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How Can Insurance Companies Include Preexisting Conditions Without A Health Care Mandate?

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How Can Insurance Companies Include Preexisting Conditions Without A Health Care Mandate?

Postby RichardGere » Wed Sep 27, 2017 1:59 pm

If there's no mandate, and insurance companies are forced to give me affordable health care regardless of preexisting conditions, that means I only have to get health insurance when I come down with cancer.
I hear many Republicans stating that they are all for barring insurance companies from excluding those with preexisting conditions, but none of them explain how you can do so without a national mandate to buy health insurance like we have with auto insurance.
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How Can Insurance Companies Include Preexisting Conditions Without A Health Care Mandate?

Postby Acel » Wed Sep 27, 2017 7:20 pm

Well, if there were no insurance companies or government coverage at all, sick people who showed up at a hospital would either have to find some way to pay the bill or not get treatment.
Perhaps they would take out a loan if they didn't have that kind of money handy.
Why can't we do that?

I'm not necessarily talking about involving banks.
But what's unfair about an insurance company requiring a person with a pre-existing condition to sign a contract to remain a customer or pay them back? That wouldn't be too different from cellphone companies forcing you to stay with them after they give you a free headset.

That way you have a choice.
Cover yourself beforehand and you're free to leave whenever you want.
Cover yourself afterward and you're obligated to make up the difference.
Everyone wins!
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How Can Insurance Companies Include Preexisting Conditions Without A Health Care Mandate?

Postby gavriel71 » Thu Sep 28, 2017 3:19 pm

That's what Obama said today to the Republicans at their retreat (Kind of funny that they even need one at all given the hard work they've put in this year! )

They said they have ideas. It's been a year and so far they at the stage of ideas. I do not think that they have an ability to solve issues. They are so good at having ideas though, aren't they?

The point is that this all about words that can score points. There is no way to govern without strict regulatory mandates, other than jailing all the corporate lawyers indefinitely.
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How Can Insurance Companies Include Preexisting Conditions Without A Health Care Mandate?

Postby Marsten » Thu Sep 28, 2017 8:45 pm

Expand Medicare and Medicaid to include everyone would solve the problem. Permit those who wish to have private insurance.
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How Can Insurance Companies Include Preexisting Conditions Without A Health Care Mandate?

Postby Lorence » Fri Sep 29, 2017 12:18 am

What they do is limit benefits related to the existing condition for the first year of coverage.

I've never supported any action to prevent insurance companies from protecting themselves from the financial ravages of having to immediately cover pre-existing conditions in full. That would kill insurance companies, which would not be a good thing at all.

Of course, better than a mandate would be free-market solutions to the problem, so that there could be interstate competition for insurance, giving people more choice and the benefit of lower costs due to more competition between insureres. Throw in tax credits for individuals at the same level that companies get for offering health care as a benefit, and you have created a condition where people can own their own insurance policies, and which will be portable for them, so they do not keep having to worry about it when they change employment.

And, as ever, there is nothing in the Constitution that gives the federal government any authority to have any control or direct any resources to health care or health insurance.
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How Can Insurance Companies Include Preexisting Conditions Without A Health Care Mandate?

Postby Ace » Fri Sep 29, 2017 1:54 am

I have been looking into this topic quite a bit lately. I am recently out of work, my company closed and even the COBRA plan is being eliminated so I can't buy COBRA anymore. With that, I thought the company or whomever was taking it over was breaking some sort of law and they had to let me have COBRA anyway. Was I wrong? Yes.

In my search for answers, I found many different websites that gave me info and many of them I received calls from a variety of insurance agents trying to sell me some insurance. In a nutshell I found out the following;

If someone want to ensure (make sure, not protect) they have insurance options, they need to get insurance when they are healthy. Someone on this post said it perfectly, "How can an insurance company insure a house when it is already on fire?" We all know the answer. So, people need to get there own insurance before they get sick.

If there is a mandate that everyone gets insurance, affordable needs to be relative. This means that the insurance company needs to be able to charge a sufficient premium over the entire group of people in the carriers portfolio, to ensure adequate funds are available to pay the claims. This means that people that are sick need to pay more for their insurance, or participate more in their health care expenses.

