Do conservatives not understand how important it is to protect pre-existing conditions?

[frigidweirdo]

Here's my point. Again.

I'm not a car.

Insurance for something that can be bought, burned, destroyed, and then bought again is one thing. But we're talking about a human body.

We can't get another one.

So, the system of having insurance for health along the same lines as insurance for cars, is bullshit.

That you're not a car doesn't change the nature of how insurance works... How does you not being a car and claiming an exigent circumstance, obviate the laws of economics and render the actuarial models of how insurance companies work and stay in operation entirely null and void?...Your temporary acute situation suspends all reality, and demands that everyone else pay for it, right?

And lolberals claim others to be detached from reality....lmao.

Exactamondo.

Insurance doesn't change and it's totally unsuited to healthcare.

Firstly, it's unsuited to healthcare because it leads to massive fraud.

The $272 billion swindle

"
The $272 billion swindle
Why thieves love America’s health-care system"

Pharma companies are treating it like a cash cow. They gain their money from the US far more than anywhere else.

Doctors are part of the fraud. Handing out pills like crazy, because it makes the pharma companies rich and the doctors get a slice of the pie.

Pharmaceutical spending per capita by country 2017 | Statistic

In the US per capita the US spent the most on pharmaceuticals.

Antidepressant use on the rise in rich countries, OECD finds

"Separate data from the US shows that more than 10% of American adults use the medication. "

Secondly it leads to people not getting healthcare.

You're basically telling me that money is the only thing that counts. If you're not rich enough, screw you. If you were born wrong, screw you. If you get unlucky, screw you, unless you're rich.

The UK govt manages to spend LESS than the US federal govt and yet treats everyone.

So it's basically a case of "you don't have enough money to stay alive. Sorry"

What kind of a society doesn't look after its own people?

You've moved the goalposts....Claiming that people should be covered by insurance for pre-existing conditions is a separate issue from the pharmaceutical-industrial complex being a big scam.

But thanks for playing...Johnny has a case of Bardahl for you as a parting gift.

No, I clearly haven't. Seeing as you responded to what I said and what I've said has stayed the same.

Not protecting pre-existing conditions is just another reason why the US healthcare system doesn't work.

I said I'm not a car. Remember? No? That's for playing.

 

[Oddball]

Not protecting pre-existing conditions is just another reason why the US healthcare system doesn't work.

Non sequitur....One has nothing to do with the other....

Moreover, unless you have specifically contracted for them, you have no right to a third-party payor for any services rendered, regardless of your opinion of their necessity....Acting as though you do is at the core of the insurance problem.

 

[EverCurious]

That's nice, I'm not willing to pin my hopes of not getting randomly sold out to a hostile foreign market by a greedy CEO. It's bad enough we're randomly sold out by our own politicians isn't it?

You've already been sold out to a hostile warfare/welfare state, by the greedy CEOs and politicians operating the military industrial complex.

You've been chumped and are too wedded to your statist model of operating to recognize it.

Despite what your socialist/communist teachers told you, we're not greedy, we just feel that we are wiser than the government when it comes to money (spending, growing, or saving.) I guarantee you that I could make you a shit ton more with your money than any government would. However, unlike the gov, I encourage you to judge our investment/wise spending abilities for yourself and decide for yourself (or keep that money for yourself, or even play your own hand at investing it, or whatever /you/ want to voluntarily do with it.) I make zero demands of your money, at best, I might entice you to buy a product or service, but I won't force you to.

 

[Toddsterpatriot]

“Hello? State Farm? I have a pre-burnt house I need to get fire coverage on. Democrats say you owes me”

Dumb.

They are, but they're Dems, so yeah.........

 

[fncceo]

The real pharmaceutical swindle in the USA is the $30 Billion spent on 'alternative' medicine that can make no scientific claims of efficacy and is subject to little or no clinical trials.

Legitimate pharmaceutical companies, on the other hand, make Billions of dollars selling the drugs globally, but also spend Billions of dollars developing, testing, and assuring the safety and efficacy of actual medicinal drugs.

Remember, however, if you're feeling swindled by pharmaceutical companies, you're under no obligation to buy their products. In fact, if you don't trust the drugs you're being prescribed by licensed doctors then, by all means, don't take them.

No one is going to come to your house and stick a needle in your arm if you don't want.

 

[IM2]

10s of millions Americans would be affected by this. Either conservatives do not even understand this subject, or they believe it won’t affect them personally. That’s their “I got mine - fuck everyone else philosophy”. Of course once they realize it will affect them, only then would they support the protections.

That’s America for you.

