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. #71
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    Re: Do you think no more preexisting conditions is right or wrong?

    wow more people actually think its OK to deny you because of a pre-existing condition. wtf happened!!?
    'I believe that, as long as there is plenty, poverty is evil.' - Bobby Kennedy

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

    Quote Originally Posted by Badfish420 View Post
    wow more people actually think its OK to deny you because of a pre-existing condition. wtf happened!!?
    It's because most people don't understand the healthcare crisis re insurance. Most people get their insurance through their employer...or they or they choose to do without. Those who get their health insurance through their employer, as a general rule, don't have a clue. And I mean that in a sarcastic way, I'm afraid.
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    Re: Do you think no more preexisting conditions is right or wrong?

    Quote Originally Posted by MaggieD View Post
    It's because most people don't understand the healthcare crisis re insurance. Most people get their insurance through their employer...or they or they choose to do without. Those who get their health insurance through their employer, as a general rule, don't have a clue. And I mean that in a sarcastic way, I'm afraid.
    Of course, an honorable company providing health care insurance to its employees would never discharge employees if they became too sick to work, thus terminating the insurance.....especially after years of service. Also sarcastic....
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    Re: Do you think no more preexisting conditions is right or wrong?

    Quote Originally Posted by Badfish420 View Post
    wow more people actually think its OK to deny you because of a pre-existing condition. wtf happened!!?
    people are becoming educated in the failure of left-wing economics. it's a beautiful thing .

  5. #75
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    Re: Do you think no more preexisting conditions is right or wrong?

    Quote Originally Posted by Badfish420 View Post
    wow more people actually think its OK to deny you because of a pre-existing condition. wtf happened!!?
    Insurance is a service to protect you from things that might happen. What you are doing, essentially, is betting that the bad thing you are getting coverage for will occur, while the insurance provider is betting that it will not; the odds of those events happening to you are calculated and set the payouts for the bet. The more likely the event and the more insurance coverage, the more you have to pay in premiums. This isn't any more evil than sports betting; it's the exact same process, and it's how insurance works.

    A pre-existing condition is not something that might happen. A pre-existing condition is something that has already happened and will continue to happen. Insurance coverage for pre-existing conditions is fundamentally asking a bookie-- a very smart, professional bookie with a team of actuaries-- to bet against a guaranteed outcome. It breaks the way insurance works, which means that companies that sell insurance don't profit, and if they don't profit they cannot continue to provide insurance.

    The problem with healthcare in this country is not that people cannot get insurance. The problem with healthcare in this country is that people can't afford it without insurance.

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

    Quote Originally Posted by Viktyr Korimir View Post
    Insurance is a service to protect you from things that might happen. What you are doing, essentially, is betting that the bad thing you are getting coverage for will occur, while the insurance provider is betting that it will not; the odds of those events happening to you are calculated and set the payouts for the bet. The more likely the event and the more insurance coverage, the more you have to pay in premiums. This isn't any more evil than sports betting; it's the exact same process, and it's how insurance works.

    A pre-existing condition is not something that might happen. A pre-existing condition is something that has already happened and will continue to happen. Insurance coverage for pre-existing conditions is fundamentally asking a bookie-- a very smart, professional bookie with a team of actuaries-- to bet against a guaranteed outcome. It breaks the way insurance works, which means that companies that sell insurance don't profit, and if they don't profit they cannot continue to provide insurance.

    The problem with healthcare in this country is not that people cannot get insurance. The problem with healthcare in this country is that people can't afford it without insurance.
    Nice post.

    It seems that, with health care, the supply/demand curve is broken. It's not something that a person can do without, so they have no option to refuse and limited means to shop around (often enforced by the insurance company). Nor is care refused. But the cost can be overwhelming.

    Often, the bills just don't get paid. Charity care and union-contracted pensions pushed a hospital system near me into bankruptcy last year. They had one hospital turning a healthy profit, and another in a poorer area burning through it plus some. In effect, lack of access to insurance made everyone poorer. Pensions, pay and benefits were trimmed for hundreds in both communities -- at least among those who weren't laid off.

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

    Stupidity is a preexisting condition, so pretty much any injury that comers as a result of it probably should not be covered by insurance.

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

    Quote Originally Posted by Viktyr Korimir View Post
    Insurance is a service to protect you from things that might happen. What you are doing, essentially, is betting that the bad thing you are getting coverage for will occur, while the insurance provider is betting that it will not; the odds of those events happening to you are calculated and set the payouts for the bet. The more likely the event and the more insurance coverage, the more you have to pay in premiums. This isn't any more evil than sports betting; it's the exact same process, and it's how insurance works.

