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PEC. Read the language very carefully

Vetplus40 said:
Please kindly explain to the "uninformed" the ACTUAL difference between being denied coverage because you have a PEC, or being assessed a PEC premium that is so expensive that you cannot afford to pay it. Isn't the end result NO COVERAGE? Now, I know you are a firm believer in the Trump universe of "alternate facts", so please enlighten us on the difference between the two
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You know nothing John Snow

Her experience is more than enough for her to know what she is talking about. 2nd bolded part...... :lamo
 
Vetplus40 said:
Please kindly explain to the "uninformed" the ACTUAL difference between being denied coverage because you have a PEC, or being assessed a PEC premium that is so expensive that you cannot afford to pay it. Isn't the end result NO COVERAGE? Now, I know you are a firm believer in the Trump universe of "alternate facts", so please enlighten us on the difference between the two
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I have been an entrepreneur my whole life. Always purchased my own insurance. I NEVER saw a premium differ because of PECs. EVER. You were either eligible for coverage or you weren't. Premiums quoted ONLY on basis of age and sex.* You insinuate that one could buy insurance after treatment for cancer or a diabetes diagnosis or any other PEC by paying more. That is not true. People were uninsurable EXCEPT through employer group plans where such exclusion based on PEC was illegal.

if you have evidence to the contrary, please post it.

* There were some few companies whose underwriters would approve selling a policy to someone with a particular PEC by specifically excluding coverage FOR that PEC, but by the time the underwriters spelled out the details in the fine print, people would find the insurance company was excluding the skin and all its contents.
 
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Vetplus40 said:
Well, maybe the House Conservatives will show us how that works, since they obviously have a very different definition of the word "access".
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They define it in a way so that they can AGAIN blame the victim. When they die, "Well... It's your fault. You had access. "
 
Vetplus40 said:
Please kindly explain to the "uninformed" the ACTUAL difference between being denied coverage because you have a PEC, or being assessed a PEC premium that is so expensive that you cannot afford to pay it. Isn't the end result NO COVERAGE? Now, I know you are a firm believer in the Trump universe of "alternate facts", so please enlighten us on the difference between the two
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Should future bernie and liz warren voters be able to get health insurance at bargain rates on their way to the emergency room?

It seems to me there has to be some limits to the pre existing conditions loophole
 
Mac77 said:
Should future bernie and liz warren voters be able to get health insurance at bargain rates on their way to the emergency room?

It seems to me there has to be some limits to the pre existing conditions loophole
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Right, right, you can buy insurance on the way to the emergency room, but you have to show your "liberal" card and prove you voted for Bernie or Liz.

You also have to show you have no clue what "pre existing conditions" really means. If you can do that, you're home free.
 
Dittohead not! said:
Right, right, you can buy insurance on the way to the emergency room, but you have to show your "liberal" card and prove you voted for Bernie or Liz.

You also have to show you have no clue what "pre existing conditions" really means. If you can do that, you're home free.
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We talked about this already

Everyone with insurance under obamacare who keeps insurance coverage should be protected from being dropped if they get sick

Conservatives are no more in favor of insurance company abuse than abuse by obama voters looking for a free ride.

We should find a way for people to buy insurance at a fair price without throwing everyone into a crappy one-size-fits-all government run minestry of national health

But its getting late

Obamacare has thrown some serious monkey wrenches into the private health system
 
Dittohead not! said:
No kidding.

Take the concept of "pre existing conditions" as an example. People seem to think it means that you can buy insurance after you get sick, maybe in the hospital. That's nonsense. What it really means is that, should you have heart disease, diabetes, or any other chronic illness, you can still be treated even if you don't have the resources of Warren Buffet. It's not necessary to sell everything and quit your job so you can get Medicaid in order to be able to afford dialysis. The insurance company can't drop you and anyone else that if finds unprofitable after you do get sick.