Bull shit outright lie. Tell you what, instead of listening to panic merchants on TV, how bout you crack your insurance book your job gave you. I have never been turned down for a pre existing condition. Before token negro care came along, all one had to do is cover the cost of the condition for sis months UNLESS they were undergoing treatment for the condition for six months PRYOR to getting a new policy. After token negro care came along that remained the same except for two things. One, token negro got to grandstand and two, the out of pocket costs were doubled and then tripled under token negro care. What you are parroting from TV just isn’t true when you dig into it.

I had a health insurance license and I have seen people denied because of preexisting conditions. I have also seen people rated up so high they couldn't afford the insurance

Bull shit. I don’t give two shits what license you held or hold. I can pull my plan books and shot you from 1996. Six months out of pocket unless the insurance you had prior was treating you for six months or more. I had two preexisting conditions and I was fine. All his other shit is nothing but lies ment to scare old people.

I don't give a fuck about what your policy says either. This doesn't apply to all companies. Some companies will not insure certain conditions or occupations.

 

[Flopper]

it was all a big fallacy.

don't you remember ?

you could pay for insurance with "pre existing" conditions, but they told us the doctor didn't have to take you

If you had a history of heart problems and cancer, you could get insurance you could afford, it just wouldn't provide the coverage you really needed. Every healthcare plan was different. There were inexpensive plans sold to fast food workers that took full effect only after 6 months or a year of employment, which guaranteed few claims since the turnover rate meant about half the employees had no insurance even thou they paid premiums. Then there were policies with low caps that paid for inexpensive routine care but left you with no coverage when you got seriously ill. However the most outrageous plans were those that contained clauses in the insurance contract that allowed the company to deny a claim for practically any reason such as; if in their opinion, you developed an unhealthy lifestyle, or you didn't go to the doctor when should have. In the good days, it was great to be in the health insurance. business. Companies could really maximize premiums and minimize claims.

 

[frigidweirdo]

Not protecting pre-existing conditions is just another reason why the US healthcare system doesn't work.

Non sequitur....One has nothing to do with the other....

Moreover, unless you have specifically contracted for them, you have no right to a third-party payor for any services rendered, regardless of your opinion of their necessity....Acting as though you do is at the core of the insurance problem.

The US healthcare system doesn't work for many reasons. I've shown those reasons.

One of the reasons the US healthcare system doesn't work is because people with pre-existing conditions get fucked over.

Simple as. You don't like it, don't respond.

 

[Flopper]

“Hello? State Farm? I have a pre-burnt house I need to get fire coverage on. Democrats say you owes me”

Nope, not the same.

Exactly the same.

So a house that had a fire 20 years ago in itg can never be insured against fire?

Or maybe homes that are constructed of wood (thus a preexisting condition) can never be insured against fire?

I bought individual insurance in 1998 for about 3 years when I was ineligibly for a group plan. I filled out a standard questionnaire that all insurance companies in the state used. It was 24 pages in length. About a third of the question were about health problems I had never heard of. Each question you answered yes were points against you. For example, if you had practically any kind of cancer within 5 years, you got a 1000 points which made you ineligible for any policy sold. Or for example, if you said you had asthma and sinusitis you were also ineligible. You also had to have a physical conducted by one of the company doctors or nurses. People that were ineligible were placed in a high risk pool, which was a place you did not want to be. You had practically no choice in the plan and the plan premiums were huge. You also had to reapply every 3 years, so if you got really sick, your insurance cost went up with all kinds added exceptions. As your health deteriorated, your premiums rose. If you didn't get coverage under Medicaid or get on a group plan, you were screwed.

 

[JBond]

Insurance is for the unexpected...You don't wreck your car, then go to your insurance agent demanding collision coverage for your "pre-existing condition"... Either socialists won't understand this, or are just plain stupid.

That's the GIBSMEDAT! culture for you.

You idiot. The point is that healthcare shouldn’t be treated like it’s insurance. You equating car insurance as justification for rejecting healthcare coverage is ridiculous

It is a shame Obama had the insurance companies write the law. Dems are dumb.

 

[otto105]

Insurance is for the unexpected...You don't wreck your car, then go to your insurance agent demanding collision coverage for your "pre-existing condition"... Either socialists won't understand this, or are just plain stupid.

That's the GIBSMEDAT! culture for you.

You idiot. The point is that healthcare shouldn’t be treated like it’s insurance. You equating car insurance as justification for rejecting healthcare coverage is ridiculous

It is a shame Obama had the insurance companies write the law. Dems are dumb.

Try to hide your ignorance better.

 

[fncceo]

As your health deteriorated, your premiums rose. If you didn't get coverage under Medicaid or get on a group plan, you were screwed.

