Why "Pre-existing conditions" is a phony, blown out of proportion issue.

[rightwinger]

If they want to remain in the insurance business, they have to cover everyone who applies

Seems fair

So you're going to try and demand what another person to do, while bearing absolutely no responsibility for the consequences when they do it.

Seems totally fair!

Yes

If you want to be in the health insurance business you should have to cover anyone who applies regardless of sex, age or pre existing conditions

 

[Oddball]

So you must support the Obamacare mandate

Every American should be covered in case of a health emergency. People who are sick should not be priced out of the market

Wow, you're even less bright than I remember.

I support NO mandates, for anyone anywhere.

 

[Oddball]

Yes

If you want to be in the health insurance business you should have to cover anyone who applies regardless of sex, age or pre existing conditions

 

[LordBrownTrout]

You are missing the point

What happens to those who have pre-existing conditions who are fired or want to leave their current employer?
Going on the open market means rejection or exorbitant premiums

Do you think those with pre-existing conditions should pay the same rate as you?

Since when does lack of prior planning on your part, constitute an emergency on my part?

So you must support the Obamacare mandate

Every American should be covered in case of a health emergency. People who are sick should not be priced out of the market

Why should a private insurance company be required to accept everyone? I could understand your point if said insurance company took money from the govt to startup but not a company that uses its own money for startup.

 

[Flash]

The filthy ass government making paying insurance customers pay for preexisting conditions for people that never paid into the insurance pool is nothing more than despicable welfare and it is wrong.

 

[Soggy in NOLA]

`
"For years, people who had been diagnosed with chronic health problems found it difficult, if not impossible, to purchase health insurance on the private market. Those who did manage to obtain coverage often paid premiums that were much higher than those paid by most people in their age-bracket. This hindrance to coverage forced many into bankruptcy as they were forced to pay for their medical coverage without the benefit of a health insurance plan. The Affordable Care Act (ACA), which went into effect on January 1, 2014, changed all that."

• In 2010, ProPublica reported that health insurance providers turned down coverage for 1 out of 7 people because of pre-existing conditions.
• This resulted in more than 651,000 people being denied health insurance by the top four insurance companies over a three-year period.
• Between 2007 and 2009, the number of people who were denied coverage for pre-existing conditions increased as much as 49%.

Source

`

So, you walk into an insurance company with lymphoma stating you need coverage. You haven't paid a dime in premiums, yet the insurance company is now on the hook for 100's of thousands of $$ of treatments.. tell us, how does this work out?

If they want to remain in the insurance business, they have to cover everyone who applies

Seems fair

Your business acumen is astounding.

 

[healthmyths]

AGAIN... Folks stay on topic!
Pre-existing conditions was a phony blown out of proportion argument just as Obama's "46 million uninsured Americans" was and both were used to completed destroy the
Health insurance industry!
And folks you do that because Obama told us he preferred a single payer system... guess what happens!

4,000 companies go out of business.
These companies employed 450,000 people that will need unemployment benefits that won't be paying payroll taxes
These companies pay over $100 billion a year in Federal/state/local (including property taxes on buildings in some cities you people live in and guess what goes up???)

All because grossly ignorant people who under Obama care forced these same insurance companies to raise their premiums because of :
1) ACA required a 85% expenditure of premiums for claims... 85%??? That left 15% for overhead,salaries and GUESS what else you and the Obama dummies seem to forget..PROFIT!
2) Why is profit so important? CALLED RESERVES for future claims! See again most idiots don't seem to realize when an insurance company insures it means they have to pay
claims in the future! To do that you have to have reserves and that is a STATE by STATE LAW! You can't sell insurance in any state in America without reserves for CLAIMS!

So these idiots increased the average insurance companies Medical liability ratio which was about 80% to 85%! This additional forced 85% now meant insurance companies had
to A) drop out of the health insurance business. or B) raise premiums. WHICH is what happened!

Most people don’t get a rebate check, because most insurers are spending the majority of premiums on medical costs
Across all market segments, the majority of insurers are meeting or exceeding the MLR rules, which is why most people don’t receive MLR rebate checks. According to the data that was calculated in 2017 (for plan years 2014-2016), the average individual market MLR was 92.9 percent and the average small group MLR was 86.1 percent (both well above the 80 percent minimum requirement). In the large-group market, the average MLR was 90.3 percent, also well above the 85 percent minimum requirement for that market segment. For all three market segments, the average MLR reported for 2017 was the highest it had ever been.
Billions in ACA rebates show 80/20 Rule’s impact

So the idiots of Obamacare said hey you insurance companies... making too much profit. Either spend it on health care costs or pay a rebate!
Well guess what you idiots!!!!

