View Poll Results: Do you agree with the component of HCR that disallows rescission.

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    13 76.47%
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    4 23.53%
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Thread: Question regarding HCR that is now in place?

  1. #21
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    Re: Question regarding HCR that is now in place?

    Quote Originally Posted by lizzie View Post
    I'm not sure about the constitutionality question.

    As for canceling insurance policies, I would think it likely that it's related to one of several factors. Fraudulent information on application, meeting cap limits, or other reasons that are justifiably legal. Otherwise, I would think that insurance companies would be getting sued frequently with the plaintiffs winning the lawsuits. It would depend on what the contract stated, and doesn't necessarily imply that the insurer is unjustly dropping their clients.

    As to the "billions" of dollars being made by insurers, the health insurance has a relatively low profit margin compared to many other industries, so I'm not sure that it really has anything to do with some sort of accusation that they are unfairly profiting.
    You are woefully mistaken and operating on a false premise regarding the health insurance industry.

    So far 6/1 does not want rescission overturned and once again legal.

  2. #22
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    Re: Question regarding HCR that is now in place?


    With a government run Single Payer system you eliminate the Stock Holders, Million$+ CEO, Hundreds of VP's, cutdown on paperwork, more of the cost of insurence will go to those who are actually providing health Care while bringing down costs to the consumer. That's what realy matters isn't it???

    Quote Originally Posted by ARealConservative View Post
    I stated exactly what the critical component was in sentence one: price shopping. Without it no significant downward pressure exists on prices.

    I was so much older then, I'm younger than that now. Bob Dylan

  3. #23
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    Re: Question regarding HCR that is now in place?

    Quote Originally Posted by jpevans View Post

    With a government run Single Payer system you eliminate the Stock Holders, Million$+ CEO, Hundreds of VP's, cutdown on paperwork, more of the cost of insurence will go to those who are actually providing health Care while bringing down costs to the consumer. That's what realy matters isn't it???
    Is that why Medicaid/Medicare are so darned efficent, free of fraud and are such low cost (per patient) systems? Look up the cost, per person, for these gov't systems and compare them to say BC/BS. Hmm...
    “The reasonable man adapts himself to the world: the unreasonable one persists to adapt the world to himself.
    Therefore all progress depends on the unreasonable man.” ― George Bernard Shaw, Man and Superman

  4. #24
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    Re: Question regarding HCR that is now in place?

    Quote Originally Posted by ttwtt78640 View Post
    .

    Consider the pre-existing condition ban, it sounds SO unfair too, but is it really? If I can buy medical insurance AFTER I discover an expensive to treat condition, or AFTER I feel sickly, then why EVER buy it before then? Why not cancel it immediately after care has been rendered and paid for? The same goes for "rescission"; if I say that I am healthy, or don't NOW smoke, then I get a MUCH better rate, so I likely will say so, hoping it to be true, or that it won't be challenged later. But who knows; I could have early to mid stage cancer yet may have not noticed any symptoms yet? Why don't I just wait until I am sick, or start feeling a bit off? Well, there is a compromise here, to be sure; one can postpone getting insurance until THEY "feel a bit sick" but have yet to seek treatment for that ailment (thus no proof of the "lie" is on file).
    I don't need to point out to you that this is why the individual mandate is in there. As another poster put it, getting more people into the pool.

  5. #25
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    Re: Question regarding HCR that is now in place?

    Quote Originally Posted by Dion View Post
    I have read the original HCR and followed and work in the Healthcare Industrial Complex as a compassionate Provider.

    Question ... One part of the new HCR that is now in place is that the private payers (in one of the most lucrtive industries in the country) can no longer cancel your health insurance once you get sick. Yes people ... for years you could faithfully pay your premium and then be cancelled when the bad news hits.

    It was a common business practice known as rescission and one that Obama was adamant about to be included in HCR.

    In the new HCR under this administration health plans cannot cancel you when you get sick unless you committed fraud when you applied for coverage.

    Should this be overturned and is it unconstitutional to require a company to continue your coverage if you become ill. Another thought .... those companies that make billions ...if they cancle each woman that contracts breast cancer or each man that has a blocked artery when the next fiscal cycle rolls around they can make Billions.

    What do you think ...?

    The reason we all have health "INSURANCE" is to have peace of mind in the event we get hit with a major health situation we will have the coverage to get good care. What is the point if they are going to just drop you when you do eventually get sick...they just want you to pay them and they never have to pay a bill for you ?.

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    Re: Question regarding HCR that is now in place?

    Quote Originally Posted by ttwtt78640 View Post
    Is that why Medicaid/Medicare are so darned efficent, free of fraud and are such low cost (per patient) systems? Look up the cost, per person, for these gov't systems and compare them to say BC/BS. Hmm...
    Since your making the claim...why dont you look it up and post it for us

  7. #27
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    Re: Question regarding HCR that is now in place?

    Quote Originally Posted by Dion View Post
    You are woefully mistaken and operating on a false premise regarding the health insurance industry.

    So far 6/1 does not want rescission overturned and once again legal.
    Woefully mistaken, how?
    "God is the name by which I designate all things which cross my path violently and recklessly, all things which alter my plans and intentions, and change the course of my life, for better or for worse."
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  8. #28
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    Re: Question regarding HCR that is now in place?

    Quote Originally Posted by lizzie View Post
    Woefully mistaken, how?
    It posts record profits and is one of the more profiteering industries. Before HCR doctors were pain to deny claims and would get bonuses to do so. They used rescission to drop a client who worked paid their premium and then if struck by illness they cancel the policy.

  9. #29
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    Re: Question regarding HCR that is now in place?

    Quote Originally Posted by Dion View Post
    It posts record profits and is one of the more profiteering industries. Before HCR doctors were pain to deny claims and would get bonuses to do so. They used rescission to drop a client who worked paid their premium and then if struck by illness they cancel the policy.
    Record profits due to the size of the industry. Not record profits relative to other industries. The profit margin of health insurance companies averages 3-4%, which is significantly lower than other industries.

    If insurance companies are illegally dropping clients, why are we not seeing malpractice lawyers rush to defend those who are dropped without legal justification?
    "God is the name by which I designate all things which cross my path violently and recklessly, all things which alter my plans and intentions, and change the course of my life, for better or for worse."
    -C G Jung

  10. #30
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    Re: Question regarding HCR that is now in place?

    Quote Originally Posted by Dion View Post
    Before HCR doctors were pain to deny claims and would get bonuses to do so. They used rescission to drop a client who worked paid their premium and then if struck by illness they cancel the policy.
    Quote Originally Posted by lizzie View Post
    If insurance companies are illegally dropping clients, why are we not seeing malpractice lawyers rush to defend those who are dropped without legal justification?
    Exactly. Why do we need PPACA in order for our courts to adjudicate on simple breaches of contract? We don't. It's just a matter of enforcing contract law.

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