Otherwise we will have healthy people paying way too much for their health insurance.

Everyone needs to make sure their representatives and senators know this is how they feel.

You see, health insurance is not rocket science. It is, simply put, a company collecting from a bunch to cover the expenses of a few. The healthy people pay a little, but need even less, the sick people pay more, and typically need more than they contribute. But in the end, it all needs to balance out. The healthy people get to pay less than the sick, but a little more in premiums than what they will need for there health costs so that when (not if, but when) something big happens, they have the ability to pay.

Someone in this post said we need medicare to be expanded to cover everyone. Well, I for one do not like that idea. Every year we see our Medicare benefits in jeopardy. We know the medicare system does not work already. My father has medicare. Basically most of those on medicare are sick, or will be soon. It is expensive to treat the typical medicare recipient. Can we really burden this plan anymore than it is already? There are not any simple answers to that question, but certainly not a blanket one of "lets expand medicare!"

There is a website that has a lot if videos that I think helped me understand how health insurance works. This is not the only one. It just happens to be pretty easy to understand. And I did not have to sign in or give my name or phone number so that I get a bunch of calls from insurance people. (I did get a quote and put a bogus name and e-mail address, I got the quote and no-one called me.)

www.insurancequotesandmore.com.
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How Can Insurance Companies Include Preexisting Conditions Without A Health Care Mandate?

Postby Viktor » Sun Oct 01, 2017 2:36 pm

how "can" they? they can do whatever they want.

You should be asking why WOULD they.

There is no good reasons for an insurance company to insure a house that is already on fire.

A mandate would be required for any sane business person to do that.

And people that plan to get insurance AFTER they get sick, are the reason our healthcare system is broke. Not enough healthy people paying in to cover the people that are sick, so the premiums for those of us that purchase healthcare insurance are high. because the people without get sick anyway and then leach off the hospital and the hospitals have to pass their losses on to the insurance companies, who pass the costs on to us.

By the way....I haven't heard any Republican on here saying they support preventing insurance companies from denying pre-existing conditions. I mean seriously, if you expect the insurance companies to accept them, they are either forced to instantly take a loss (which make NO business sense at all, and they ARE businesses), or make the premiums so high that the sick person is effectively paying the full hospital bill anyway, or to jack up the rest of our premiums a bunch even though we were responsible.
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How Can Insurance Companies Include Preexisting Conditions Without A Health Care Mandate?

Postby Culbert » Sun Oct 01, 2017 11:57 pm

If there's no mandate, and insurance companies are forced to give me affordable health care regardless of preexisting conditions, that means I only have to get health insurance when I come down with cancer.
I hear many Republicans stating that they are all for barring insurance companies from excluding those with preexisting conditions, but none of them explain how you can do so without a national mandate to buy health insurance like we have with auto insurance.
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How Can Insurance Companies Include Preexisting Conditions Without A Health Care Mandate?

Postby Dalbert » Mon Oct 02, 2017 9:48 am

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How Can Insurance Companies Include Preexisting Conditions Without A Health Care Mandate?

Postby Lawe » Fri Oct 06, 2017 4:00 am

No. There are some bigots, as you mentioned, but race does not drive all the opposition to Obama. I know it's a difficult concept for a lot of liberals to grasp but character, judgment, and common sense, more than race, is what it is really all about. Obama thought he could sell Chicago to the IOC based on his personality alone (wrong); the cost of conducting terrorist trials in NYC is prohibitive and the people of NYC do not want the media circus and the lingering threat of additional terrorist activity that would surround the trials (Gitmo is the perfect place for the terrorist and the trials but not if your ego gets in the way); Sotomayor made racist statements and that tends to weaken the credibility of a person who has to make judicial decisions base on law, not on race or gender; The stimulus bill spending had a lot of pork in it, too many pet projects for too many politicians; the government should not stop stem cell research but neither should they fund it unless they get a return on the investment; haven't heard too much opposition to this Afghan war policy -- it's pretty much the same one that Bush had. As you can see from my response, race was not mentioned once. It's a lame argument used by people who do not have a reasonable counter argument to offer.
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