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Thread: Supreme Court health care arguments under way

  1. #811
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    Re: Supreme Court health care arguments under way

    Quote Originally Posted by AdamT View Post
    No, I wouldn't say NYC is rural. So what is/are the government-owned hospitals in NYC?
    I don't know all the names. Grew up in South Brooklyn and I know that Coney Island hospital was just such a hospital.

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    Re: Supreme Court health care arguments under way

    Quote Originally Posted by xpiher View Post
    I.was never against it. However, iirc, those policies arent offered in every state for various reason.
    Actually, every state offers policies like that. It's the only way it is done. The way pre-ex works, is that any condition that predates the issuance of the contract by 6 months (typically) will not be reimbursed for the first 2 years (typically) of the contract. After that 2 year exclusionary period, all treatments (including those that are defined as pre-ex) will be covered for reimbursement.

    It also doesn't prevent contact termination,
    I assume you mean recission. Yes, an insurance company can rescind a policy if the insured lied on the application and that lie was material to the issuance of the contract. Basically, don't lie when you make a contract with another individual or company.

    refusal to renew,
    Almost every policy sold is renewable. In fact, IIRC there was a law in 1997, that required that all policies sold would have to be guaranteed renewable. However, if the client has an older "term" health policy, the insurance company can choose to non-renew it in only a few states. Many states do not allow them to non-renew and some states require the insurance company to continue to pay for the ongoing treatment of a condition after the company chooses to non-renew. There is a reason that an insured might want a term health policy, such as a lower cost.

    I was able to find the law about guaranteed renewable. I didn't realize it was part of HIPAA.

    http://www.ehow.com/facts_6756342_de...renewable.html

    Other than the privacy portions of HIPAA (which are a big headache but probably necessary) I really do like HIPAA. They did some good with that law. I don't say that too often about things that come out of government.

    Government Regulation
    The Health Insurance Portability and Accountability Act (HIPAA) mandates that individual health insurance plans be made guaranteed renewable and claimants cannot be dropped from coverage based on pre-existing conditions.
    Last edited by buck; 03-31-12 at 02:11 PM.

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    Re: Supreme Court health care arguments under way

    Quote Originally Posted by AdamT View Post
    No, I wouldn't say NYC is rural. So what is/are the government-owned hospitals in NYC?
    You didn't ask me, but I can tell you cook county hospital. BTW, because they see so many of them, they are oe of the best hospitals in the nation for gun shot wounds.

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    Re: Supreme Court health care arguments under way

    Quote Originally Posted by AdamT View Post
    It was seriously suggested that there are hospitals supposedly operated by state or federal government. As far as city or county-owned hospitals go, I've lived in five major metropolitan areas in my life and I've never heard of one. Maybe it's a rural thing?
    Not operated, but owned (ie they own the brick and mortar but lease/contract with a company to operate it). This is very common in rural settings. There is a designation called "Critical Access Hospital" set up in the 90s by President Clinton for rural hospitals with 25 beds or less. They have to fall within very specific definitions the most important of which is there not being another hospital within 35 miles (25 miles in mountainous settings). CAHs are Medicare cost based reimbursed which means they receive Medicare reimbursements based on their operating costs plus an additional 1%. This basically enables these rural hospitals to stay in business since normal Medicare reimburses at a much lower rate. I am the senior financial analyst for a management company that owns and operates CAHs in five states. So, this is right up my alley.

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    Re: Supreme Court health care arguments under way

    Quote Originally Posted by Arbo View Post
    I would not have guessed otherwise.
    You do realize there was more to respond to?

    AUSTAN GOOLSBEE: I think the world vests too much power, certainly in the president, probably in Washington in general for its influence on the economy, because most all of the economy has nothing to do with the government.

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    Re: Supreme Court health care arguments under way

    Quote Originally Posted by Boo Radley View Post
    You do realize there was more to respond to?
    You typed more than that, I agree. That it was worthy of a response is where we disagree.
    "nah i think the way cons want to turn this into a political issue is funny though" - Philly Boss

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    Re: Supreme Court health care arguments under way

    Quote Originally Posted by Arbo View Post
    As others have pointed out to you, no, it is not a 'rural' thing. That being said, you do realize that most of this country is not 'big city' right?

    I know some people think big cities are the only important things/places on earth, but those big cities are the minority of the earth.
    Maybe "on Earth" they are but in this country the "big city" (> 50,000) is 486 communities comprising ~70% of the population:
    2010 Urban and Rural Classification Main Page

    I don't think the census bureau breaks it down any farther, though one might be able to find other sites that have totaled what could be called major metropolitan areas. Those might come in under 50%.
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    Re: Supreme Court health care arguments under way

    Quote Originally Posted by Kal'Stang View Post
    The free market cannot work with the way we have everything set up in the healthcare department.
    Really Sherlock?

    I am impressed that you recognize that. So let's get the government completely out of health care. Completely. While we are at it let's get the governm,ent completely out of education as well.

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    Re: Supreme Court health care arguments under way

    Quote Originally Posted by jet57 View Post

    Personally . . . I think that health insurance should be as easily affordable as car or home insurance: life insurance, in fact all insurance companies are taking our money on a bet that nothing's going to happen: think about that. I also don't think that employers should be required to furnish health insurance; and this from a retired Teamster nontheless!! I think that all these mandates and rules have just made the entire thing too expensive.
    For it to be affordable it would have to revert to being insurance rather than prepaid health care.

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    Re: Supreme Court health care arguments under way

    Quote Originally Posted by MoSurveyor View Post
    Maybe "on Earth" they are but in this country the "big city" (> 50,000) is 486 communities comprising ~70% of the population:
    2010 Urban and Rural Classification Main Page

    I don't think the census bureau breaks it down any farther, though one might be able to find other sites that have totaled what could be called major metropolitan areas. Those might come in under 50%.
    Perhaps you should look up land use as such. You will clearly find that even most of the USA is 'empty' land.
    "nah i think the way cons want to turn this into a political issue is funny though" - Philly Boss

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