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

[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

Healthcare and insurance are two different things. Stop acting like a fool. You clowns have screwed up both healthcare and insurance. Your ideas have failed. Time for real reform.

 

[fncceo]

I think we should get insurers, doctors and nurses together for a conference to find a rational system.

I support a cash only system to pay for medical expenses. It's only fair.

 

[Oddball]

People who cry socialism often remind me of the boy who cried wolf. Any time you regulate something it becomes socialism. The government has the right to regulate insurance companies and requiring them to cover people with pre-existing conditions and capping rates for certain groups is not socialism. I have advocated that the Obamacare plan be reformed. I think we should get insurers, doctors and nurses together for a conference to find a rational system. I support the refundable tax credits and people choosing a plan that fits them. That is not socialism.

Uh-huh...The very people who have regulated medical care to it's current unruly and expensive mess are the ones who, with just a few more rules and regulations, are going to fix it.

 

[otto105]

“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.

 

[fncceo]

Universal Lawn Care is my right!

 

[busybee01]

My son is a Type-1 diabetic because his own body attacked his pancreas and it no longer produces insulin. There is no diet in the world that can fix it. His only choice to live is to put artificial insulin into his body multiple times a day.




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That is too bad. God bless. I wish him and your family well.

However, it is not my responsibility to pay his health care bills.

Never said it was. I would just like for him to have the same chances at insurance that the rest of us get


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If he has been paying into an insurance pool the same as the rest of us then he should be able to get his money out.

If not then he needs to find another way to pay.

Just leave me out of it.

Insurance is about more than just a pile of money that people pay into, it is also about shared risk.

Some people pay in money and never come close to using what they paid in, should they get that back when they die? Of course not.

Some people pay in money for 30 years and never come close to paying for what the spend.

Health insurance is not unlike the roads you in your city and state. You pay for them all, but you only drive on a few of them.

Bad analogy.

We all pay for roads directly and indirectly. Even the people that don't drive pay through by buying goods and services from the people that do pay to use the roads.

An insurance pool is a closed economic system. The people in the pool pay via the risk assessment. If somebody entrees with a large cost because of pre existing conditions and hadn't pay into the pool then somebody else has to foot the bill and that is not right.

Insurance is not welfare and shouldn't be. You are not entitled to an insurance payout just because you are alive. You need to have paid your fair share. Pre existing conditions is wrong.

That is why you have a risk pool. To spread out the risk. You are the most ignorant bastard that I have read. They are paying into the pool. Insurance has nothing to do with welfare.

 

[fncceo]

“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.

 

[busybee01]

[Q


where do you end your welfare analogy? what about the guy that only paid in for 4 months and then is diagnosed with cancer. he did not pay his fair share, should the insurance companies be able to drop him?

You could pay in for 30 years and still not cover the cost of a prolonged cancer or other treatments.

Sometimes in a pool you will have outliers. Insurance premiums will reflect those outliers. That is much different that having government mandated acceptance of pre existing conditions.

Mandatory acceptance of pre existing conditions is welfare and that is wrong.

It is not welfare. Governments have a right to regulate insurance companies. It is NOT welfare and not wrong.

 

[fncceo]

It is not welfare. Governments have a right to regulate insurance companies. It is NOT welfare and not wrong.

 

[dudmuck]

If he has been paying into an insurance pool the same as the rest of us then he should be able to get his money out.

If not then he needs to find another way to pay.

Just leave me out of it.

Insurance is about more than just a pile of money that people pay into, it is also about shared risk.

Some people pay in money and never come close to using what they paid in, should they get that back when they die? Of course not.

Some people pay in money for 30 years and never come close to paying for what the spend.

Health insurance is not unlike the roads you in your city and state. You pay for them all, but you only drive on a few of them.

No insurance company is going to allow people with preexisting conditions have a policy on the same terms as healthy people. They would go bankrupt if they did.

Absolutely!

...and the friggin government should not mandate it.

woe is you. just over half support single payer.

Not if you bought fire insurance BEFORE you burnt down your house.

Do you get how insurance works now?

Lets hypothetically say somebody gets sleep apnea. Then this person changes jobs or employer changes insurance carrier. Now you have a per-existing condition.

 

[SmokeALib]

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.

Argentina is looking for a few good men. That probably leaves you out, but perhaps you can sneak in.

 

[Wyatt earp]

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's the same thing, not responsible for you stuffing your fat face with junk food and not working out

There are plenty of people who are born with pre-existing conditions. How did they stuff themselves.

I am not talking about being born with them, I have no problem helping them, it's the people who abuse themselves and want me to take care of them..

