View Poll Results: Do you think no more preexisting conditions is right or wrong?

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Thread: Do you think no more preexisting conditions is right or wrong?

  1. #31
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    Re: Do you think no more preexisting conditions is right or wrong?

    Quote Originally Posted by O_Guru View Post
    have no problem some of this, life style and age can determin premiums and certain things definitely should but I dont agree with location? explain
    Perhaps the person wishing to have health insurance lives in an area that has high medical costs. That person will be more expensive to insure. Insurance companies should be able to discriminate upon these grounds.

    also when talking about something like this "etc" doesnt cover it, there are certain things that should NEVER have an impact on such things.
    Since I am making very general statements, I am sure you could find one thing they should never use, though I cannot think of one right now. Whatever variable an insurance company wants to use to justify raising or lowering its rates should in general be used. Insurance companies hedge against risk and uncertainty, and they will be able to do this better with more lax regulation in this regard.

    and I possible imagine how it would make the insurance market "much more efficient" unless you define efficient as lots of money for the insurance companies and lesser service coverage and quality of care for its customers.
    You are looking at it from a single point in time. So long as our insurance markets remain competitive, insurance companies will not simply reep the benefits. Why do you think we pay actuaries so much money? They want to find the lowest rate at which the insurance company can make money, or else the competition will take away their customers. If the insurance company can make more money by discriminating against those with pre-existing conditions, this will eventually lead to lower premiums.

    Im not saying you meant any of this im simply asking because since currently the insurance companies LOVE to figure out how to not pay what makes you think with "very light regulation" they would change this attitude?
    In this regard, I agree with you. We need to keep insurance companies honest. Insurance needs to be insurance. If you already have insurance they need to pay for what they said they would.

  2. #32
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    Re: Do you think no more preexisting conditions is right or wrong?

    Quote Originally Posted by drz-400 View Post
    Perhaps the person wishing to have health insurance lives in an area that has high medical costs. That person will be more expensive to insure. Insurance companies should be able to discriminate upon these grounds.
    I could be wrong but I cant imagine anywhere in america where these cost are so different where this would be justified and not already covered by local coast of living, not saying you are wrong i just dont know and seems like a very weak reason but again I guess such a case could be out there just seems doubtful.



    Quote Originally Posted by drz-400 View Post
    Since I am making very general statements, I am sure you could find one thing they should never use, though I cannot think of one right now. Whatever variable an insurance company wants to use to justify raising or lowering its rates should in general be used. Insurance companies hedge against risk and uncertainty, and they will be able to do this better with more lax regulation in this regard.
    totally disagree they should not be able to use and varible they choose, that could easily get discrimitory and allow them to screw customers worse.

    Now mind you I have no problem with a person who smokes 5 packs a day and drinks a 5th a day who sky dives and rock climbs paying increased fees just saying this area should definitely be regulated



    Quote Originally Posted by drz-400 View Post
    You are looking at it from a single point in time. So long as our insurance markets remain competitive, insurance companies will not simply reep the benefits. Why do you think we pay actuaries so much money? They want to find the lowest rate at which the insurance company can make money, or else the competition will take away their customers. If the insurance company can make more money by discriminating against those with pre-existing conditions, this will eventually lead to lower premiums.
    not in our current system, currently people dont have many choices at all, if health insurance became like car insurance where I can go online and basically have people bid for my services then MAYBE but currently no, I still dont see that making it effecient for CUSTOMERS at all going off the history of isnsurance companies. Nor do I want alot of people to be stuck without health care, I want whats best for the people and whats fair. Yes I could provide great cheap healthcare if theres 400million people to provide for and I disqualify 300million of them but that doesnt FIX anything



    Quote Originally Posted by drz-400 View Post
    In this regard, I agree with you. We need to keep insurance companies honest. Insurance needs to be insurance. If you already have insurance they need to pay for what they said they would.
    I figured you did I just dont see how we keep them honest with very little regulation
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  3. #33
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    Re: Do you think no more preexisting conditions is right or wrong?

    Quote Originally Posted by O_Guru View Post
    totally disagree they should not be able to use and varible they choose, that could easily get discrimitory and allow them to screw customers worse.

