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. #41
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    Re: Do you think no more preexisting conditions is right or wrong?

    Why is it an insurance companies responsibility to pay for a pre-existing condition and not the family of that person?

    If all pre-existing conditions are accepted by insurance companies, then after a short time, there will be no insurance companies so nobody will have coverage.

    Will that be OK?

  2. #42
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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 would be a good first step. It woudn't do anything for people with health issues, however. No one would be willing to insure them and cover their health problems.
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    Re: Do you think no more preexisting conditions is right or wrong?

    Quote Originally Posted by Dittohead not! View Post
    That would be a good first step. It woudn't do anything for people with health issues, however. No one would be willing to insure them and cover their health problems.
    Where does the money come from to help them, if they don't help themselves though?
    Are you saying we should force other people to pay for the INSURANCE they themselves never bothered to fund?

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

    Quote Originally Posted by Mach View Post
    Where does the money come from to help them, if they don't help themselves though?
    Are you saying we should force other people to pay for the INSURANCE they themselves never bothered to fund?
    Not everyone has had the chance to fund their health care. Some are born with health issues. Some experience serious accidents. Do you think we should just let them fend for themselves?

    If you have a serious illness or accident, lose your job, lose your health care, just tough shydt. Suck it up. If you die, you die for the good of society.

    Sure, that's the way to go, sure.
    "Donald Trump is a phony, a fraud... [he's] playing the American public for suckers." Mitt Romney

  5. #45
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    Re: Do you think no more preexisting conditions is right or wrong?

    Quote Originally Posted by Dittohead not! View Post
    Not everyone has had the chance to fund their health care. Some are born with health issues. Some experience serious accidents. Do you think we should just let them fend for themselves?
    Don't we already have free care for the disabled and for orphans, etc? You're trying that tired old fraud of using those that are really in need, that are already covered, to argue for something significantly more expansive and costly.

    If you have a serious illness or accident, lose your job, lose your health care, just tough shydt. Suck it up. If you die, you die for the good of society.
    Not really, it's not societies burden or societies boon. I don't exist for the pleasure of society.

  6. #46
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    Re: Do you think no more preexisting conditions is right or wrong?

    Quote Originally Posted by Mason66 View Post
    Why is it an insurance companies responsibility to pay for a pre-existing condition and not the family of that person?

    If all pre-existing conditions are accepted by insurance companies, then after a short time, there will be no insurance companies so nobody will have coverage.

    Will that be OK?
    Nobody wants ALL pre-existing condition to go away but MOST diffently should, and you saying there would be no insurance companies is nothing more than a guess, and my own guess is, if they used they obnixous profits to supply a better and quality product they would be just fine.

    With that said Im by no means against profit but to ir fairly so your company provides a good product insted of the screw jobs they like to do.

    For example CEO or BCBS got paid 13mil for ONE years service, ONE!! So its total BS that they try to say asthma is a preexcisting condition and other shady stuff.

    Whats just as bad, avg worker there makes 32K WTH!!!!! lol
    Thats not right either, why would it be so terrible for that company to get together, pay their workers on avg about 40-50K a year, have the CEO make 1million a year and provide a better product?

    Now I know what im talking about would be too much goverment control if they forced that and I wouldnt want them to FORCE it, but this is the reality we face and what large companies do and its sad.

    What happen to the days where a company CEO made 500K to a million a year, workers made good money had good benifits and they made a GREAT RELIABLE product that lasted?

    Now the CEO has to make 25million a year, give himself a 25million dollar bonus, pay his employess like crap and make the worst product possible but just good enough that they convince us its great because theres nothing to compare it to because most things suck nowadays lol

    Just a sad sad world.

    13million dollars A YEAR for being a health insurance CEO lmao, yeah they are in real danger of going broke.

    Like I said I want the free market etc but that dont make it right, and when companies CRY and WHINE about money I just laugh at their lies.

    Oh well hopefully the new regulations help.
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  7. #47
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    Re: Do you think no more preexisting conditions is right or wrong?

    [QUOTE=Mach;1059171778]Don't we already have free care for the disabled and for orphans, etc?

    Orphans, yes, if they're in the foster child system. Disabled, no.

    Quote Originally Posted by Mach View Post
    You're trying that tired old fraud of using those that are really in need, that are already covered, to argue for something significantly more expansive and costly.
    Not really, it's not societies burden or societies boon. I don't exist for the pleasure of society.
    You're assuming that those really in need are already covered, and that the poor are the issue. That is not so.

    Here's an example:

    Mr. Smith has worked for the Widget Corporation for thirty years now, since the age of 25. He has always been covered by their group plan, so his high blood pressure has never been an issue. The meds are costly, but are covered. The doctor is able to stabilize him and make sure he doesn't have a stroke or heart attack.

