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

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  • Yes.

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

  1. #41
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    Re: Question regarding HCR that is now in place?

    Quote Originally Posted by lpast View Post
    I believe you are wrong about that.

    Losing Coverage When You Need It Most
    Thousands of Americans also lose health insurance each year through a practice called rescission.

    When a person is diagnosed with an expensive condition such as cancer, some insurance companies review his/her initial health status questionnaire. In most states’ individual insurance market, insurance companies can retroactively cancel the entire policy if any condition was missed – even if the medical condition is unrelated, and even if the person was not aware of the condition at the time. Coverage can also be revoked for all members of a family, even if only one family member failed to disclose a medical condition.10


    Coverage Denied: How the Current Health Insurance System Leaves Millions Behind
    People lie all of the time, just to try to get out of minor traffic tickets, why would they NOT lie to save thousands in insurance premium costs? Rescisson was not nearly as common as it was said to be and 90% of medical insurance policies (bought via the employer) are not even subject to rescission at all.
    “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

  2. #42
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    Re: Question regarding HCR that is now in place?

    Quote Originally Posted by lpast View Post
    Thats why the mandate was put in obamacare...and remember something you never know when you will become ill or have a major accident...and read my post above
    Remember the MANDATE is to buy insurance OR pay a fine, one can do EITHER under ObamaCare. Quite true that you never know BEFORE the medical condidtion, but that is EXACTLY what a pre-existing condition exclusion is for. You can, under ObamaCare, buy insurance ANYTIME, even AFTER the onset of the injury/illness. If you break your leg, have a heart attack or discover cancer on 6/11 you can buy medical insurance on 6/12. Still waiting for your response to post #35. ;-)
    Last edited by ttwtt78640; 06-24-12 at 02:34 AM.
    “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

  3. #43
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    Re: Question regarding HCR that is now in place?

    Quote Originally Posted by ttwtt78640 View Post
    People lie all of the time, just to try to get out of minor traffic tickets, why would they NOT lie to save thousands in insurance premium costs? Rescisson was not nearly as common as it was said to be and 90% of medical insurance policies (bought via the employer) are not even subject to rescission at all.
    It happened alot...cancer patients...one company was dropping breast cancer patients...if it was happening as little as you claim there would be no need for the law excluding it...Aside from that the Insurers have already stopped the practice before it was even mandatory in obamacare...

  4. #44
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    Re: Question regarding HCR that is now in place?

    Quote Originally Posted by lpast View Post
    It happened alot...cancer patients...one company was dropping breast cancer patients...if it was happening as little as you claim there would be no need for the law excluding it...Aside from that the Insurers have already stopped the practice before it was even mandatory in obamacare...
    Again, that is one TINY part of ObamaCare, the BIG ones are the MANDATE/FINE and the PRE-EXISTING CONDITION exclusion ban. They are clearly designed to bankrupt the private medical insurance industry. If one may wait until they NEED medical insurance, buy it, use it and then cancel at the end of that year, then insurance premiums must become VERY expensive to stay in business.
    “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

  5. #45
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    Re: Question regarding HCR that is now in place?

    Quote Originally Posted by ttwtt78640 View Post
    Again, that is one TINY part of ObamaCare, the BIG ones are the MANDATE/FINE and the PRE-EXISTING CONDITION exclusion ban. They are clearly designed to bankrupt the private medical insurance industry. If one may wait until they NEED medical insurance, buy it, use it and then cancel at the end of that year, then insurance premiums must become VERY expensive to stay in business.
    Im not for the mandate and never was...and I think it will be struck down next week...but thats not what we were talking about.
    Just remember something...if an insurer turns down someone with a preexisting condition and they cant get insurance...the taxpayers pay for it in the end

  6. #46
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    Re: Question regarding HCR that is now in place?

