Well most of you got what you wanted, half arse ins.

Discussion in 'Healthcare/Insurance/Govt Healthcare' started by Penelope, Aug 1, 2018.

  1. Penelope
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    Penelope Platinum Member

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    By contrast, short-term policies:

    · are often medically underwritten – applicants with health conditions can be turned down or charged higher premiums, without limit, based on health status, gender, age, and other factors;

    · exclude coverage for pre-existing conditions – policyholders who get sick may be investigated by the insurer to determine whether the newly-diagnosed condition could be considered pre-existing and so excluded from coverage;4

    · do not have to cover essential health benefits – typical short-term policies do not cover maternity care, prescription drugs, mental health care, preventive care, and other essential benefits, and may limit coverage in other ways (Table 2);

    · can impose lifetime and annual limits – for example, many policies cap covered benefits at $2 million or less.

    • are not subject to cost sharing limits – some short term policies, for example, may require cost sharing in excess of $20,000 per person per policy period, compared to the ACA-required annual cap on cost sharing of $7,350 in 2018 (Table 1); and
    • are not subject to other ACA market requirements – such as rate review or minimum medical loss ratios; for example, while ACA-compliant non-group policies are required to pay out at least 80% of premium revenue for claims and related expenses, the average loss ratio for individual market short-term medical policies in 2016 was 67%; while for the top two insurers, who together sold 80% of all short-term policies in this market, the average loss ratio was 50%

    Understanding Short-Term Limited Duration Health Insurance

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    I hope you are covered under work, because this is really crap. Heres hoping all you Trump voters get ill. I really hope so. You got rid of the ACA and this is what you got for gig employment.
     
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  2. Penelope
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    Penelope Platinum Member

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    I love it, you had best not change jobs, because if you do , you will be without ins. Remember who you voted for.
    I'm on Medicare, and my husband will soon be.

    You have just screwed yourselves. I think most of you don't want to carry ins, can always go to the ER if I get sick , or you think your job is safe and always going to be there, NO its not. Remember we are right to work states now, and with the decrease in unions, well I hope you get what you wanted, its too bad most people that didn't vote for the jerk don't deserve this.
     
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  3. pismoe
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    pismoe Gold Member

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    is the MANDATE Gone Penny ??
     
  4. dblack
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    dblack Gold Member

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    Unfortunately, the Republicans didn't have the balls to repeal ACA outright. The mandate is still there. It's just dialed down to zero. For the moment. A couple of elections later, who knows?
     
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  5. debbiedowner
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    debbiedowner Gold Member

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    I do wonder about the zero, today I completed my ACA certification and one part described what the penalty was this year for not having insurance and then said the number's have not been released by IRS for 2019. I sat there and read over it a few times and said WTF?
     
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  6. pismoe
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    pismoe Gold Member

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    well , thanks for confirmation , with the MANDATE gone its all cool Debbie .
     
  7. debbiedowner
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    debbiedowner Gold Member

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    It's a done deal up to three years for a STM policy. Now this is a cash cow for insurance companies.
     
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  8. debbiedowner
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    debbiedowner Gold Member

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    It is gone next year but those words that the amounts were not available for 2019 (penalty) made me wonder.
     
  9. Penelope
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    Penelope Platinum Member

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    Do you pay Medicare out of your check, if not , and if you work for cash I sure hope you don't get it.
     
  10. dave p
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    dave p Silver Member

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    It says a lot about you that you want people to get sick because they voted for someone you don't like. There's that tolerant liberalism we keep hearing about.
     

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