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

[healthmyths]

The below statement sums up why the issue is phony.

An estimated 27% of adults under age 65 in the U.S. have a pre-existing condition.

And, a 2010 study conducted before enactment of ACA showed that 42% of adults aged 50 to 64 who tried to buy insurance in individual insurance markets were rejected outright, charged higher premiums, or had one or more disease conditions removed from coverage.
Possible Removal Of Pre-Existing Conditions Protections

WOW... 27% of adults under age 65 have a pre-existing condition that means of the total 55,671,030 supposedly
have a pre-existing condition that means that can't get health insurance right???
55.7 million! WOW...
But wait... 56% have group health insurance that covers them... that means.. 24.5 million without group insurance.
But wait...7% of Americans have private insurance so that leaves 22.7 million with out health insurance that might have "pre-existing conditions"...and can't get insurance... but WAIT...

When Obama floated this statement:
"We are not a nation that accepts nearly 46 million uninsured men, women and children,
It was proven by Politifact.org that Obama was "sloppy" because he counted 10 million that were illegal aliens.!
Wow... that meant then not 46 million but 36 million... But WAIT.....

Obama forgot this fact that was later PROVEN to be true by the same guy who said it took the stupidity of voters to pass Obamacare, when Obama counted 14 million as part of the 46 million uninsured...THAT WERE ELIGIBLE BEFORE ACA for Medicaid... they just didn't enroll!
PROOF! Last year, analysis from the RAND Corporation found that 6.1 million new Medicaid enrollees were already
eligible for Medicaid. MIT economist and Obamacare architect Jonathan Gruber estimates that nearly 9 million new Medicaid enrollees were already eligible.
Millions of Obamacare enrollees already had health insurance

a) So of the 46 million Obama stated 10 million illegal, 14 million were eligible for Medicaid...
that leaves 22 million that don't have insurance...
b) So if the 27% is a valid number 27% of 22 million that honestly WANT health insurance but due to pre-existing
conditions or less than 6 million people that can't get health insurance that want health insurance but due to
pre-existing conditions can't get it!

I'm going to shout now:
THAT is NOT half of all Americans that have pre-existing conditions!!!
Yet that was what started this whole conversation when Obama said:
Up to half of all Americans have a pre-existing condition." — Barack Obama on Thursday, September 26th, 2013 in a speech about the Affordable Care Act
Obama says half of Americans have a pre-existing condition

AND that's what got people all bent out of shape!
There are NOT half of all Americans that pre-existing conditions preventing them from getting health insurance!

NOW here is a solution for those truly 6 million that either don't qualify for Medicaid or group health insurance:
TAX the lawyers who have caused NEARLY $850 Billion a year in wasted health expenses.
10% of the The legal services industry in the United States generated 256.66 billion U.S. dollars in revenue in 2013.Topic: Legal services industry in the U.S.
25 billion in tax revenue would provide a $340/month health insurance premium for the 6 million that have pre-existing conditions.

 

[konradv]

Everyone has has a pre-existing condition, mortality. If anyone can be so designated and denied coverage, then we all can. That should be the concern, because it can effect all of us when those decisions can be made solely on a financial basis.

 

[Oddball]

Everyone has has a pre-existing condition, mortality. If anyone can be so designated and denied coverage, then we all can. That should be the concern, because it can effect all of us when those decisions can be made solely on a financial basis.

Oh, so pre-existing conditions get insured and nobody dies...Gotcha.

 

[konradv]

Everyone has has a pre-existing condition, mortality. If anyone can be so designated and denied coverage, then we all can. That should be the concern, because it can effect all of us when those decisions can be made solely on a financial basis.

Oh, so pre-existing conditions get insured and nobody dies...Gotcha.

As usual, you get nothing. Get lost, meme boy.

 

[BuckToothMoron]

Everyone has has a pre-existing condition, mortality. If anyone can be so designated and denied coverage, then we all can. That should be the concern, because it can effect all of us when those decisions can be made solely on a financial basis.

Oh, so pre-existing conditions get insured and nobody dies...Gotcha.

Right! It is like he doesn’t understand the words he types. No liberal should ever be unhappy, because they clearly have the ability to believe anything.

