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re: Is insurance that covers pre existing conditions really insurance ?
Posted on 10/19/18 at 4:52 pm to NYNolaguy1
Posted on 10/19/18 at 4:52 pm to NYNolaguy1
Nothing you said changes my answer.
The answer is no for individual policies.
The answer is no for individual policies.
1
Posted on 10/19/18 at 5:14 pm to roadGator
quote:
Nothing you said changes my answer.
The answer is no for individual policies.
So lets say you, roadgator, have insurance and go to the doctor tomorrow and find out you have leukemia. Lets say for the sake of argument that your wife carries insurance for the two of you.
Shortly after diagnosis she switches jobs with no lapse in coverage.
Why should the new insurance pickup your ongoing cancer treatments for your pre-existing condition?
Posted on 10/19/18 at 5:15 pm to TheMailman
No
Posted on 10/19/18 at 5:28 pm to NYNolaguy1
You do realize most chronic diseases that inflict the biggest burden on the healthcare system are self inflicted by diet, drinking, and smoking? All personal choices.
Posted on 10/19/18 at 5:32 pm to NYNolaguy1
quote:
Why should the new insurance pickup your ongoing cancer treatments for your pre-existing condition?
From my perspective, this is a question for benefits departments. If you want talented people to work for you, you have to take these sorts of questions into account when developing a benefits package. If a company decided to not conver the preexisting conditions of new employees who had no lapse in coverage, it could limit their pool of available employees.
Posted on 10/19/18 at 5:45 pm to NYNolaguy1
quote:
Why should the new insurance pickup your ongoing cancer treatments for your pre-existing condition?
Because that is how group insurance works?
Posted on 10/19/18 at 5:53 pm to TheMailman
Of course not
Posted on 10/19/18 at 5:56 pm to TheMailman
frick no
Posted on 10/19/18 at 7:14 pm to Johnpettigrew
quote:
You do realize most chronic diseases that inflict the biggest burden on the healthcare system are self inflicted by diet, drinking, and smoking?
I am sure you'll be the first to explain this to lung cancer survivors who dont and have never smoked or those with liver conditions that dont drink to excess.
Did you know that cancer is also determined by environment and genetics?
Posted on 10/19/18 at 7:24 pm to NYNolaguy1
quote:
I am sure you'll be the first to explain this to lung cancer survivors who dont and have never smoked or those with liver conditions that dont drink to excess. Did you know that cancer is also determined by environment and genetics?
If you work for a while in a cancer treatment center it becomes apparent that among those with oral, throat, and lung cancer those people are outliers.
Posted on 10/19/18 at 8:11 pm to TheMailman
We need to change the pricing model of healthcare to a subscription based model.
Medicare changed the overall pricing model in the eighties. My first health insurance policy paid $100 per day to the hospital and that was it. It paid the doctor's bills but none of these 40 page bills we see today. Somebody had the idea to got to a fee for service pricing model based on individual services and the health care industry started inventing things they could bill for. Medicare is about 50% of our healthcare and providers cannot charge anyone else LESS than they charge medicare so it becomes a floor for medical pricing that is ever increasing as providers lobby bureaucrats and Congress.
Medicare changed the overall pricing model in the eighties. My first health insurance policy paid $100 per day to the hospital and that was it. It paid the doctor's bills but none of these 40 page bills we see today. Somebody had the idea to got to a fee for service pricing model based on individual services and the health care industry started inventing things they could bill for. Medicare is about 50% of our healthcare and providers cannot charge anyone else LESS than they charge medicare so it becomes a floor for medical pricing that is ever increasing as providers lobby bureaucrats and Congress.
Posted on 10/19/18 at 8:12 pm to TheMailman
Sure. You just have to design it properly.
There are two mandates for a properly designed pre-existing conditions clause:
(1) Deter rent seeking. You don't want people who are healthy to deliberately forgo buying insurance to save the premiums only to buy it after they get sick.
(2) Protect people who have coverage and for whatever reason lose coverage (job loss, job change, etc) who are already sick from being kicked to the curb.
It's quite a simple thing to do, really.
There are two mandates for a properly designed pre-existing conditions clause:
(1) Deter rent seeking. You don't want people who are healthy to deliberately forgo buying insurance to save the premiums only to buy it after they get sick.
(2) Protect people who have coverage and for whatever reason lose coverage (job loss, job change, etc) who are already sick from being kicked to the curb.
It's quite a simple thing to do, really.
Posted on 10/19/18 at 8:54 pm to TheMailman
quote:
Pre existing
No you can not burn your house down then buy fire insurance. Damn!
Posted on 10/19/18 at 9:50 pm to Johnpettigrew
Many chronic conditions are auto-immune. I'm 45, and two years ago my immune system was triggered. There are so many of these illnesses. I'm thin, never smoked, and I exercised. Now, I take a medicine that would cost $5,000 per month if not insured. Without it, my spine would fuse and I would still be in horrible pain. Believe me, you know plenty of people with similar chronic conditions. Many illnesses are NOT preventable.
Posted on 10/19/18 at 9:59 pm to NYNolaguy1
I said most. My father in law died from environmentally caused cancer. My wife has also been a physician in the “charity” system for over 30 years and she will also agree with the self infliction. She is so out done with people who can’t make an effort to take their free meds to help keep their chronic illnesses under control or maybe not eat some sugar loaded dessert to help control their diabetes, she is about to leave the patient care business. Patients can make enough excuses for themselves without you doing it for them.
Posted on 10/19/18 at 10:10 pm to TheMailman
Insurance should be insurance, planning for unforseen circumstances. I have an idea-
1. HSA's must be provided by all employers. Employers don't have to contribute, but employees must. A minimum 5% of gross income (or more if elected) goes into it until it reaches $10,000 then employee can opt down to 1%. Employers can be allowed to contribute also, but aren't required to.
2. High deductible catastrophic insurance should be mandatory. Yes, forced insurance.
3. With 1 and 2 in force, there should be no problem with pre-existing conditions.
1. HSA's must be provided by all employers. Employers don't have to contribute, but employees must. A minimum 5% of gross income (or more if elected) goes into it until it reaches $10,000 then employee can opt down to 1%. Employers can be allowed to contribute also, but aren't required to.
2. High deductible catastrophic insurance should be mandatory. Yes, forced insurance.
3. With 1 and 2 in force, there should be no problem with pre-existing conditions.
Posted on 10/19/18 at 10:55 pm to I B Freeman
quote:
Medicare is about 50% of our healthcare and providers cannot charge anyone else LESS than they charge medicare
This is not true
Stick to tariffs
Posted on 10/19/18 at 10:56 pm to TheMailman
quote:
Is insurance that covers pre existing conditions really insurance ?
Nope, it's not. Insurance is to cover you IN CASE something happens.
Demanding someone pay for something that has already happened isn't insurance.
Posted on 10/19/18 at 11:51 pm to TheMailman
No.
Let's say I don't have collision insurance on my truck because it's paid off. I get drunk at the deer camp and go mud riding and t-bone a tree and trash my bumper, grill and hood. Can I go on Monday after I sober up and go put collision on it and expect the insurance company to pay to fix it?
No.
Let's say I don't have collision insurance on my truck because it's paid off. I get drunk at the deer camp and go mud riding and t-bone a tree and trash my bumper, grill and hood. Can I go on Monday after I sober up and go put collision on it and expect the insurance company to pay to fix it?
No.
Posted on 10/19/18 at 11:53 pm to TheMailman
quote:Nope.
Is insurance that covers pre existing conditions really insurance ?
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