    Now mind you I have no problem with a person who smokes 5 packs a day and drinks a 5th a day who sky dives and rock climbs paying increased fees just saying this area should definitely be regulated
    Well, at least you see were I am coming from as far as pre-existing conditions, even though we disagree.

    not in our current system, currently people dont have many choices at all, if health insurance became like car insurance where I can go online and basically have people bid for my services then MAYBE but currently no, I still dont see that making it effecient for CUSTOMERS at all going off the history of isnsurance companies. Nor do I want alot of people to be stuck without health care, I want whats best for the people and whats fair. Yes I could provide great cheap healthcare if theres 400million people to provide for and I disqualify 300million of them but that doesnt FIX anything
    I agree. We need more competition in our health insurance industry. That is why in my ideal reform I would favor allowing for pre-existing conditions to be discriminated on, while providing people with a government run insurance option. Not only would it make keep insurance companies honest, it will make more competition within the industry. It would also allow for near universal coverage, which for a modern nation like the united states I support. I would not support de-regulating the insurance industry as such without adding some sort of public insurance option for those that would then find it difficult to finance their health care.
    Last edited by drz-400; 12-14-10 at 10:09 PM.

  4. #34
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    Re: Do you think no more preexisting conditions is right or wrong?

    If you have a pre existing condition, and if the insurance companies are allowed to exclude those conditions, then you can't get health insurance, correct?

    That being the case, the only alternative currently is to have a job that provides health care. If you don't have/lose your job, and can't afford to take care of that condition, whatever it is, then you're out of luck.

    Talk about death panels.
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  5. #35
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    Re: Do you think no more preexisting conditions is right or wrong?

    Quote Originally Posted by The Mark View Post
    So what replaces it?
    insurance that functions as insurance; just as auto insurance does. there is no better reason for health insurance to cover your biannual checkup than there is for your auto insurance to cover your gas-tank fillups.

  6. #36
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    Re: Do you think no more preexisting conditions is right or wrong?

    Quote Originally Posted by Dittohead not! View Post
    If you have a pre existing condition, and if the insurance companies are allowed to exclude those conditions, then you can't get health insurance, correct?

    That being the case, the only alternative currently is to have a job that provides health care. If you don't have/lose your job, and can't afford to take care of that condition, whatever it is, then you're out of luck.

    Talk about death panels.
    which is why we need to get away from employer-provided health insurance and provide the same tax benefits for individuals who purchase it.

  7. #37
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    Re: Do you think no more preexisting conditions is right or wrong?

    Quote Originally Posted by O_Guru View Post
    Again looking for honest GREY talk, not bias spin and partisan hate/ talking points.


    I of course love the no more preexisting conditions clause, its the right, proper and fair thing to do without a doubt it just needs "some" guidelines. Which OF COURSE is the magic trick I just dont understand those that are 100% against it so id like everyone's insight no matter your stance.

    yes i know I am making the poll cut and dry and there should probably be a "in the middle" or "other" option but i want to force people to pick and then defend their side and not cop out. Usually people make a more honest choice when forced.

    You are either for it or against it, of course you can add to it, reasons for and how far you will go or reason against because you think its all to risky.
    If people CHOOSE for whatever reason to NOT get insurance than how is it logical to suddenly say Oh...crap...now I have condition X...I better get insurance and the company HAS to pay for it.

    I can see the pre-existing condition clauses ONLY if the individual has been carrying insurance and transfers to another carrier...and then there should be SOME form of cooperative compensation from the insurance companies.

  8. #38
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    Re: Do you think no more preexisting conditions is right or wrong?

    Quote Originally Posted by cpwill View Post
    which is why we need to get away from employer-provided health insurance and provide the same tax benefits for individuals who purchase it.
    That sounds like, basically, high (or not so high) - deductible health insurance.

    Wherein you pay up to X dollars yourself, and then the insurance kicks in.

    Best kind, IMO.

    Of course, I haven't been to a doctor in years...
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  9. #39
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    Re: Do you think no more preexisting conditions is right or wrong?

    I voted right of course because thats what the poll dictates.
    preexisting conditions are definitely wrong and totally abused but with that sad I wouldnt want ZERO cases of them, they do serve a purpose but it has to be regulated so getting rid of them and working backwards to see which should actually hold up seem the right and fair thing to do to me.
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  10. #40
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    Re: Do you think no more preexisting conditions is right or wrong?

    Quote Originally Posted by The Mark View Post
    That sounds like, basically, high (or not so high) - deductible health insurance.

    Wherein you pay up to X dollars yourself, and then the insurance kicks in.

    Best kind, IMO.

    Of course, I haven't been to a doctor in years...
    for most folks that probably would be best. HSA's have proven fantastic where implemented.

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