    A pre-existing condition is not something that might happen. A pre-existing condition is something that has already happened and will continue to happen. Insurance coverage for pre-existing conditions is fundamentally asking a bookie-- a very smart, professional bookie with a team of actuaries-- to bet against a guaranteed outcome. It breaks the way insurance works, which means that companies that sell insurance don't profit, and if they don't profit they cannot continue to provide insurance.

    The problem with healthcare in this country is not that people cannot get insurance. The problem with healthcare in this country is that people can't afford it without insurance.
    I love your last paragraph.

    Are you not aware that insurance companies take these bets alllll the time? Anyone in a group plan provided by their employer is already covered for pre-existing conditions. At worst, there might be a 60-90 day waiting period from their date of hire. Further, the majority of people who have health insurance are covered by these group plans. And still the insurance companies make handsome profits. Why? Because everyone, every single person who works for a particular company with a particular group plan, must be covered...whether they want to or not. Mandatory insurance. It works just fine.

    The pre-existing conditions exclusion profoundly effects those who have to buy their health insurance individually....those who lose their employer healthcare because they get laid off...entrepreneurs who start their own businesses...those whose employers don't provide group coverage.

    Who are these people? They're waitstaff, convenience store workers, lawn service people, your auto mechanic, cab drivers, independent contractors like Realtors, your next-door neighbor who lost his job, anyone brave enough to set out on their own to start their own business, workers at most mom-and-pop businesses, the guys at your corner gas station, the lady who cuts your hair. In short, they're you and me.

    Everybody buys health insurance. Everybody's covered. No pre-existing conditions allowed. It's time. It's long past time.
    The devil whispered in my ear, "You cannot withstand the storm." I whispered back, "I am ​the storm."

  9. #79
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    Re: Do you think no more preexisting conditions is right or wrong?

    Quote Originally Posted by MaggieD View Post
    I love your last paragraph.

    Are you not aware that insurance companies take these bets alllll the time? Anyone in a group plan provided by their employer is already covered for pre-existing conditions. At worst, there might be a 60-90 day waiting period from their date of hire. Further, the majority of people who have health insurance are covered by these group plans. And still the insurance companies make handsome profits. Why? Because everyone, every single person who works for a particular company with a particular group plan, must be covered...whether they want to or not. Mandatory insurance. It works just fine.

    The pre-existing conditions exclusion profoundly effects those who have to buy their health insurance individually....those who lose their employer healthcare because they get laid off...entrepreneurs who start their own businesses...those whose employers don't provide group coverage.

    Who are these people? They're waitstaff, convenience store workers, lawn service people, your auto mechanic, cab drivers, independent contractors like Realtors, your next-door neighbor who lost his job, anyone brave enough to set out on their own to start their own business, workers at most mom-and-pop businesses, the guys at your corner gas station, the lady who cuts your hair. In short, they're you and me.

    Everybody buys health insurance. Everybody's covered. No pre-existing conditions allowed. It's time. It's long past time.
    But your missing the point of insurance. It's a corporation. The only goal of a corporation is to make profit (though the good ones do it in a moral way). By forcing the insurance companies to take on pre-existing conditions, you are forcing them to no longer be able to maximize a profit on their customers (without raising rates). The only way they can continue to provide coverage is to continue to make a profit - or they go bust. I agree, sure it's better for all of us if we all have insurance. But forcing insurance companies to insure everybody makes it that much more difficult to insure anybody.

    There is a problem that obviously needs to be fixed: Health Care costs. But by significantly increasing demand of healthcare (by making sure everyone has insurance and can go to the hospital) without increasing supply first is only going to make Health Care that much more expensive. So insurance companies, again, need to increase their rates to pay for more expensive health care in addition to needing to raise rates to account for all of their 'losing' customers that this law gives them no choice but to accept as customers. So they have a double incentive to raise rates, or go bust. It's a downward spiral from here. Soon none of us will be able to afford insurance (and yet we'll all have to legally buy it or pay a fine)

  10. #80
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    Re: Do you think no more preexisting conditions is right or wrong?

    About a year ago, maybe 2 years, I read in Google News that insurance companies would be willing to take on pre-existing conditions IF we are all required to have health care insurance. It is only fair....
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