 

[Brain357]

You are missing the point

What happens to those who have pre-existing conditions who are fired or want to leave their current employer?
Going on the open market means rejection or exorbitant premiums

Do you think those with pre-existing conditions should pay the same rate as you?

Since when does lack of prior planning on your part, constitute an emergency on my part?

So you must support the Obamacare mandate

Every American should be covered in case of a health emergency. People who are sick should not be priced out of the market

Why should a private insurance company be required to accept everyone? I could understand your point if said insurance company took money from the govt to startup but not a company that uses its own money for startup.

Sounds like using private insurers is a bad system.

 

[Soggy in NOLA]

If they want to remain in the insurance business, they have to cover everyone who applies

Seems fair

So you're going to try and demand what another person to do, while bearing absolutely no responsibility for the consequences when they do it.

Seems totally fair!

Yes

If you want to be in the health insurance business you should have to cover anyone who applies regardless of sex, age or pre existing conditions

And then accordingly, those who want it, have to pay the cost, full freight. Not to mention, what you are advocating, is not insurance.

 

[Brain357]

AGAIN... Folks stay on topic!
Pre-existing conditions was a phony blown out of proportion argument just as Obama's "46 million uninsured Americans" was and both were used to completed destroy the
Health insurance industry!
And folks you do that because Obama told us he preferred a single payer system... guess what happens!

4,000 companies go out of business.
These companies employed 450,000 people that will need unemployment benefits that won't be paying payroll taxes
These companies pay over $100 billion a year in Federal/state/local (including property taxes on buildings in some cities you people live in and guess what goes up???)

All because grossly ignorant people who under Obama care forced these same insurance companies to raise their premiums because of :
1) ACA required a 85% expenditure of premiums for claims... 85%??? That left 15% for overhead,salaries and GUESS what else you and the Obama dummies seem to forget..PROFIT!
2) Why is profit so important? CALLED RESERVES for future claims! See again most idiots don't seem to realize when an insurance company insures it means they have to pay
claims in the future! To do that you have to have reserves and that is a STATE by STATE LAW! You can't sell insurance in any state in America without reserves for CLAIMS!

So these idiots increased the average insurance companies Medical liability ratio which was about 80% to 85%! This additional forced 85% now meant insurance companies had
to A) drop out of the health insurance business. or B) raise premiums. WHICH is what happened!

Most people don’t get a rebate check, because most insurers are spending the majority of premiums on medical costs
Across all market segments, the majority of insurers are meeting or exceeding the MLR rules, which is why most people don’t receive MLR rebate checks. According to the data that was calculated in 2017 (for plan years 2014-2016), the average individual market MLR was 92.9 percent and the average small group MLR was 86.1 percent (both well above the 80 percent minimum requirement). In the large-group market, the average MLR was 90.3 percent, also well above the 85 percent minimum requirement for that market segment. For all three market segments, the average MLR reported for 2017 was the highest it had ever been.
Billions in ACA rebates show 80/20 Rule’s impact

So the idiots of Obamacare said hey you insurance companies... making too much profit. Either spend it on health care costs or pay a rebate!
Well guess what you idiots!!!!

The industry was shit before Obamacare.

 

[rightwinger]

So you must support the Obamacare mandate

Every American should be covered in case of a health emergency. People who are sick should not be priced out of the market

Wow, you're even less bright than I remember.

I support NO mandates, for anyone anywhere.

Let them die.....


GOP mandate

 

[Oddball]

Let them die.....


GOP mandate

I'm not GOP, and there are more than two options...But thanks for reminding me of what a facile-minded twit you are.

 

[rightwinger]

If they want to remain in the insurance business, they have to cover everyone who applies

Seems fair

So you're going to try and demand what another person to do, while bearing absolutely no responsibility for the consequences when they do it.

Seems totally fair!

Yes

If you want to be in the health insurance business you should have to cover anyone who applies regardless of sex, age or pre existing conditions

And then accordingly, those who want it, have to pay the cost, full freight. Notto mention, what you are advocating, is not insurance.

So severely sick people should lose everything for being ill

 

[Flash]

[Q

The industry was shit before Obamacare.

...and a lot more shit after Obamacare.

