I made a thread saying this like a year ago. About how if you have a pre existing condition than it’s not insurance technically. It’s a subsidy.
A whole lot of of people got mad. They wished my family would get sick. Have fun OP.
camicom -ABCTT_Ninpo Silva -I have a child with a pre existing condition that is considered a terminal illness. Not every person applying for insurance is an irresponsible unhealthy slob, but nice way to generalize a whole group of people into the most negative light.
Then you can cover your child with your work insurance policy, or you can get Ocare.
I thought we were talking about a hypothetical where many of the obamacare protections such as preexisting conditions are no longer in existence. Isnt that what this thread is about?
turducken -Altofsky -As someone who is likely going to die of cancer, I would never expect a company to insure me after my diagnosis. They're not in business to help me. They're in business to make money. Is this ideal for me? Fuck no. Is it the reality of the situation? Yes.
That's the problem and a perfect example of why private for profit companies are not the solution to every problem. We don't want police departments to only show up when they can seize assets or otherwise make a profit, why do we want that with health care? There should be a public option. If you have money and want to stick with privatized insurance and care then do so, if you don't then there should at least be a public option.
Well said turduken.
Sorry for your diagnosis Altofsky.
Some things should be free of corporate interests: national defense, environment, health care, security.
Hammerstein -SevenFive -darkness66 -SevenFive -If the argument is that healthcare would be a better use of government money than other things then that would be a valid argument. Arguing that there is some sort of "right" to having the government pay for your care is asinine.
Because the government works so hard for their money, they shouldn't have to spend it on us
You missed the point. If the government were to budget it in by not spending so much on other things then that would be great, but the government doesn't "owe" us nor do we have a "right" to free healthcare.
Is a healthy society more productive than an unhealthy one? Is it in the interest of the country to have a productive population?
Its relative to the individual. If you are a hard worker who cant work due to poor health then yes the government would be smart to help you so they can keep getting the same or an increased level of tax money from you. If you are a lazy piece of shit who prefers welfare to working then that has nothing to do with health and having your healthcare subsidized is a waste of taxpayer money.
The government paying for my healthcare doesn't automatically mean I'm going to be a better or more productive citizen.
Horus2001 -angryinch -Flavorful -Actually agree with Trump on this one. You don't get car insurance after you get into an accident. Likewise for health insurance. People are waiting until they're sick and then expect insurance. Unfair to the rest ofm us.
We also need to change Reagan's bone-headed law that states hospitals have to treat you on the taxpayer's dime.
Time for individual responsibility.
Lol @ equating the health and well being of human society to a car being dinged.
Idiot.
Most of people's health issues are related to bad choices. Obesity, dm2, smoking et al, all choices.
granted there are accidents and disease that are just bad luck but generally we don't take ownership of our health. Oncologists have said obesity is a factor for many cancers, what do fat women do? Deny and claim fatphobia. People don't own their actions.
The govt and medical associations (and doctors) are also giving us completely incorrect nutritional guidelines (which are geared to favor Big Food and Big Pharma). Keeping everyone sick is done by design.
- Make yourself sick by following the non-scientific guidelines
- take a pill to fix it
- take more pills to fix the side effects
- keep buying garbage food (as per the non- scientific guidelines)
- rich people can blame poor people, poor people can blame rich people. Everyone is blamed except for the govt and corrupt medical associations (that tell us ‘cereal is healthy’)
- Big Pharma and Big Food profit, doctors have full waiting rooms.
- blame the patient
Bad Monkey -camicom -Bad Monkey -camicom -Bad Monkey -turducken -Flavorful -Actually agree with Trump on this one. You don't get car insurance after you get into an accident. Likewise for health insurance. People are waiting until they're sick and then expect insurance. Unfair to the rest ofm us.
We also need to change Reagan's bone-headed law that states hospitals have to treat you on the taxpayer's dime.
Time for individual responsibility.
You also have no perspective. What happens is that someone WITH insurance is diagnosed with a horrible illness. Towards the end of that year they get a letter from their insurance company saying their coverage will not be renewed and they are being dropped from the policy. They now have a "preexisting condition" and can't get covered again
This is not true.
This is true if the person if outside of Ocare, or Health Insurance through their employer. If someone is outisde of open enrollment or do not have a QLE(qualifying life event) then they have to get a Short Term Plan or a Hospital Idemnity Plan. The HIP plan pays a fixed benefit per occurence(100.00 per Dr visit) and so on. That is a continuous plan that would not be cancelled or have to be renewed. The benefts are minimal. A STM on the other hand is 90 day coverage, much like you would have with OCare without covering pre-existing conditions. The Obama admin initailly limited these plans to 90 days to force people to sign up for Ocare.
