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. #51
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    Re: Question regarding HCR that is now in place?

    Quote Originally Posted by ttwtt78640 View Post
    Fair enough try these links:

    What is the cost per person annually for medicaid

    What is the cost per person annually for medicare

    Premium Meter - Blue Cross Blue Shield of Texas

    As you will see, the BCBS makes a PROFIT and yet still charges far lower annual preimiums, than the average annual cost, per patient, for either the Medicare or Medicaid programs.

    Apples and oranges perhaps?

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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 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.

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

  3. #53
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    Re: Question regarding HCR that is now in place?

    Quote Originally Posted by ttwtt78640 View Post
    OK, but MANDATING that ALL very sick folks be accepted WILL (no doubt about it) raise the premium costs for all. It looks good on paper but is simply a tax placed on everyone (and very likely to bankrupt the medical insurance companies). If the annual fine is less than the annual insurance premium cost then, unless you are sick (or crazy), you will obviously opt to pay the fine and ONLY opt to buy insurance AFTER you "feel the need" to buy it. The likely effect of that, is LESS business for the private medical insurance companies EXCEPT for those needing expensive care, since they can not be turned down for "pre-exising" condidtions.
    as we don't turn away people without the ability to pay, it's already a tax on everyone.

    and "pre-existing" conditions only exist at all because of the failed employer-based delivery system. if coverage is unlinked to employment / employment changes, then the person is covered before the condition and maintains basic coverage for life.

  4. #54
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    Re: Question regarding HCR that is now in place?

    Quote Originally Posted by ttwtt78640 View Post
    Rescission was very rare but was made into a "current health care CRISIS" boggie man, by those hoping to gain more support for health care mandates of ALL kinds. 90% of medical care insurance is bought and paid for by employers, so NO rescission is possible there. That leaves only individuals, the 10% that purchase policies directly from insurance companies that may even be subject to it.
    Is the moral of that story that you shouldn't be self employed (which I'm guessing is the largest group of people who use individual plans)? Or that it's okay to be screwed by individual plans because groups plans don't screw you? Trying to figure out your point here.

    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).

    This is where MOST rescission comes in; you say all is well and buy the medical insurance. Very soon, you go to the doctor, using that new insurance benefit (why not you are paying for it?) and they find multiple problems, clogged arteries, perhaps some tumors that my be bad news and run a bunch of expensive tests, these expenses (of course) go to the insurance company for payment; the next thing, when the test results come back, they say you need heart bypass surgery and treatment for cancer that will cost well over half a million dollars. The insurance company now feels they were SCREWED, since you have been with them for less than a year, had no prior insurance and they think that you KNEW you were in bad shape, but lied, when you decided, after 20 years, to finally buy medical insurance; they decide to rescind your policy, they know it will be appealed, that you may even get on the news, giving them bad press and they will likely spend up to $200K in legal fees, but they decide that beats taking at least a $500K sure loss.

    Link: http://healthblog.ncpa.org/rescissio...about-nothing/

    Rescission isn't the only way they get you. After they find out you have a long term illness they can simply raise your rates until you can't afford them anymore. Then you'll drop the individual after you can't afford it anymore and then you'll be barred from future plans. Wait, haven't I told you this already?

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    Re: Question regarding HCR that is now in place?

    Quote Originally Posted by Neomalthusian View Post
    Breaches of contract were not legal before PPACA.
    It was legal in the health insurance industry to then on the next annual round to cancel the contract ... so you are uninformed. PPACA changed that!

  6. #56
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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.
    Then they need to have insurance before they get sick. That's the way insurance works. It's the same with auto or life insurance. You buy insurance for what could happen, not what has already happened.
    "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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    Re: Question regarding HCR that is now in place?

    Quote Originally Posted by TheDemSocialist View Post
    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?
    I want the doctor who is skilled and has expertise, regardless of his motive. He is providing a valuable service, and has worked his ass off to get through med school, at a very high cost. His malpractice insurance is expensive, his office expenses are high, and he puts up with a ton of **** off hospital administrators and some of the patient population. It's a thankless job, and only someone who has true dedication can do the job well.
    "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

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    Re: Question regarding HCR that is now in place?

    Quote Originally Posted by lizzie View Post
    Then they need to have insurance before they get sick. That's the way insurance works. It's the same with auto or life insurance. You buy insurance for what could happen, not what has already happened.
    If you are healthy and do not have any medical conditions your medical insurance rate is low due to your good health. Once this changes you can see an increase in rates from your current carrier. If you then try and shop with another company for competitive rates you will discover that since you now have a preexisting condition it may not be possible to get a lower price or even any coverage at all. Not every medical diagnosis has the same effect on your medical insurance premiums. Some ailments are considered high risk, while others are low grade. Understanding which category you fall into will help you navigate the ins and outs of insurance coverage and policy quotes.

    As long as you are in good health you have no worries about the cost of insurance protection. Your health can be determined by your physical actions such as how you eat and drink and whether or not you exercise. Even smoking can affect your health. Once your status changes from excellent health to average or poor health to an insurance company you are downgraded as a higher risk. They will raise the price you pay to receive protection.
    Health Care Issues

    So people get insurance, get sick, can't afford new premiums and with the new existing illness can't shop for new insurance.

    This is just one reason why people are so upset, everybody. Along with the danger of losing your job (and thus losing your coverage) and premiums that rise faster than inflation, the existing form of healthcare is broken.
    Last edited by Cardinal; 06-25-12 at 12:05 AM.

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    Re: Question regarding HCR that is now in place?

    Quote Originally Posted by Cardinal View Post
    [This is just one reason why people are so upset, everybody. Along with the danger of losing your job (and thus losing your coverage) and premiums that rise faster than inflation, the existing form of healthcare is broken.
    I realize it's broken, but the way our government is trying to fix it, is a huge mistake. The direction of health care coveraoge should be toward catastrophic care coverage, and not comprehensive. This is one of the primary reasons health care costs have gotten out of hand.
    "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

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    Re: Question regarding HCR that is now in place?

    Quote Originally Posted by Dion View Post
    Because it was legal before HCR ... I think you are the same poster on another thread that thought there were "free" hospitals in each city for the uninsured. You were clueless as to why this would cost more than offering a public option or requiring minimal coverage.
    No, I did not claim that there were "free" hospitals in each city. You must be reading into my posts, beyond what is there.

    I'll ask you again, if people are being dropped for illegal reasons, why are malpractice lawyers not filling up the courts with cases? This should be simple enough to prove. If people are not giving false information, or omitting pertinent information when they apply for insurance, why should the insurer continue coverage?
    "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

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