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

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  • Yes.

    13 76.47%
  • No

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

  1. #61
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    Re: Question regarding HCR that is now in place?

    Quote Originally Posted by lizzie View Post
    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?
    I have explained this several times ... rescission was not illegal before the HCR. It would now be illegal and yet previously it was not.

    That is the point of the poll ... I cannot make it much simpler for you.

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    Re: Question regarding HCR that is now in place?

    Quote Originally Posted by Dion View Post
    I have explained this several times ... rescission was not illegal before the HCR. It would now be illegal and yet previously it was not.

    That is the point of the poll ... I cannot make it much simpler for you.
    In fact, the most anyone could hope to do was drag the health insurance company through the media mud and publicly shame them, which actually worked pretty well, believe it or not. Most people don't have the time or the energy to take on a mulizillion dollar company in the press, though.

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    Re: Question regarding HCR that is now in place?

    Quote Originally Posted by lizzie View Post
    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.
    Catastrophic coverage at the expense of preventative is even worse.

  4. #64
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    Re: Question regarding HCR that is now in place?

    Quote Originally Posted by Cardinal View Post
    Catastrophic coverage at the expense of preventative is even worse.
    What? That is the precise basis for MOST insurance; it is intended for the rare, the unexpected and the expensive event - not for the everyday routine expenses. You do not expect your auto policy to cover oil changes, tune ups or flat tires. You do not expect your homeowners policy to cover worn out appliances, maintaining the lawn or periodically repainting the exterior. Far too many have come to see routine check-ups, minor ailments and a simple cleaning, stitching and dressing of a wound as a MAJOR MEDICAL EVENT that requires use of an insurance policy; that is what drives the cost up, with tons of useless paperwork. Using the KISS principle is in order, just as with ALL other forms of insurance.
    Last edited by ttwtt78640; 06-25-12 at 01:24 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

  5. #65
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    Re: Question regarding HCR that is now in place?

    Quote Originally Posted by Cardinal View Post
    Catastrophic coverage at the expense of preventative is even worse.
    No, not when you take American lifestyles and mindsets into consideration. By and larage, people in this country don't want to practice preventative medical care. They want to eat like pigs, smoke like stacks, drink like fish, then come running to the hospital to get fixed. Preventative health care is living a healthy lifestyle, which is at odds with American lifestyles. Anybody with a brain can figure out that eating healthy and exercising will prevent an early onset of health problems. They just don't want to do it.
    "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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  6. #66
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    Re: Question regarding HCR that is now in place?

    Quote Originally Posted by Dion View Post
    I have explained this several times ... rescission was not illegal before the HCR. It would now be illegal and yet previously it was not.

    That is the point of the poll ... I cannot make it much simpler for you.
    I understand the poll. I answered the poll. Is there something in my question that you didn't understand?
    "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 lizzie View Post
    No, not when you take American lifestyles and mindsets into consideration. By and larage, people in this country don't want to practice preventative medical care. They want to eat like pigs, smoke like stacks, drink like fish, then come running to the hospital to get fixed. Preventative health care is living a healthy lifestyle, which is at odds with American lifestyles. Anybody with a brain can figure out that eating healthy and exercising will prevent an early onset of health problems. They just don't want to do it.
    I can dance to that up until, oh forty years old. At that point most people will need to see a doctor more often regardless of healthy lifestyle.

    Do you have a group insurance plan (or are under 30)? I'm not trying to be snide, but you (and ttwtt78640) don't really sound like you've thought about any of this from the perspective of someone who's had to deal with this from the other side of the tracks, so to speak.

    http://insureme.us/catastrophic-health-insurance-you/

    Disadvantages. The disadvantage of having a catastrophic insurance plan may really depend on the age of the person getting it. For healthy young people, it may work to their advantage as they would not really need much medical care. However, for middle-aged individuals, who would need frequent medical visits and tests done, it may do their pockets more harm than good. Essentially, they will be paying for these services first before the company would shell out any money for them. Getting this type of insurance plan means that you are ready to shell out a certain amount from your own pocket in order for you to be able to experience the full benefit of your insurance coverage.

    The bottom line is that you have to know what you need at this point in time. Perhaps asking yourself the following questions will simplify things for you:

    Do you find yourself needing medical attention most of the time?
    Do you need medical treatment and prescription drugs on a regular basis?
    Can you afford to pay out-of-pocket expenses for medical needs?

    If you do need medical care, treatment, and drugs, then this plan is not for you. Make sure that you assess your medical needs at this point in time, as well as your financial capability. Not having the money to readily pay for your medical expenses also increases the burden on your shoulders, so be very careful about agreeing to pay deductibles if you cannot afford to do so.
    Last edited by Cardinal; 06-25-12 at 01:56 AM.

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    Re: Question regarding HCR that is now in place?

    Quote Originally Posted by lizzie View Post
    I understand the poll. I answered the poll. Is there something in my question that you didn't understand?
    The problem with your question is it assumed that reasons for dropping people from their coverage could be illegal.

  9. #69
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    Re: Question regarding HCR that is now in place?


    When I was born the bill was under $100, which included the manditory week in hospital. When I was a child our Dr. came to our house when I had Chicken Pox & when my brother was burned, the bills for these visits (found bills in fathers things) was $6.00 per. My brother, who knew the make, model & year of everyone he knew says he drove a '48 Chevy, delux coupe, which was at the time 8 years old, but clean as a whisle.

    Quote Originally Posted by ttwtt78640 View Post
    What? That is the precise basis for MOST insurance; it is intended for the rare, the unexpected and the expensive event - not for the everyday routine expenses. You do not expect your auto policy to cover oil changes, tune ups or flat tires. You do not expect your homeowners policy to cover worn out appliances, maintaining the lawn or periodically repainting the exterior. Far too many have come to see routine check-ups, minor ailments and a simple cleaning, stitching and dressing of a wound as a MAJOR MEDICAL EVENT that requires use of an insurance policy; that is what drives the cost up, with tons of useless paperwork. Using the KISS principle is in order, just as with ALL other forms of insurance.

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

  10. #70
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    Re: Question regarding HCR that is now in place?

    Quote Originally Posted by jpevans View Post

    When I was born the bill was under $100, which included the manditory week in hospital. When I was a child our Dr. came to our house when I had Chicken Pox & when my brother was burned, the bills for these visits (found bills in fathers things) was $6.00 per. My brother, who knew the make, model & year of everyone he knew says he drove a '48 Chevy, delux coupe, which was at the time 8 years old, but clean as a whisle.
    Your point is? Inflation since 1948 was 853.6%, so that 1948 $100 bill is now $953.59. Medical care costs have risen far more than average inflation.
    “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

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