They rules have changed recently. Depending on the state and Insurance Co, you can sign up for anywhere from 1-4 90 day STM plans per year. Here is the answer to your question. If you have a 90 day STM plan, get injured or sick, then your coverage is pretty much going to be limited to those 90 days, because any condition carried over to the next 90 days would be considered pre-exisiting. With that being said, if you live in a state or go to an Insurance Co that allows you to sign up for more than just 90 days, then the condition from the first 90 days would be covered.
Hope this helps.
Ok, I’ve only been covered through work. I have an indemnity plan privately that I never use. But the part I was calling out as untrue is that you would be notified of an impending cancellation, and have an opportunity to source a new insurance provider, this no gap in coverage . Whether or not it would be priced in a way one could reasonably be expected to afford it is another matter.
Yes, if you were losing your coverage from your employer you would have a QLE and be able to start with OCARE or state equivalent.
Under what circumstances would you have your insurance dropped due to your deteriorating health occurring while insured and not have the opportunity to find new insurance, this eliminating the gap in coverage.
If you were on a Short Term Plan good for only 90 days.
.
turducken -camicom -ABCTT_Ninpo Silva -I have a child with a pre existing condition that is considered a terminal illness. Not every person applying for insurance is an irresponsible unhealthy slob, but nice way to generalize a whole group of people into the most negative light.
Then you can cover your child with your work insurance policy, or you can get Ocare.
I thought we were talking about a hypothetical where many of the obamacare protections such as preexisting conditions are no longer in existence. Isnt that what this thread is about?
Ocare or state run insurance(Idaho, MD) cannot kick anyone off for pre-existing conditions. In fact, anyone pregnant or with a pre existing conditon can sign with Ocare or state run as long as it is during open enrollment or have a QLE.
camicom -turducken -camicom -ABCTT_Ninpo Silva -I have a child with a pre existing condition that is considered a terminal illness. Not every person applying for insurance is an irresponsible unhealthy slob, but nice way to generalize a whole group of people into the most negative light.
Then you can cover your child with your work insurance policy, or you can get Ocare.
I thought we were talking about a hypothetical where many of the obamacare protections such as preexisting conditions are no longer in existence. Isnt that what this thread is about?
Ocare or state run insurance(Idaho, MD) cannot kick anyone off for pre-existing conditions. In fact, anyone pregnant or with a pre existing conditon can sign with Ocare or state run as long as it is during open enrollment or have a QLE.
Yes we all know that. This thread was a discussion of the HYPOTHETICAL scenario where that is no longer true
turducken -camicom -turducken -camicom -ABCTT_Ninpo Silva -I have a child with a pre existing condition that is considered a terminal illness. Not every person applying for insurance is an irresponsible unhealthy slob, but nice way to generalize a whole group of people into the most negative light.
Then you can cover your child with your work insurance policy, or you can get Ocare.
I thought we were talking about a hypothetical where many of the obamacare protections such as preexisting conditions are no longer in existence. Isnt that what this thread is about?
Ocare or state run insurance(Idaho, MD) cannot kick anyone off for pre-existing conditions. In fact, anyone pregnant or with a pre existing conditon can sign with Ocare or state run as long as it is during open enrollment or have a QLE.
Yes we all know that. This thread was a discussion of the HYPOTHETICAL scenario where that is no longer true
I'm sorry. I thought we were having a factual relative discussion about the state of the health insurance market today, not panicking and wailling about something that may never happen.If Ocare drops off many states will offer similar state plans, as some do now.
camicom -turducken -camicom -turducken -camicom -ABCTT_Ninpo Silva -I have a child with a pre existing condition that is considered a terminal illness. Not every person applying for insurance is an irresponsible unhealthy slob, but nice way to generalize a whole group of people into the most negative light.
Then you can cover your child with your work insurance policy, or you can get Ocare.
I thought we were talking about a hypothetical where many of the obamacare protections such as preexisting conditions are no longer in existence. Isnt that what this thread is about?
Ocare or state run insurance(Idaho, MD) cannot kick anyone off for pre-existing conditions. In fact, anyone pregnant or with a pre existing conditon can sign with Ocare or state run as long as it is during open enrollment or have a QLE.
Yes we all know that. This thread was a discussion of the HYPOTHETICAL scenario where that is no longer true
I'm sorry. I thought we were having a factual relative discussion about the state of the health insurance market today, not panicking and wailling about something that may never happen.If Ocare drops off many states will offer similar state plans, as some do now.
No, that's not what this thread was about. Read the thread title and the OP. It's a thread about the idea that preexisting conditions shouldn't be covered as they currently are under obamacare
camicom -turducken -camicom -ABCTT_Ninpo Silva -I have a child with a pre existing condition that is considered a terminal illness. Not every person applying for insurance is an irresponsible unhealthy slob, but nice way to generalize a whole group of people into the most negative light.