    Unfortunately for Mr. Smith, the Widget Corporation went out of business, and so he had to go to work for the Jiffy Mart for no benefits. He has a savings account, and owns a house. He is far from destitute.

    He goes to Insuracorp to purchase an individual policy. They sell him one, but exclude anything relating to his pre existing condition, his blood pressure.

    Mr. Smith can now hope that he can make it for another ten years (until he qualifies for Medicare) without suffering a stroke or heart attack. He can cut back on every possible expense. He can buy cheaper blood pressure meds, hoping they will work, but can't afford to see a doctor to find out.

    There are a lot of Mr. Smiths around. If they make it to Medicare, they're OK. If not, then they are going to lose everything. So, that's not your concern, not until you become a Mr. Smith.

    What are you going to do then?
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  8. #48
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    Re: Do you think no more preexisting conditions is right or wrong?

    Quote Originally Posted by Dittohead not! View Post
    Not everyone has had the chance to fund their health care. Some are born with health issues. Some experience serious accidents. Do you think we should just let them fend for themselves?

    If you have a serious illness or accident, lose your job, lose your health care, just tough shydt. Suck it up. If you die, you die for the good of society.

    Sure, that's the way to go, sure.
    What part of 'insurance' do you not get? Insurance is precisely what it is...you pay in advance 'just in case'. The situation you describe is a bitch but it is absolutely NOT the responsibility of ANY insurance carrier to cover people that will not or cannot cover themselv es in advance. Sorry...life sucks sometimes...grab a bucket.

    The absolute reality is that if you are facing life threatening illnesses take your ass to a public (not private) hospital. Will it kick your ass financially? Perhaps. Perhaps you will have to declare bankruptcy. Fine...thats an option.

    What you want is to be able to drive a car, wreck it, then have the insurance company pay for it, even though you didnt bother carrying insurance. Its bull****

  9. #49
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    Re: Do you think no more preexisting conditions is right or wrong?

    Quote Originally Posted by Dittohead not! View Post
    Orphans, yes, if they're in the foster child system. Disabled, no.
    Wikipedia disagrees, a whole slew are getting coverage:
    Government programs directly cover 27.8% of the population (83 million),[53] including the elderly, disabled, children, veterans, and some of the poor, and federal law mandates public access to emergency services regardless of ability to pay.
    They sell him one, but exclude anything relating to his pre existing condition, his blood pressure.
    Why didn't he get on Cobra?
    U.S. Department of Labor - Find It By Topic - Health Plans & Benefits - Continuation of Health Coverage – COBRA

    He can buy cheaper blood pressure meds, hoping they will work, but can't afford to see a doctor to find out.
    Worked for thirty years and can't afford a few hundred for a consultation? If he went to a clinic or free provider (possibly a longer line/wait list?) he could get the consultation for free.

    So, that's not your concern, not until you become a Mr. Smith.
    Worked for thirty years and needs me to pay for his insurance because he can't be bothered with Cobra and decided not to to save up for a rainy day...I mean, 30 years and 0 planning? Your example is making my case....
    Last edited by Mach; 12-20-10 at 05:58 PM.

  10. #50
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    Re: Do you think no more preexisting conditions is right or wrong?

    Quote Originally Posted by Mach View Post
    Wikipedia disagrees, a whole slew are getting coverage:
    Yes, a whole slew does get coverage. Another whole slew doesn't. Being disabled is not a qualification for health care.

    Quote Originally Posted by Mach View Post
    Why didn't he get on Cobra?
    Either because his employer's insurance only allows cobra for a limited time, or because the cost was prohibitive.

    Quote Originally Posted by Mach View Post
    Worked for thirty years and can't afford a few hundred for a consultation? If he went to a clinic or free provider (possibly a longer line/wait list?) he could get the consultation for free.
    There is no such thing as a "free provider." The only free care is at the emergency room, and that is only free if you simply don't pay your bill.

    Quote Originally Posted by Mach View Post
    Worked for thirty years and needs me to pay for his insurance because he can't be bothered with Cobra and decided not to to save up for a rainy day...I mean, 30 years and 0 planning? Your example is making my case....
    You seem to have forgotten that he did have a savings account, and did purchase an individual policy. It is not a case of individual irresponsibility.

    As for the "it's insurance" argument above, that's the problem: It is insurance. Unfortunately, insurance is not what is needed. What is needed is a system that (1) covers everyone, even those with "pre existing conditions", and (2) doesn't keep raising costs to the point that the average person can't afford health care.

    Medical bills are the #1 cause of individual bankruptcy in the US. It doesn't have to be that way, but it is that way. Further, we pay more than any other nation for health care. That is simply not sustainable.
    "Donald Trump is a phony, a fraud... [he's] playing the American public for suckers." Mitt Romney

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