Repeal and replace Obamacare? Good idea. Let's do that, but let's replace it with something better, not something worse. Even Trump admits that Canada and Australia have better systems than we do, even after the ACA. There is much work to be done.
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There's a good idea. Lets add to that that an ins. co. can't raise you rates due to an illness/injury. The only way they can raise their rates is to show an increase in costs and that gets applied to all participants, not just those who are sick/injured. Allow people to join ins. pools for those who are provably healthy and who maintain that level of health. Allow ins. cos. to put "Hold my beer." idiots who can't seem to not be stupid, those who choose grossly unhealthy lifestyles leading to avoidable serious health issues and a few other cases into higher risk pools. Put these definitions into the hands of a 3rd party (NOT the gov't, but one approved by the Surgeon General with oversight by council of State Govs. chosen at random each year).

See... That's how you fix problems - by finding solutions, not by bitching about the problems and finding people to blame.
 
Mac77 said:
1 We talked about this already

2 Everyone with insurance under obamacare who keeps insurance coverage should be protected from being dropped if they get sick

3 Conservatives are no more in favor of insurance company abuse than abuse by obama voters looking for a free ride.

4 We should find a way for people to buy insurance at a fair price without throwing everyone into a crappy one-size-fits-all government run minestry of national health

But its getting late

Obamacare has thrown some serious monkey wrenches into the private health system
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1 Yes, we have, and still are.
2. The operative word there is "should."
3. No, but at least some of the ones in the house are willing to allow said abuse in order to "repeal and replace," even if it means replacing with something worse, just so that Trump can "win."
4 Neither party has come up with such a plan so far. Meanwhile, I have "crappy one size fits all" Medicare that works as well as the Blue Cross I used to have. It can be done. It may take some real changes in Washington, but if Canada and Australia can have a better health care plan, so can we.
5. and covering pre existing conditions is still not the same thing as buying insurance on the way to the hospital.
 
faithful_servant said:
There's a good idea. Lets add to that that an ins. co. can't raise you rates due to an illness/injury. The only way they can raise their rates is to show an increase in costs and that gets applied to all participants, not just those who are sick/injured. Allow people to join ins. pools for those who are provably healthy and who maintain that level of health. Allow ins. cos. to put "Hold my beer." idiots who can't seem to not be stupid, those who choose grossly unhealthy lifestyles leading to avoidable serious health issues and a few other cases into higher risk pools. Put these definitions into the hands of a 3rd party (NOT the gov't, but one approved by the Surgeon General with oversight by council of State Govs. chosen at random each year).

See... That's how you fix problems - by finding solutions, not by bitching about the problems and finding people to blame.
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That sounds like it might work.

I'll expect to be reading more of your posts proposing practical solutions to problems rather than blaming the "liberals" for all the ills in Pandora's box.
 
Dittohead not! said:
That sounds like it might work.

I'll expect to be reading more of your posts proposing practical solutions to problems rather than blaming the "liberals" for all the ills in Pandora's box.
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First of all, I've put out LOTS of ideas on how to fix things. I've thrown out some very practical solutions that would address a lot of the problems our healthcare system. Things like a program to get more healthcare professionals educated and trained, proposals that would put an end to the majority of the pre-existing condition problems, ideas that would eliminate employer's overhead costs of providing insurance.

Secondly, I'll be waiting for you to provide a link to where I've blamed liberals for everything.
 
faithful_servant said:
First of all, I've put out LOTS of ideas on how to fix things. I've thrown out some very practical solutions that would address a lot of the problems our healthcare system. Things like a program to get more healthcare professionals educated and trained, proposals that would put an end to the majority of the pre-existing condition problems, ideas that would eliminate employer's overhead costs of providing insurance.

Secondly, I'll be waiting for you to provide a link to where I've blamed liberals for everything.
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I'm not sure. Maybe I have you mixed up with someone else. If not, then I'll mark this post to refer to if and when you blame "liberals" for all of the ills.

XXXXXXXX
 
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