Then you can cover your child with your work insurance policy, or you can get Ocare.
I thought we were talking about a hypothetical where many of the obamacare protections such as preexisting conditions are no longer in existence. Isnt that what this thread is about?
Ocare or state run insurance(Idaho, MD) cannot kick anyone off for pre-existing conditions. In fact, anyone pregnant or with a pre existing conditon can sign with Ocare or state run as long as it is during open enrollment or have a QLE.
Right. But now Trump is challenging that in Texas court, which could turn it around everywhere. He wants insurance companies to be able to turn away people with preexisting conditions. That's what this thread is about. Maybe have someone read it to you.
Flavorful -camicom -turducken -camicom -ABCTT_Ninpo Silva -I have a child with a pre existing condition that is considered a terminal illness. Not every person applying for insurance is an irresponsible unhealthy slob, but nice way to generalize a whole group of people into the most negative light.
Then you can cover your child with your work insurance policy, or you can get Ocare.
I thought we were talking about a hypothetical where many of the obamacare protections such as preexisting conditions are no longer in existence. Isnt that what this thread is about?
Ocare or state run insurance(Idaho, MD) cannot kick anyone off for pre-existing conditions. In fact, anyone pregnant or with a pre existing conditon can sign with Ocare or state run as long as it is during open enrollment or have a QLE.
Right. But now Trump is challenging that in Texas court, which could turn it around everywhere. He wants insurance companies to be able to turn away people with preexisting conditions. That's what this thread is about. Maybe have someone read it to you.
Hypothetically, a meteor could wipe us off the planet next week. By all means, lets all panic about something that may never happen.
Trump is doing this for Obamacare, not state healthcare. When Obamacare folds, states will pick up the slack.
camicom -Flavorful -camicom -turducken -camicom -ABCTT_Ninpo Silva -I have a child with a pre existing condition that is considered a terminal illness. Not every person applying for insurance is an irresponsible unhealthy slob, but nice way to generalize a whole group of people into the most negative light.
Then you can cover your child with your work insurance policy, or you can get Ocare.
I thought we were talking about a hypothetical where many of the obamacare protections such as preexisting conditions are no longer in existence. Isnt that what this thread is about?
Ocare or state run insurance(Idaho, MD) cannot kick anyone off for pre-existing conditions. In fact, anyone pregnant or with a pre existing conditon can sign with Ocare or state run as long as it is during open enrollment or have a QLE.
Right. But now Trump is challenging that in Texas court, which could turn it around everywhere. He wants insurance companies to be able to turn away people with preexisting conditions. That's what this thread is about. Maybe have someone read it to you.
Hypothetically, a meteor could wipe us off the planet next week. By all means, lets all panic about something that may never happen.
Trump is doing this for Obamacare, not state healthcare. When Obamacare folds, states will pick up the slack.
It's a discussion. On a DISCUSSION forum
camicom -Bad Monkey -camicom -Bad Monkey -camicom -Bad Monkey -turducken -Flavorful -Actually agree with Trump on this one. You don't get car insurance after you get into an accident. Likewise for health insurance. People are waiting until they're sick and then expect insurance. Unfair to the rest ofm us.
We also need to change Reagan's bone-headed law that states hospitals have to treat you on the taxpayer's dime.
Time for individual responsibility.
You also have no perspective. What happens is that someone WITH insurance is diagnosed with a horrible illness. Towards the end of that year they get a letter from their insurance company saying their coverage will not be renewed and they are being dropped from the policy. They now have a "preexisting condition" and can't get covered again
This is not true.
This is true if the person if outside of Ocare, or Health Insurance through their employer. If someone is outisde of open enrollment or do not have a QLE(qualifying life event) then they have to get a Short Term Plan or a Hospital Idemnity Plan. The HIP plan pays a fixed benefit per occurence(100.00 per Dr visit) and so on. That is a continuous plan that would not be cancelled or have to be renewed. The benefts are minimal. A STM on the other hand is 90 day coverage, much like you would have with OCare without covering pre-existing conditions. The Obama admin initailly limited these plans to 90 days to force people to sign up for Ocare.
They rules have changed recently. Depending on the state and Insurance Co, you can sign up for anywhere from 1-4 90 day STM plans per year. Here is the answer to your question. If you have a 90 day STM plan, get injured or sick, then your coverage is pretty much going to be limited to those 90 days, because any condition carried over to the next 90 days would be considered pre-exisiting. With that being said, if you live in a state or go to an Insurance Co that allows you to sign up for more than just 90 days, then the condition from the first 90 days would be covered.
Hope this helps.
Ok, I’ve only been covered through work. I have an indemnity plan privately that I never use. But the part I was calling out as untrue is that you would be notified of an impending cancellation, and have an opportunity to source a new insurance provider, this no gap in coverage . Whether or not it would be priced in a way one could reasonably be expected to afford it is another matter.
