Pre-existing conditions is a straw-man argument because current law forbids insurance companies from denying coverage after one year of the condition treatment.
Increased competition will help fill in the gaps. Just like auto insurance, there are policies for high risk drivers. Yes, they may have to pay more, but whenever there is a service gap, someone will fill it.
“Pre-existing conditions is a straw-man argument because current law forbids insurance companies from denying coverage after one year of the condition treatment.”
What law? Insurance laws are regulated by state, is this the same in all states? Furthermore, one year is a long time when diagnosed with diabetes or cancer.
“Pre-existing conditions is a straw-man argument because current law forbids insurance companies from denying coverage after one year of the condition treatment.”
Oh, they’ll cover you, alright. But you will pay. I called the Texas COBRA office a year ago to ask about a 25 year old male with my son’s conditions. They gave me a quote of $3,000 a MONTH.
What average American can afford *that*??
Will employers hesitate to hire him because he’s going to be so expensive??
I’m terrified for this kid’s future and I have no idea how to help or advise him.
“Pre-existing conditions is a straw-man argument because current law forbids insurance companies from denying coverage after one year of the condition treatment.”
Really? We changed insurance companies almost two years ago and they put a rider in that they would not cover my ankle which I had broken 3 years prior. I didn’t have a problem with that but I did ask them a couple of questions about this exclusion. What if I was in an accident and something happened to this ankle? I still would not be covered! We had to change because our other Health insurance had jacked our premiums up so much that we couldn’t afford it anymore. AND we have very high deductible HSA policy. Even they are expensive now! I still don’t want Obama care though!!!