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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 rivrrat View Post
    We already do.. it's called Medicaid and Medicare.
    Exactly. And it is creating demand that is limiting access as it is.
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    Re: Health insurers offer to stop charging sick people more

    Quote Originally Posted by rivrrat View Post
    We already do.. it's called Medicaid and Medicare.
    I'm talking in the private market.

    "Well Mr. Smith, you are in excellent health for your age. You are 37, but have the physical fitness of a 21 year old. I'll make sure to forward this information to the health insurance company so that you can pay more in premium to cover for Ms. Johnson, who has high blood pressure and a baby in the NICU because she smoked crack while she was pregnant."
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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.
    I might have missed it in the article... but I didn't see where the companies agreed to insure people who are currently uninsurable. Only that they'd not charge exorbitant rates for those they do agree to insure.

  4. #24
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    Re: Health insurers offer to stop charging sick people more

    Quote Originally Posted by rivrrat View Post
    And anyone can have their "health" without health insurance. Having insurance isn't necessary for survival.
    If you have a serious illness and aren't independently wealthy, then insurance is absolutely necessary for survival.

    Quote Originally Posted by rivrrat
    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?
    No. Not unless your insurance company decided that you were somehow at fault.

    Quote Originally Posted by rivrrat
    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?
    Probably, because you chose to park it somewhere that it got stolen and damaged. But regardless, auto insurance isn't a necessity (and certainly not comprehensive insurance). If your auto insurance is being unfair to you, switch to a different policy. I don't see any need for the government to keep auto insurance companies on a short leash...the same cannot be said of medical insurance companies.

    Quote Originally Posted by rivrrat
    Since neither A nor B apply, how about C) I paid monthly payments until I paid it off. Just like everything else.
    Well good for you. You were young enough and healthy enough to continue working doing whatever it is you do. That does not apply to everyone.

    Your medical bills were relatively inexpensive and/or your salary was relatively high to allow you to pay monthly payments until you paid it off. That does not apply to everyone.
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    Re: Health insurers offer to stop charging sick people more

    Quote Originally Posted by Harry Guerrilla View Post
    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.
    This is true, and I have absolutely no problem at all with insurance companies discriminating on the basis of smoking habits, eating habits, alcohol habits, illegal drug habits, exercise habits, etc. If they want to charge a smoker more than a non-smoker, fine.

    But preexisting conditions are a different matter, as no one chooses to have them. While I'm fine with charging a smoker or ex-smoker more, I have a big problem with charging a lung cancer patient more. While I'm fine with charging an alcoholic more, I have a big problem with charging cirrhosis patients more. While I'm fine with charging McDonald's enthusiasts more, I have a big problem with charging heart disease patients more.

    Quote Originally Posted by Harry Guerrilla
    It makes less sense to create an undercover subsidy that makes one person pay more for another.
    Why?

    Quote Originally Posted by Harry Guerrilla
    Then we should get away from insurance hiding people from the price structure, so that prices can be driven down.
    How do you propose we do that? Make health insurance illegal?
    Last edited by Kandahar; 03-24-09 at 07:40 PM.
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    Re: Health insurers offer to stop charging sick people more

    Quote Originally Posted by Kandahar View Post
    This is true, and I have absolutely no problem at all with insurance companies discriminating on the basis of smoking habits, eating habits, alcohol habits, drug habits, etc. If they want to charge a smoker more than a non-smoker, fine.

    But preexisting conditions are a different matter, as no one chooses to have them. While I'm fine with charging a smoker or ex-smoker more, I have a big problem with charging a lung cancer patient more. While I'm fine with charging an alcoholic more, I have a big problem with charging cirrhosis patients more. While I'm fine with charging McDonald's enthusiasts more, I have a big problem with charging heart disease patients more.
    What if all those diseases were caused by unhealthy lifestyle choices?
    They should pay more certainly.

    Quote Originally Posted by Kandahar View Post
    Why?
    Because they don't have any problems.

