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Thread: Health insurers offer to stop charging sick people more

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    Re: Health insurers offer to stop charging sick people more

    Quote Originally Posted by Kandahar View Post
    Exactly. Which is why I'm glad that these health insurance companies have now agreed to compromise on their price discrimination policies, in exchange for the government mandating that people buy health insurance.

    As I see it, this will bring new customers to the insurers, while making health insurance more affordable for the people who need it most.
    How is that type of discrimination bad when these people cost everyone else more?

    A lot of the preexisting conditions are only for 1 year. If you have treatable diabetes you can afford that for 1 year.
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    Re: Health insurers offer to stop charging sick people more

    Quote Originally Posted by Harry Guerrilla View Post
    How is that type of discrimination bad when these people cost everyone else more?
    Because the people didn't choose to get sick. And because the people who need health care the most are often unable to get it without paying unaffordable premiums...if they can get it at ANY price.

    Quote Originally Posted by Harry Guerrilla
    A lot of the preexisting conditions are only for 1 year. If you have treatable diabetes you can afford that for 1 year.
    A lot of them aren't only for one year. And a lot of them are not affordable even for one year.
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    Re: Health insurers offer to stop charging sick people more

    Quote Originally Posted by Kandahar View Post
    Because the people didn't choose to get sick. And because the people who need health care the most are often unable to get it without paying unaffordable premiums...if they can get it at ANY price.
    And all those people who didn't choose to get others sick, why do they get no say?

    Quote Originally Posted by Kandahar View Post
    A lot of them aren't only for one year. And a lot of them are not affordable even for one year.
    Every contract I have seen has the provision for preexisting conditions set for 1 year.
    I was discovering that life just simply isn't fair and bask in the unsung glory of knowing that each obstacle overcome along the way only adds to the satisfaction in the end. Nothing great, after all, was ever accomplished by anyone sulking in his or her misery.
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    Re: Health insurers offer to stop charging sick people more

    Wow... auto insurance companies going to do the same things? Ignore the "red flag" factors and charge everyone the same? That would AWESOME. You know, especially since anyone who owns a car is required by law to have insurance. It's only fair, right? People who have good driving records shouldn't be rewarded while irresponsible, non-driving fools are punished. It's just not fair, I tells ya!

    Oh, and as for not having insurance.... no, sorry. My hospital stays have never been on anyone's dime but my own.

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    Re: Health insurers offer to stop charging sick people more

    Quote Originally Posted by rivrrat View Post
    Wow... auto insurance companies going to do the same things? Ignore the "red flag" factors and charge everyone the same? That would AWESOME. You know, especially since anyone who owns a car is required by law to have insurance.
    Having a car is not necessary to survival. Having your health is.

    Quote Originally Posted by rivrrat
    It's only fair, right? People who have good driving records shouldn't be rewarded while irresponsible, non-driving fools are punished. It's just not fair, I tells ya!
    Are you comparing terminally ill patients to irresponsible drivers? The key difference here is that being an irresponsible driver is a CHOICE that one can AVOID if one doesn't want to pay the higher premiums.

    Quote Originally Posted by rivrrat
    Oh, and as for not having insurance.... no, sorry. My hospital stays have never been on anyone's dime but my own.
    Then either A) you haven't had any expensive health problems, or B) you're incredibly wealthy. And since neither case applies to non-wealthy people suffering from expensive-to-treat diseases, your personal anecdote doesn't carry much weight with me. Sorry.
    Last edited by Kandahar; 03-24-09 at 06:37 PM.
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    Re: Health insurers offer to stop charging sick people more

    Quote Originally Posted by Harry Guerrilla View Post
    And all those people who didn't choose to get others sick, why do they get no say?
    They'll have just as much say in terms of what health insurance policy they buy as anyone else does. Since no one chooses to be sick or healthy, it makes no sense for some people to have to pay more than others when they have no control over it.

    Quote Originally Posted by Harry Guerrilla
    Every contract I have seen has the provision for preexisting conditions set for 1 year.
    Many serious conditions are NEVER covered, regardless of the length of the policy. And this ignores the fact that some conditions are unaffordable for even a single year, and/or that the patient will be dead after a single year without treatment.
    Last edited by Kandahar; 03-24-09 at 06:39 PM.
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    Re: Health insurers offer to stop charging sick people more

    Quote Originally Posted by Kandahar View Post
    Having a car is not necessary to survival. Having your health is.
    And anyone can have their "health" without health insurance. Having insurance isn't necessary for survival.


    Are you comparing terminally ill patients to irresponsible drivers? The key difference here is that being an irresponsible driver is a CHOICE that one can AVOID if one doesn't want to pay the higher premiums.
    Really now? So when that car hit ME and my insurance had to pay since the other driver was uninsured you don't think that counted as a red mark against ME? I beg to differ. And when my truck was stolen and damaged and my insurance had to pay to fix it, you don't think that counted against me? I ASSURE you that it most certainly did. Neither things were in my control. I had no choice whatsoever.


    Then either A) you haven't had any expensive health problems, or B) you're incredibly wealthy. And since neither case applies to non-wealthy people suffering from expensive-to-treat diseases, your personal anecdote doesn't carry much weight with me. Sorry.
    Since neither A nor B apply, how about C) I paid monthly payments until I paid it off. Just like everything else.

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    Re: Health insurers offer to stop charging sick people more

    I'm interested in where they are going to go, for the money they are going to lose. Health insurance companies cannot afford to be alturistic. Maybe these sick people won't have to pay as much, but its going to have to come out of somebody's pocket.

    Prehaps we will have a "progressive" healthcare system, where the healthy pay for the sick.
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    Re: Health insurers offer to stop charging sick people more

    Quote Originally Posted by WI Crippler View Post
    I'm interested in where they are going to go, for the money they are going to lose. Health insurance companies cannot afford to be alturistic. Maybe these sick people won't have to pay as much, but its going to have to come out of somebody's pocket.

    Prehaps we will have a "progressive" healthcare system, where the healthy pay for the sick.
    We already do.. it's called Medicaid and Medicare.

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    Re: Health insurers offer to stop charging sick people more

    Quote Originally Posted by Kandahar View Post
    They'll have just as much say in terms of what health insurance policy they buy as anyone else does. Since no one chooses to be sick or healthy, it makes no sense for some people to have to pay more than others when they have no control over it.
    Some peoples lifestyles are the choices they have made in being sick or not.

    I don't like subsidizing others poor choices, it is not my job and it is not their right to have my money.

    It makes less sense to create an undercover subsidy that makes one person pay more for another.

    Quote Originally Posted by Kandahar View Post
    Many serious conditions are NEVER covered, regardless of the length of the policy. And this ignores the fact that some conditions are unaffordable for even a single year, and/or that the patient will be dead after a single year without treatment.
    Then we should get away from insurance hiding people from the price structure, so that prices can be driven down.
    I was discovering that life just simply isn't fair and bask in the unsung glory of knowing that each obstacle overcome along the way only adds to the satisfaction in the end. Nothing great, after all, was ever accomplished by anyone sulking in his or her misery.
    —Adam Shepard

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