 

[kyzr]

What's not phony is that Obamacare stopped those actually paying for healthcare from seeing doctors because the deductibles are so high that no one can actually afford to see doctors, unless you're getting free healthcare. Even Bill Clinton called it the "craziest healthcare system ever". I prefer the pre-Obamacare system.

 

[Oddball]

As usual, you get nothing. Get lost, meme boy.

Not my fault you can't make a cogent post.

 

[healthmyths]

Everyone has has a pre-existing condition, mortality. If anyone can be so designated and denied coverage, then we all can. That should be the concern, because it can effect all of us when those decisions can be made solely on a financial basis.

Question...
Do you have car insurance or home insurance?
Did you know that every car or home insurance policy is priced BASED on your conditions... not necessarily health but other factors.
Why are you then offended when a health insurance company wants to minimize their costs by eliminating risks?
After all that's what insurance is all about.

 

[NightFox]

.And the Academy Award for the Best SmartAss Comment of the month goes to.....

Oh, so pre-existing conditions get insured and nobody dies...Gotcha.

 

[bullwinkle]

The below statement sums up why the issue is phony.

An estimated 27% of adults under age 65 in the U.S. have a pre-existing condition.

And, a 2010 study conducted before enactment of ACA showed that 42% of adults aged 50 to 64 who tried to buy insurance in individual insurance markets were rejected outright, charged higher premiums, or had one or more disease conditions removed from coverage.
Possible Removal Of Pre-Existing Conditions Protections

WOW... 27% of adults under age 65 have a pre-existing condition that means of the total 55,671,030 supposedly
have a pre-existing condition that means that can't get health insurance right???
55.7 million! WOW...
But wait... 56% have group health insurance that covers them... that means.. 24.5 million without group insurance.
But wait...7% of Americans have private insurance so that leaves 22.7 million with out health insurance that might have "pre-existing conditions"...and can't get insurance... but WAIT...

When Obama floated this statement:
"We are not a nation that accepts nearly 46 million uninsured men, women and children,
It was proven by Politifact.org that Obama was "sloppy" because he counted 10 million that were illegal aliens.!
Wow... that meant then not 46 million but 36 million... But WAIT.....

Obama forgot this fact that was later PROVEN to be true by the same guy who said it took the stupidity of voters to pass Obamacare, when Obama counted 14 million as part of the 46 million uninsured...THAT WERE ELIGIBLE BEFORE ACA for Medicaid... they just didn't enroll!
PROOF! Last year, analysis from the RAND Corporation found that 6.1 million new Medicaid enrollees were already
eligible for Medicaid. MIT economist and Obamacare architect Jonathan Gruber estimates that nearly 9 million new Medicaid enrollees were already eligible.
Millions of Obamacare enrollees already had health insurance

a) So of the 46 million Obama stated 10 million illegal, 14 million were eligible for Medicaid...
that leaves 22 million that don't have insurance...
b) So if the 27% is a valid number 27% of 22 million that honestly WANT health insurance but due to pre-existing
conditions or less than 6 million people that can't get health insurance that want health insurance but due to
pre-existing conditions can't get it!

I'm going to shout now:
THAT is NOT half of all Americans that have pre-existing conditions!!!
Yet that was what started this whole conversation when Obama said:
Up to half of all Americans have a pre-existing condition." — Barack Obama on Thursday, September 26th, 2013 in a speech about the Affordable Care Act
Obama says half of Americans have a pre-existing condition

AND that's what got people all bent out of shape!
There are NOT half of all Americans that pre-existing conditions preventing them from getting health insurance!

NOW here is a solution for those truly 6 million that either don't qualify for Medicaid or group health insurance:
TAX the lawyers who have caused NEARLY $850 Billion a year in wasted health expenses.
10% of the The legal services industry in the United States generated 256.66 billion U.S. dollars in revenue in 2013.Topic: Legal services industry in the U.S.
25 billion in tax revenue would provide a $340/month health insurance premium for the 6 million that have pre-existing conditions.
View attachment 221886

Anecdote: Years ago I recall hearing of a son advised to NOT donate a matching kidney to his desperately ill father because it would create in the son a 'pre-existing condition' that would penalize him the rest of his life. I believe he went ahead anyway. I wonder how he feels now, having the pre-existing part erased, then restored by an admin that taxes in a way the makes the rich richer and takes away deductions from the poorer among us.