The alternative to insurance is creating your own health savings plan. Insurance companies entire business model is based on the fact that far more people will require less in medical costs than the total of their premiums. While a minority will require more.

If you take the equivalent of an average insurance premium and save it on a monthly basis in an average yield account, you are likely to have more than enough to deal with your medical expenses over a lifetime. If this weren't true then insurance companies would go out of business.

Of course, this requires having the foresight to begin paying in as soon as you are not covered under a healthcare policy and having the discipline to maintain it.

 

[JBond]

Insurance is for the unexpected...You don't wreck your car, then go to your insurance agent demanding collision coverage for your "pre-existing condition"... Either socialists won't understand this, or are just plain stupid.

That's the GIBSMEDAT! culture for you.

You idiot. The point is that healthcare shouldn’t be treated like it’s insurance. You equating car insurance as justification for rejecting healthcare coverage is ridiculous

It is a shame Obama had the insurance companies write the law. Dems are dumb.

Try to hide your ignorance better.

HEALTHCARE
November 10, 2014 - 05:13 PM EST
ObamaCare architect: 'Stupidity' of voters helped bill pass

An architect of the federal healthcare law said last year that a "lack of transparency" and the "stupidity of the American voter" helped Congress approve ObamaCare.

In a clip unearthed Sunday, Massachusetts Institute of Technology Professor Jonathan Gruber appears on a panel and discusses how the reform earned enough votes to pass.


He suggested that many lawmakers and voters didn't know what was in the law or how its financing worked, and that this helped it win approval.

"Lack of transparency is a huge political advantage,” Gruber said. "And basically, call it the stupidity of the American voter or whatever, but basically that was really, really critical for the thing to pass."

Your bitch did as told.

ObamaCare Enriches Only The Health Insurance Giants and Their Shareholders

 

[dblack]

It is a shame Obama had the insurance companies write the law. Dems are dumb.

Try to hide your ignorance better.

Try not to advertise yours. Google Liz Fowler.

 

[Flopper]

Insurance is for the unexpected...You don't wreck your car, then go to your insurance agent demanding collision coverage for your "pre-existing condition"... Either socialists won't understand this, or are just plain stupid.

That's the GIBSMEDAT! culture for you.

You idiot. The point is that healthcare shouldn’t be treated like it’s insurance. You equating car insurance as justification for rejecting healthcare coverage is ridiculous

It is a shame Obama had the insurance companies write the law. Dems are dumb.

Without government inference, an insurance company will select only healthy people and charge the highest premium the market will bear. When they become seriously ill, they will find some way to limit claims. It is an industry that has to be highly regulated or the customer will get screwed.

Obamacare require everyone to be covered for absolutely everything. Insurance stopped being insurance and became a government subsidized healthcare plan. Insurance companies could not control their risk pool and they could not control their coverage. The only thing they could control was their premiums. Under this situation, a single payer system is far less costly.

 

[JBond]

Americans can not afford their risky behavior. From STD's to enormous fat people that ride on motorized carts for cookies.

 

[fncceo]

STD's to enormous fat people that ride on motorized carts for cookies.

STDs are much more prevalent in the 3rd world than they are in America.

 

[JBond]

STD's to enormous fat people that ride on motorized carts for cookies.

STDs are much more prevalent in the 3rd world than they are in America.

That is scary. Watched a video a few years ago with my son who is 22. The college videos regarding this issue are tame. Absolutely useless. Back in the 90's they showed the nastiest stuff you hope never touches you.

 

[Flopper]

As your health deteriorated, your premiums rose. If you didn't get coverage under Medicaid or get on a group plan, you were screwed.

The alternative to insurance is creating your own health savings plan. Insurance companies entire business model is based on the fact that far more people will require less in medical costs than the total of their premiums. While a minority will require more.

If you take the equivalent of an average insurance premium and save it on a monthly basis in an average yield account, you are likely to have more than enough to deal with your medical expenses over a lifetime. If this weren't true then insurance companies would go out of business.

Of course, this requires having the foresight to begin paying in as soon as you are not covered under a healthcare policy and having the discipline to maintain it.

A health savings plan is great for reducing the burden of unexpected healthcare costs that pop up from time to time but not the really big costs. My mother died with cancer over 15 years ago with medical bills exceeding a $100,000 which would have been several times that today. My brother in law died after 3 weeks in intensive care with a cost of over $450,000. People can't and won't put aside that much money to pay medical bills that may be a lot more than they can save or a lot less or nothing at all.

The purpose of insurance is not to pay for what is likely but for what is unlikely to happen. From a strictly financial standpoint a catastrophic health insurance plan with a high deductible that will cover the unlikely medical problems and a healthcare savings program to help pay less serious problems is the best plan for many people.