 

[Flash]

If they want to remain in the insurance business, they have to cover everyone who applies

Seems fair

So you're going to try and demand what another person to do, while bearing absolutely no responsibility for the consequences when they do it.

Seems totally fair!

Yes

If you want to be in the health insurance business you should have to cover anyone who applies regardless of sex, age or pre existing conditions

And then accordingly, those who want it, have to pay the cost, full freight. Notto mention, what you are advocating, is not insurance.

So severely sick people should lose everything for being ill

People should pay their own healthcare bills.

It is called personal responsibility.

A concept you stupid greedy Moon Bats have a very difficult time understanding.

 

[healthmyths]

You are missing the point

What happens to those who have pre-existing conditions who are fired or want to leave their current employer?
Going on the open market means rejection or exorbitant premiums

Do you think those with pre-existing conditions should pay the same rate as you?

Since when does lack of prior planning on your part, constitute an emergency on my part?

So you must support the Obamacare mandate

Every American should be covered in case of a health emergency. People who are sick should not be priced out of the market

And you are totally ignorant of evidently a LAW called EMTALA that was put in place in 1986!
HERE get informed and find out that EVERY AMERICAN is covered in the case of a health emergency!
EMTALA (Emergency Medical Treatment And Labor Act)

In 1986, Congress enacted the Emergency Medical Treatment & Labor Act (EMTALA) to ensure public access to emergency services regardless of ability to pay. Section 1867 of the Social Security Act imposes specific obligations on Medicare-participating hospitals that offer emergency services to provide a medical screening examination (MSE) when a request is made for examination or treatment for an emergency medical condition (EMC), including active labor, regardless of an individual's ability to pay. Hospitals are then required to provide stabilizing treatment for patients with EMCs. If a hospital is unable to stabilize a patient within its capability, or if the patient requests, an appropriate transfer should be implemented.
Emergency Medical Treatment & Labor Act (EMTALA) - Centers for Medicare & Medicaid Services

Simply put if a hospital is paid Medicare they have to see patients regardless of ability to pay.

NOW do you understand WHY your local hospital charges $10 for an aspirin?
You don't believe me believe a CEO who explained WHY!!!
So what happens is hospitals OVERCHARGE insurance companies and those that can pay i.e. $10 aspirin!
As one hospital CEO when asked "How do hospitals deal with the cost of the uninsured?
His answer: " Like any business, we pass it on to the paying customers."
http://classic.ncmedicaljournal.com/wp-content/uploads/NCMJ/mar-apr-05/Yarbrough.pdf

SO dummies like you asking for those that pay i.e. insurance companies, people out of pocket pay, and YOUR tax dollars pay these hospitals to take care of what you said "health emergency"!!!!!

 

[Soggy in NOLA]

If they want to remain in the insurance business, they have to cover everyone who applies

Seems fair

So you're going to try and demand what another person to do, while bearing absolutely no responsibility for the consequences when they do it.

Seems totally fair!

Yes

If you want to be in the health insurance business you should have to cover anyone who applies regardless of sex, age or pre existing conditions

And then accordingly, those who want it, have to pay the cost, full freight. Notto mention, what you are advocating, is not insurance.

So severely sick people should lose everything for being ill

So, businesses should sell product at a loss? I'm just pointing out the flaws in your way of thinking. You need to brush up on the basics on how insurance works. It doesn't work on the principle that you wait until after you have a disaster to get it.

 

[Brain357]

[Q

The industry was shit before Obamacare.

...and a lot more shit after Obamacare.

It did not fix the problem of increasing costs.

 

[Brain357]

If they want to remain in the insurance business, they have to cover everyone who applies

Seems fair

So you're going to try and demand what another person to do, while bearing absolutely no responsibility for the consequences when they do it.

Seems totally fair!

Yes

If you want to be in the health insurance business you should have to cover anyone who applies regardless of sex, age or pre existing conditions

And then accordingly, those who want it, have to pay the cost, full freight. Notto mention, what you are advocating, is not insurance.

So severely sick people should lose everything for being ill

People should pay their own healthcare bills.

It is called personal responsibility.

A concept you stupid greedy Moon Bats have a very difficult time understanding.

Have you seen how much everything costs?

 

[Brain357]

Does this sound like a great system?

The World Health Organization (WHO), in 2000, ranked the U.S. health care system as the highest in cost, first in responsiveness, 37th in overall performance, and 72nd by overall level of health (among 191 member nations included in the study).