Pre exsiting illness and health Insurance - PeachParts Mercedes-Benz Forum

davidmash · #1 01-18-2011, 08:31 PM

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According to a new analysis by the Department of Health and Human Services, 50 to 129 million (19 to 50 percent of) non-elderly Americans have some type of pre-existing health condition. Up to one in five non-elderly Americans with a pre-existing condition – 25 million individuals – is uninsured. Under the Affordable Care Act, starting in 2014, these Americans cannot be denied coverage, be charged significantly higher premiums, be subjected to an extended waiting period, or have their benefits curtailed by insurance companies.

elchivito · #2 01-18-2011, 11:53 PM

Republicans want to make sure these folks NEVER get insurance, or at the very least are forced to pay thru the nose for it. Their concern for the welfare of millions of Americans is beyond comprehension. I have asthma. It isn't disabling, I have never been hospitalized for it, it's under control. Never the less, if I were seeking private insurance under the old rules, it would be considered a pre-existing illness and I'd get royally stiffed for it.
Republican health care plan: If you have insurance, expect to pay for it, and don't expect it to cover you when you become seriously ill. If you don't have insurance, please die promptly, and save us all some money.

t walgamuth · #3 01-19-2011, 06:36 AM

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Originally Posted by elchivito

Republicans want to make sure these folks NEVER get insurance, or at the very least are forced to pay thru the nose for it. Their concern for the welfare of millions of Americans is beyond comprehension. I have asthma. It isn't disabling, I have never been hospitalized for it, it's under control. Never the less, if I were seeking private insurance under the old rules, it would be considered a pre-existing illness and I'd get royally stiffed for it.
Republican health care plan: If you have insurance, expect to pay for it, and don't expect it to cover you when you become seriously ill. If you don't have insurance, please die promptly, and save us all some money.

exactly!

Kuan · #4 01-19-2011, 06:54 AM

I like it. Most of us will eventually develop a pre-existing condition at some time in our lives. The part that really angers me is that the insurance companies will deny coverage to kids.

Heartless. "It's only business" is a poor excuse and a copout.

POS · #5 01-19-2011, 07:42 AM

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Originally Posted by elchivito

Republicans want to make sure these folks NEVER get insurance, or at the very least are forced to pay thru the nose for it. Their concern for the welfare of millions of Americans is beyond comprehension.

Damn, evil Republicans. Always out to rape and pillage. Thank God there are Democrats around who can love and care for you.

SwampYankee · #6 01-19-2011, 08:32 AM

Now if only they could require a one price fits all automobile insurance.

I don't believe insurance companies should be able to deny coverage but I don't have an issue with higher risks paying a higher premium. Maybe there could be limits on how much more they should pay to keep it to a reasonable level, though. Otherwise it just results in higher premiums for those of us that are otherwise (relatively) healthy to subsidize those who are not. And yes, I do realize that at some point it may be me. We are already paying more for my son with Ds, who has comparatively few health issues even when compared to my typical kids, but falls into a higher risk pool and I'm fine with that. Why should it be anyone else's responsibility to pick up mine?

t walgamuth · #7 01-19-2011, 09:10 AM

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Originally Posted by POS

Damn, evil Republicans. Always out to rape and pillage. Thank God there are Democrats around who can love and care for you.

There are probably some R's who don't wish for that.

Matt L · #8 01-19-2011, 09:18 AM

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Originally Posted by SwampYankee

Now if only they could require a one price fits all automobile insurance.

I don't believe insurance companies should be able to deny coverage but I don't have an issue with higher risks paying a higher premium. Maybe there could be limits on how much more they should pay to keep it to a reasonable level, though. Otherwise it just results in higher premiums for those of us that are otherwise (relatively) healthy to subsidize those who are not. And yes, I do realize that at some point it may be me. We are already paying more for my son with Ds, who has comparatively few health issues even when compared to my typical kids, but falls into a higher risk pool and I'm fine with that. Why should it be anyone else's responsibility to pick up mine?

You seem to be suggesting that we get rid of insurance. The only point is to spread the risk.

Kuan · #9 01-19-2011, 09:21 AM

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Originally Posted by SwampYankee

Why should it be anyone else's responsibility to pick up mine?

Because there are other ways to measure responsibility other than money. Just because a kid is not typical doesn't mean the kid doesn't have feelings. I feel everyone should be given the opportunity to live up to their potential.

I work with a 3rd grade DS kid. He is the most honest, non-violent, amiable, transparent, easy going kid in the whole class.

SwampYankee · #10 01-19-2011, 10:52 AM

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Originally Posted by Matt L

You seem to be suggesting that we get rid of insurance. The only point is to spread the risk.

No, not at all. The more they can spread the risk, the better.

cscmc1 · #11 01-19-2011, 11:07 AM

Should smokers, alcoholics, or grossly obese (due to poor eating habits) pay the same? Just fodder for discussion...

SwampYankee · #12 01-19-2011, 11:09 AM

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Originally Posted by Kuan

Because there are other ways to measure responsibility other than money. Just because a kid is not typical doesn't mean the kid doesn't have feelings. I feel everyone should be given the opportunity to live up to their potential.

I work with a 3rd grade DS kid. He is the most honest, non-violent, amiable, transparent, easy going kid in the whole class.

Don't get me wrong, Kuan. I don't think any differently when it comes to my son. I'm only speaking to the risk pool and how it effects insurance costs. I don't think my son thinks any less of himself because his insurance costs more. Kids with Ds typically have more health issues, many of which require surgeries or out-patient procedures, so he's probably going to incur more health-related expenses as he gets older. "Probably" being the operative word.

Should I pay more for my son, who is more likely to need a procedure, so someone with a typical kid (or my other three "typical" kids) can pay less? Or should everyone pay an inflated price to cover the additional risk?

SwampYankee · #13 01-19-2011, 11:13 AM

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Originally Posted by cscmc1

Should smokers, alcoholics, or grossly obese (due to poor eating habits) pay the same? Just fodder for discussion...

I don't think they should pay the same, they should pay more since they're going to cost more in the long run.

cscmc1 · #14 01-19-2011, 11:13 AM

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Originally Posted by SwampYankee

Should I pay more for my son, who is more likely to need a procedure, so someone with a typical kid can pay less? Or should everyone pay an inflated price to cover the additional risk?

That's where it gets tricky, eh? Those who willingly engage in high-risk activities ought to pay more, IMHO. Those who inherit health issues that may cost more... well, that's another argument altogether.

Chas H · #15 01-19-2011, 11:14 AM

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Originally Posted by cscmc1

Should smokers, alcoholics, or grossly obese (due to poor eating habits) pay the same? Just fodder for discussion...

How about injuries from military service? I believe a former member of the forum was denied coverage because of medical conditions that were the consequence of his military service.
If we start making exceptions and special cases for the results of life styles, we will never get past that debate and universal health care will never happen.