    Quote Originally Posted by lpast View Post
    Im not for the mandate and never was...and I think it will be struck down next week...but thats not what we were talking about.
    Just remember something...if an insurer turns down someone with a preexisting condition and they cant get insurance...the taxpayers pay for it in the end
    I agree, but why make it all so sneaky and complicated. Either be straight up and say everyone will get free stuff if thay can't afford it and everone else will pay 2x as much for it to cover the poor? Trying to sell ObamaCare as SAVING money is a joke. What ObamaCare offers is FREE stuff for some, paid for by others, income redistribution in its purest form, simply disguised as some new and wonderful thing.
    “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

  7. #47
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    Re: Question regarding HCR that is now in place?

    Quote Originally Posted by ttwtt78640 View Post
    I agree, but why make it all so sneaky and complicated. Either be straight up and say everyone will get free stuff if thay can't afford it and everone else will pay 2x as much for it to cover the poor? Trying to sell ObamaCare as SAVING money is a joke. What ObamaCare offers is FREE stuff for some, paid for by others, income redistribution in its purest form, simply disguised as some new and wonderful thing.
    Heres the way it works right now, you get denied insurance because of a pre existing condition and you cant get it elsewhere...the person has cancer. They go through the govt and if they can prove indigence they get medicaid, we pay for that. If they cant qualify for medicaid but they cant afford cancer treatment, they go to free clinics and the emergency room and we pay for that too...so in the end were paying for it all. A person with cancer will get treatment with or without insurance...of course without it wont be as good treatment...I dont know about you but I sure wouldnt want that to happen to anyone in my family or anyone I know.

  8. #48
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    Re: Question regarding HCR that is now in place?

    Quote Originally Posted by lpast View Post
    Heres the way it works right now, you get denied insurance because of a pre existing condition and you cant get it elsewhere...the person has cancer. They go through the govt and if they can prove indigence they get medicaid, we pay for that. If they cant qualify for medicaid but they cant afford cancer treatment, they go to free clinics and the emergency room and we pay for that too...so in the end were paying for it all. A person with cancer will get treatment with or without insurance...of course without it wont be as good treatment...I dont know about you but I sure wouldnt want that to happen to anyone in my family or anyone I know.
    The YOU buy them insurance, don't ask me to. The idea that ANYTHING is free is INSANE. We all need food, clothing and shelter, yet are expected to provide it for oursevles. We now keep a permanent 15% of the population on welfare and get ZERO benefit from it. The newest idea is to give them "wellness" or "preventive" care in addition to all of the other current free stuff. That is WAY too much. Welfare now costs about $7,500 per person per year, adding another $2,000 for medical insurance to that is insane. Are you aware that the federal gov't now spends 24% of GDP and only dares to tax at 17% of GDP, running annual deficits of 40% and wants to spend MORE? Let's FIRST pay for what we have NOW (40% in tax increases?), then pay down the $16+ TRILLION in national debt, and THEN start talking about new "nice" things to do.
    Last edited by ttwtt78640; 06-24-12 at 03:16 AM.
    “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

  9. #49
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    Re: Question regarding HCR that is now in place?

    Quote Originally Posted by ttwtt78640 View Post
    The YOU buy them insurance, don't ask me to. The idea that ANYTHING is free is INSANE. We all need food, clothing and shelter, yet are expected to provide it for oursevles. We now keep a permanent 15% of the popualtion on welfare and get ZERO benefit from it. The newest idea is to give them "wellness" or "preventive" care in addition to all of the current free stuff. That is WAY too much. Welfare now costs about $7500 per person per year, adding another $2,000 for medical insurance to that is insane.
    You have been paying and you will continue to pay one way or the other....whether you like that or not...preventive care means nothing to a person with cancer...can you even begin to rationalize how it would feel to not be able to get health insurance and be dieing to boot

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    Re: Question regarding HCR that is now in place?

    Quote Originally Posted by ARealConservative View Post
    who will go to school to become a dr without a profit motive? who invests money on new drug research to break even?

    simply removing profits from insurance companies isn't going to do jack squat either.
    Doctors who work under socialized medicine still make a damn good amount of money...
    And plus wouldnt you want someone operating on you who is a doctor want to be a doctor because of the enjoyment and they care about being a doctor instead of wanting to be a doctor just because of the "profit motive" and out to make a boatload of money?


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