 

[bullwinkle]

Everyone has has a pre-existing condition, mortality. If anyone can be so designated and denied coverage, then we all can. That should be the concern, because it can effect all of us when those decisions can be made solely on a financial basis.

Question...
Do you have car insurance or home insurance?
Did you know that every car or home insurance policy is priced BASED on your conditions... not necessarily health but other factors.
Why are you then offended when a health insurance company wants to minimize their costs by eliminating risks?
After all that's what insurance is all about.

Because you can live without the convenience of a car and get by. You take the chance of not having home insurance and get by. But without health insurance, if ill health strikes, you can lose the home and the car and still die from lack of care when all else runs out, leaving a family in desperate need in addition to grief.

 

[Windparadox]

`
"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

`

 

[Brain357]

What's not phony is that Obamacare stopped those actually paying for healthcare from seeing doctors because the deductibles are so high that no one can actually afford to see doctors, unless you're getting free healthcare. Even Bill Clinton called it the "craziest healthcare system ever". I prefer the pre-Obamacare system.

Pre was filled with bankruptcy and skyrocketing costs. We need something better than pre. Pre was so bad it got us Obamacare.

 

[NightFox]

`
"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. "

`

Yeah, I had the same problem, I found it impossible to purchase fire insurance on my house after it burned down.

What kind of heartless asshole won't insurance against eventualities that have already occurred ?

 

[Oddball]

Because you can live without the convenience of a car and get by. You take the chance of not having home insurance and get by. But without health insurance, if ill health strikes, you can lose the home and the car and still die from lack of care when all else runs out, leaving a family in desperate need in addition to grief.

Completely irrelevant to the concept.....I could use the same argument for food, and nobody is fool enough to propose the kind of "food insurance" that is being demanded for medical care.

 

[Polishprince]

When an insurance company sells someone a medical policy, they base their premium on the chances that claims will be made on the policy. They aren't the same across the board. Older people endure more medical costs, so do people who skydive on the weekends, smoke 4 packs a day, drinks a fifth a day or are burdened by serious and expensive illnesses.

That's what the art of underwriting is all about, assessing the risk that a premium payer poses to the company and charging based upon that risk.

They do the same with other forms of insurance as well. Life insurance, fire insurance, auto insurance. Someone who lives in a shingle house next door to an asylum for pyromaniacs pays more for a fire policy than someone in an asbestos home sitting by itself.

 

[Polishprince]

What kind of heartless asshole won't insurance against eventualities that have already occurred ?

Casinos are like that- they refuse to sell you Blackjack Insurance after the dealer has turned over his down card and revealed a face. They insist you buy the policy before you see the card

 

[candycorn]

.And the Academy Award for the Best SmartAss Comment of the month goes to.....

Oh, so pre-existing conditions get insured and nobody dies...Gotcha.

It wasn’t that smart. It was just a conservative being an ass. Nothing new.

 

[healthmyths]

Everyone has has a pre-existing condition, mortality. If anyone can be so designated and denied coverage, then we all can. That should be the concern, because it can effect all of us when those decisions can be made solely on a financial basis.

Question...
Do you have car insurance or home insurance?
Did you know that every car or home insurance policy is priced BASED on your conditions... not necessarily health but other factors.
Why are you then offended when a health insurance company wants to minimize their costs by eliminating risks?
After all that's what insurance is all about.

Because you can live without the convenience of a car and get by. You take the chance of not having home insurance and get by. But without health insurance, if ill health strikes, you can lose the home and the car and still die from lack of care when all else runs out, leaving a family in desperate need in addition to grief.

But you missed the point!
The point is "pre-existing conditions" IS NOT half of all Americans have pre-existing conditions, thus preventing them from health insurance" which was the implication.
Less than 6 million and those 6 million could get that insurance IF the government TAXED the industry that has caused $850 billion a year in wasted health care expenses.
You haven't addressed that.

 

[NightFox]

What kind of heartless asshole won't insurance against eventualities that have already occurred ?

Casinos are like that- they refuse to sell you Blackjack Insurance after the dealer has turned over his down card and revealed a face. They insist you buy the policy before you see the card

Yeah I know, it's total bullshit, the pricks also won't let you place a bet on a football game after the game has ended.

"There are worse things in life than death. Have you ever spent an evening with an insurance salesman?" -- Woody Allen