 

[bripat9643]

What conservatives don’t understand is that to allow insurance companies to deny coverage for pre-existing conditions means those denied will be forced to seek treatment in emergency rooms, which will be considerably more expensive due to the medical condition having become critical and because the patient has no health insurance to cover the cost of that expensive treatment; a cost that will be passed on to consumers as higher insurance premiums to address hospitals increasing the expense of their services to make up for the losses incurred treating the uninsured.

Unless the GOP ‘plan’ is to have hospitals and their emergency rooms refuse to treat those uninsured and relegate those uninsured to die in the streets.

That was the situation before Obamacare, and somehow it was cheaper.

 

[Sun Devil 92]

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

You never made that argument you stupid son-of-a-bitch. But, now you want to roll it in.

The fact is that nobody wants to see people weighed down by the debt associated with PEC's.

His argument is more valid than yours.

The real question is whether or not we want this for America.

 

[bripat9643]

Anybody demanding that they get preexisting conditions covered when they didn't pay insurance is also demanding that somebody else pay their bills.

Disgusting, in't it?

What they are asking for is reasonable rates. They are not saying they should pay nothing. Quit lying.

What's "reasonable" if you have cancer?

Insurance premium cost consist of risk rates for the pool plus adminstrative costs and a profit for the company administering the funds.

We have pretty good estimates of the number of people in pool that could get cancer or other high cost diseases and can reasonably estimate the cost to the pool.

When you have somebody come into be the pool with high cost that haven't paid in because of government mandated acceptance of pre existing conditions that drives up the cost for everybody else.

That person is a part of the risk pool so yes costs do go up. That is why you have a risk pool.

Sorry, but they are not part of a "risk pool." They are a dead certain burden on the system. An already wrecked car isn't a risk to an insurance company, it's a cost certain.

 

[bripat9643]

Fuck pre existing conditions. That is nothing more than welfare to have a government mandate to require that insurance companies accept somebody that didn't pay into the insurance pool.

Liberals don't understand the concept of what insurance is all about. It is not welfare. It is pooling. You pay in when you are well and take out when you are sick. If you don't pay in then you shouldn't be allowed to take out.

All filthy Liberals want is for somebody else to pay their bills. Despicable!

You just made the perfect case for a mandate. You are the despicable person.

It is your responsibility to pay your bills Moon Bat. Stop being so greedy SOB demanding other people pay for you. That makes you an asshole. You are not entitled to my money just because you are alive. Go pay your own bills and that includes your health care .

You are the fucking asshole. SOB s like you don't give a damn about anyone but yourself. Go find a desert island and you don't have to pay for anything. You get all sorts of subsidies from others that you don't complain about.

...and you are a fucking asshole thinking that somebody else should pay your health care bills.

That is your responsibility you greedy little fuck.

Stop being a piece of welfare shit.

You are the greedy little piece of trash. take your welfare shit and shive it up your ass. Helping people is not welfare.

Sure it is.

 

[Sun Devil 92]

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.

Except that healthcare can cost tens of thousands, or even hundreds of thousands, of dollars. An amount most people can't afford to just pay out of pocket. Which is, of course, why we have insurance.

If heathcare was reasonable, I might be more inclined to agree. But it isn't. Only extremely rich people can drop a few hundred grand for healthcare.

Somebody is going to pay it. Especially when you have a medical system that has inflated prices due to Medicare. In some places, hospitals are terrible...but they don't care. As long as the medicare dollars roll in...that is all that matters.

 

[bripat9643]

Let em die

Right Republicans?

We're sure a compassionate leftwinger like you will volunteer to pay their medical bills.

Just like how all the compassionate rightwingers volunteer to adopt all the babies that are not aborted.

That argument is wasted on me. I'm not against legal abortion.

 

[Sun Devil 92]

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.

if those stupid sob's dont know it now they damn sure will after the mid term elections ---

Keep crowing.

 

[Sun Devil 92]

What conservatives don’t understand is that to allow insurance companies to deny coverage for pre-existing conditions means those denied will be forced to seek treatment in emergency rooms, which will be considerably more expensive due to the medical condition having become critical and because the patient has no health insurance to cover the cost of that expensive treatment; a cost that will be passed on to consumers as higher insurance premiums to address hospitals increasing the expense of their services to make up for the losses incurred treating the uninsured.

Unless the GOP ‘plan’ is to have hospitals and their emergency rooms refuse to treat those uninsured and relegate those uninsured to die in the streets.

That was the situation before Obamacare, and somehow it was cheaper.

BANG ON.