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Question regarding HCR that is now in place?

Do you agree with the component of HCR that disallows rescission.


  • Total voters
    17
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 :)
 
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?
 
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.
 
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?
 
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.

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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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.

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.
 
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.


BCBS is far higher in other states...thats just texas...if you abolished medicaid and medicare...you will be paying more for them getting alot less in the emergency room
 
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?

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.
 
BCBS is far higher in other states...thats just texas...if you abolished medicaid and medicare...you will be paying more for them getting alot less in the emergency room

Nonsense, nobody is talking about abolishing Medicare/Medicaid they BOTH exist WITH Obamacare too. Find ANY state where BCBS charges MORE in annual premiums than the average Medicaid amount spent, per person, in that state. I posted what YOU asked for, now back up YOUR assertion. Crickets...
 
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This is good news...I do believe Obamacare will be struck down...the mandate portion of it.


The nation’s largest health insurer will keep in place several key consumer provisions mandated by the 2010 health-care law regardless of whether the statute survives Supreme Court review.

Officials at UnitedHealthcare will announce Monday that whatever the outcome of the court decision — expected this month — the company will continue to provide customers preventive health-care services without co-payments or other out-of-pocket charges, allow parents to keep adult children up to age 26 on their plans, and maintain the more streamlined appeals process required by the law.

UnitedHealthcare would also continue to observe the law’s prohibitions on putting lifetime limits on insurance payouts and rescinding coverage after a member becomes ill, except in cases where a member intentionally lied on an insurance application.

Largest health insurer to keep key parts of law regardless of court ruling - The Washington Post
 
Breaches of contract were not legal before PPACA.

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
 
This is good news...I do believe Obamacare will be struck down...the mandate portion of it.


The nation’s largest health insurer will keep in place several key consumer provisions mandated by the 2010 health-care law regardless of whether the statute survives Supreme Court review.

Officials at UnitedHealthcare will announce Monday that whatever the outcome of the court decision — expected this month — the company will continue to provide customers preventive health-care services without co-payments or other out-of-pocket charges, allow parents to keep adult children up to age 26 on their plans, and maintain the more streamlined appeals process required by the law.

UnitedHealthcare would also continue to observe the law’s prohibitions on putting lifetime limits on insurance payouts and rescinding coverage after a member becomes ill, except in cases where a member intentionally lied on an insurance application.

Largest health insurer to keep key parts of law regardless of court ruling - The Washington Post

LOL. What about the pre-existing condition provision, the single MOST expensive part of ObamaCare? That is the real insurance company killer in ObamaCare; why pay premiums every year, if you can simply wait until you are sick and then buy insurance?
 
LOL. What about the pre-existing condition provision, the single MOST expensive part of ObamaCare? That is the real insurance company killer in ObamaCare; why pay premiums every year, if you can simply wait until you are sick and then buy insurance?

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
 
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.
 
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. ;-)
 
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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...
 
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.
 
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
 
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.
 
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.
 
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.
 
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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
 
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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