Yes, if you were losing your coverage from your employer you would have a QLE and be able to start with OCARE or state equivalent.
Under what circumstances would you have your insurance dropped due to your deteriorating health occurring while insured and not have the opportunity to find new insurance, this eliminating the gap in coverage.
If you were on a Short Term Plan good for only 90 days.
How common are these plans? I’m unfamiliar with “short term plans”. Wouldn’t the point of these plans be to provide coverage during a gap between typical insurance plans?
angryinch -Flavorful -Actually agree with Trump on this one. You don't get car insurance after you get into an accident. Likewise for health insurance. People are waiting until they're sick and then expect insurance. Unfair to the rest ofm us.
We also need to change Reagan's bone-headed law that states hospitals have to treat you on the taxpayer's dime.
Time for individual responsibility.
Lol @ equating the health and well being of human society to a car being dinged.
Idiot.
But why should you be able to get sick and then get insurance is his point? He was saying you can't get car insurance after a car wreck and then make a claim on it. He wasn't equating the human body to a car body. He was using another form of insurance as a basis for comparison.
ABCTT_Ninpo Silva -fade2007 -Flavorful -UltimateKeyboardWarrior -ksacs revenge -"People are waiting until they're sick and then expect insurance. Unfair to the rest ofm us."
We could try mandating the purchase of health insurance.
.......and forcing the taxpayer to pay for the deadbeats.
Problem is the taxpayer is paying for the deadbeats either way. Reagan signed into law the mandate that hospitals must treat patients who walk in uninsured. Guess who pays for that?
It also doesnt help that hospitals get to make up what they charge.
Went to the ER for a rash that started on my chest and was moving downstairs so i got scared lol.
Waited about 2 hours in the waiting room only to be taken to a area only with a curtain. Showed a nurse the rash and she told me about some over the counter stuff that would get rid of it.
$1400 bill in the mail.
$1400 to show a nurse my chest and her take off in 2 minutes.
But if you had insurance, the insurance company would probably only pay between $140-300 for what you’re being charged $1400.
Somehow the insurance company gets to decide what they will pay, but we are fucked if it’s on us.
Which is BS.
Say i dont want health insurance but im willing to pay for the rare times i need to see a Dr. I shouldnt be charged ten times the amount. Thats why people dont pay it.
Theres zero chance i ever pay that $1400. If it would have been $100-200 id pay it in a heartbeat. Because while expensive for the treatment imo atleast its doable. $1400 is pure robbery.
turducken -Flavorful -Actually agree with Trump on this one. You don't get car insurance after you get into an accident. Likewise for health insurance. People are waiting until they're sick and then expect insurance. Unfair to the rest ofm us.
We also need to change Reagan's bone-headed law that states hospitals have to treat you on the taxpayer's dime.
Time for individual responsibility.
You also have no perspective. What happens is that someone WITH insurance is diagnosed with a horrible illness. Towards the end of that year they get a letter from their insurance company saying their coverage will not be renewed and they are being dropped from the policy. They now have a "preexisting condition" and can't get covered again
This actually happened to me in my early 20’s lol
well, not a horrible illness, but things insurance companies don’t like.
Bad Monkey -turducken -Flavorful -Actually agree with Trump on this one. You don't get car insurance after you get into an accident. Likewise for health insurance. People are waiting until they're sick and then expect insurance. Unfair to the rest ofm us.
We also need to change Reagan's bone-headed law that states hospitals have to treat you on the taxpayer's dime.
Time for individual responsibility.
You also have no perspective. What happens is that someone WITH insurance is diagnosed with a horrible illness. Towards the end of that year they get a letter from their insurance company saying their coverage will not be renewed and they are being dropped from the policy. They now have a "preexisting condition" and can't get covered again
This is not true.
It is true, the exact thing happened to my wife and I.
We were on my company plan, but when I left to start my own business, I bought our own coverage. At the time of renewal, we were told that my wife, because of her severe persistent asthma, would no longer be eligible for coverage due to her condition. And when we shopped around for a new carrier, no one would cover her asthma. She was born with it. She'll probably die of it, like her father. But the second they pull that part of the insurance mandate, we're probably going right back to having to pay cash for her prescriptions and doctor visits.
It can happen and does happen. And dumb-fuck crack babies like the op, who guzzle whatever stupid garbage their Dear Leader shovels down their throat, will be as much at fault as the fucking corrupt and worthless politicians.
Altofsky -As someone who is likely going to die of cancer, I would never expect a company to insure me after my diagnosis. They're not in business to help me. They're in business to make money. Is this ideal for me? Fuck no. Is it the reality of the situation? Yes.
Great, now let's talk about everyone who doesn't feel your way and has cancer.