the MANDATE is to make covering pre-existing conditions, etc, affordable for the insurance companies.

you're welcome.


no wonder no one listens to what you have to say.

Keep in mind that this is the first time the govt has ever forced it's citizens to buy a product. There should be no mandate. Period.

You're not forced to buy auto insurance?

 

[jillian]

Somehow, liberals think that you can charge next to nothing and give people insurance coverage that will pay for extremely expensive surgeries and sicknesses.

The problem is that overall, the sick people will buy that insurance. The healthy young people will not. So the sick people are the only ones paying premiums. And they are the ones collecting all the benefits and the cost has to increase. Otherwise, the Insurance companies cannot make money. That is what they are in business for, to make money. If I owned a business and the governemnt made me operate it so that I lost money, I would close up shop.

again, that's why there is a mandate... .to spread the cost among everyone, including young, healthy people.

perhaps you should stick with that bong.

Mandate or not, the young healthy people WILL NOT BUY the insurance. Take your mandate and stuff it.

except they already are.... even despite the wingnuts and their Koch brother masters.

 

[Smilebong]

again, that's why there is a mandate... .to spread the cost among everyone, including young, healthy people.

perhaps you should stick with that bong.

Mandate or not, the young healthy people WILL NOT BUY the insurance. Take your mandate and stuff it.

except they already are.... even despite the wingnuts and their Koch brother masters.

No, they are not. Maybe a couple of your extreme leftie friends, but not thinking people.

 

[LordBrownTrout]

perhaps you lack understanding of the purpose of the provisions of the ACA... wait... not PERHAPS... you do lack understanding of the purpose of the provisions of the ACA....

the point of the MANDATE is to make covering pre-existing conditions, etc, affordable for the insurance companies.

you're welcome.


no wonder no one listens to what you have to say.

Keep in mind that this is the first time the govt has ever forced it's citizens to buy a product. There should be no mandate. Period.

You're not forced to buy auto insurance?

No, the federal govt will not tax or penalize me if I do not buy car insurance. However, since obamacare set a precedent I could now easily see the feds forcing you to buy car insurance.