    Quote Originally Posted by Kandahar View Post
    How do you propose we do that? Make health insurance illegal?
    Make insurance actual insurance instead of a prepayment plan that it is now.
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  7. #27
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    Re: Health insurers offer to stop charging sick people more

    Quote Originally Posted by Kandahar View Post
    If you have a serious illness and aren't independently wealthy, then insurance is absolutely necessary for survival.
    Incorrect. One can make payments on medical bills just like any other bill.

    No. Not unless your insurance company decided that you were somehow at fault.
    You would be wrong. If they have to pay, they consider it a black mark on YOU.

    Probably, because you chose to park it somewhere that it got stolen and damaged.
    LOL In front of my home?

    But regardless, auto insurance isn't a necessity (and certainly not comprehensive insurance). If your auto insurance is being unfair to you, switch to a different policy. I don't see any need for the government to keep auto insurance companies on a short leash...the same cannot be said of medical insurance companies.
    Health insurance isn't a necessity either.

    Well good for you. You were young enough and healthy enough to continue working doing whatever it is you do. That does not apply to everyone.

    Your medical bills were relatively inexpensive and/or your salary was relatively high to allow you to pay monthly payments until you paid it off. That does not apply to everyone.
    ROFL My "salary" was approx 12k during that time. I told the hospital how much I could afford to pay them per month, and that's what I paid them. Simple as. They had someone call to work out payment arrangements, so we worked them out. I paid on it for several years.

    When my grandfather had a quadruple bypass, my grandparents did the same thing.

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    Re: Health insurers offer to stop charging sick people more

    Quote Originally Posted by WI Crippler View Post
    I'm talking in the private market.

    "Well Mr. Smith, you are in excellent health for your age. You are 37, but have the physical fitness of a 21 year old. I'll make sure to forward this information to the health insurance company so that you can pay more in premium to cover for Ms. Johnson, who has high blood pressure and a baby in the NICU because she smoked crack while she was pregnant."
    Indeed. That would be much like our progressive tax system, for sure. I agree... I think we should punish health success as much as we punish financial success. It will make everyone strive to be healthy!!

    Oh wait...

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    Re: Health insurers offer to stop charging sick people more

    Quote Originally Posted by rivrrat View Post
    Incorrect. One can make payments on medical bills just like any other bill.
    Ya if you get hit by a truck, they'll pay for your ER care. But no hospital is going to give someone a $500K bone marrow transplant in the hopes that they'll make monthly payments and eventually pay it off.

    Quote Originally Posted by rivrrat
    You would be wrong. If they have to pay, they consider it a black mark on YOU.
    Either you have an unfair insurance company, or they found you at least partially at fault for the accident.

    Quote Originally Posted by rivrrat
    LOL In front of my home?
    If that is a place where it's likely to be stolen or damaged, then yes.

    Quote Originally Posted by rivrrat
    ROFL My "salary" was approx 12k during that time. I told the hospital how much I could afford to pay them per month, and that's what I paid them. Simple as. They had someone call to work out payment arrangements, so we worked them out. I paid on it for several years.
    Sorry, I don't believe you. The math does not add up. Even if you somehow managed to live on $6K per year and spent the other half of your salary paying off your medical bills for ten years, that's only $60K. That's chump change compared to what a lot of medical procedures cost. And you were fortunate that you were able to continue working at all; many sick people are not.
    Last edited by Kandahar; 03-24-09 at 08:04 PM.
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    Re: Health insurers offer to stop charging sick people more

    Quote Originally Posted by rivrrat View Post
    Indeed. That would be much like our progressive tax system, for sure. I agree... I think we should punish health success as much as we punish financial success. It will make everyone strive to be healthy!!

    Oh wait...
    Because there are hordes of people who would be thrilled at the prospect of getting a terminal illness, if only the government would pay for it. Anyone can see that our health care system is doing an excellent job incentivizing a healthy lifestyle, compared to other developed countries who are too stupid to follow our brilliant health care model. That explains why the United States is by far the healthiest country in the world.
    Last edited by Kandahar; 03-24-09 at 08:02 PM.
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