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Q&A: After a hospital stay, can I buy insurance to cover my bills?
Santa Cruz Sentinel ^ | 03/20/2014 | Michelle Andrews

Posted on 03/23/2014 10:11:10 AM PDT by artichokegrower

Q. I am 63 years old and uninsured. I have not enrolled in Obamacare, mainly because of the website issues and security concerns. I have been waiting for all of this to shake out.

(Excerpt) Read more at santacruzsentinel.com ...


TOPICS: Culture/Society
KEYWORDS: democratcare; donkeycare; jackasscare
This year, however, because of technical glitches plaguing the rollout of the federal and some state health insurance exchanges, the Centers for Medicare & Medicaid Services gave states the option of allowing people who had difficulties enrolling to qualify for subsidized exchange coverage retroactively to Jan. 1 or the day in 2014 of their original application. In states where the federal government runs the exchange there is also a procedure in place for retroactive coverage.


Retroactive health insurance. Wonder if it will work with car insurance?

1 posted on 03/23/2014 10:11:10 AM PDT by artichokegrower
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To: artichokegrower

Originally, “insurance” was based on the probability that something would happen. It now means getting subsidies for things that will happen. So, you can wait until you’re diagnosed with cancer. But your payment may be as much as getting it treated without “insurance.”


2 posted on 03/23/2014 10:14:04 AM PDT by Gen.Blather
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To: artichokegrower

I always disclose my plans to commit insurance fraud on the internet. Santa Cruz sentinal says it all. Go down to cliff drive... and jump.


3 posted on 03/23/2014 10:20:00 AM PDT by SpaceBar
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To: artichokegrower

“Hello, Farmers? My house just burned down. Can you quote me some insurance please?”


4 posted on 03/23/2014 10:22:52 AM PDT by ProtectOurFreedom
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To: artichokegrower

“After a hospital stay, can I buy insurance to cover my bills?”

*sigh*

I mean reeeeeeeaaaaaaallllly?


5 posted on 03/23/2014 10:24:59 AM PDT by VanDeKoik
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To: artichokegrower

Doesn’t surprise me that the person asking that lives in the Santa Cruz area. He/she/it is probably an old hippie living the surf boarding life and barely paying for anything.


6 posted on 03/23/2014 10:27:21 AM PDT by Grampa Dave ( Herr Obama cannot divert resources from his war on Americans!)
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To: Grampa Dave

Some greying ponytail trolling on how to legally commit insurance fraud.


7 posted on 03/23/2014 10:45:45 AM PDT by SpaceBar
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To: artichokegrower

Next is ObamaLife insurance. Insurance companies will not be able to deny you on the basis of “preexisting conditions”, so your family will be able to buy life insurance on you after you’re dead.


8 posted on 03/23/2014 10:45:59 AM PDT by AZLiberty (No tag today.)
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To: artichokegrower

How far would you get if you tried this after your house burned down?


9 posted on 03/23/2014 10:52:43 AM PDT by randita
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To: artichokegrower

Security concerns? Really?

You didn’t want to spend the money. That is the real reason. Then you got sick.

I feel for you as a fellow human being. But no, you do not deserve a nickel of insurance that others have paid into.

That’s life.n it’s full of crappy choices. And you made the crappiest.


10 posted on 03/23/2014 11:02:26 AM PDT by Vermont Lt (If you want to keep your dignity, you can keep it. Period........ Just kidding, you can't keep it.)
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To: artichokegrower
Q&A: After a hospital stay, can I buy insurance to cover my bills?

Obama and his administration may be stupid. Insurance companies are not. The answer to that question is a big, fat "no".

11 posted on 03/23/2014 11:05:24 AM PDT by DoodleDawg
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To: SpaceBar

Thanks for the best BOL of the day:

“Some greying ponytail trolling on how to legally commit insurance fraud.”


12 posted on 03/23/2014 11:06:15 AM PDT by Grampa Dave ( Herr Obama cannot divert resources from his war on Americans!)
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To: artichokegrower
After a hospital stay, can I buy insurance to cover my bills?

Yes, but it will only cover about 30% of the total bill. Even more likely is that it won't provide coverage AT ALL for YOUR type of procedure and the MEDICINES you got.

Now, if you have a sex change, then you're good.

13 posted on 03/23/2014 11:06:22 AM PDT by UCANSEE2 (Lost my tagline on Flight MH370. Sorry for the inconvenience.)
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To: VanDeKoik
I mean reeeeeeeaaaaaaallllly?

YES really. And it's not a silly question.

YES, you can do this, in certain cases. Insurance companies can be required to provide insurance retroactively under the new ACA laws( or ZEROCARE, as I call it).

14 posted on 03/23/2014 11:10:12 AM PDT by UCANSEE2 (Lost my tagline on Flight MH370. Sorry for the inconvenience.)
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To: AZLiberty

“Next is ObamaLife insurance. Insurance companies will not be able to deny you on the basis of “preexisting conditions”, so your family will be able to buy life insurance on you after you’re dead.”

Those eligible for post dcing insurance will be the families/partners of: gays, illegal aliens, and so called people of color.

The rest of us will have to pay a special tax for the known dead because we were the lucky ones in life.


15 posted on 03/23/2014 11:10:33 AM PDT by Grampa Dave ( Herr Obama cannot divert resources from his war on Americans!)
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To: artichokegrower

Millions of potential customers and no competition in the retroactive insurance business.

Sounds like something Joe Biden would recommend.


16 posted on 03/23/2014 11:12:31 AM PDT by Kirkwood (Zombie Hunter)
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To: AZLiberty
Insurance companies will not be able to deny you on the basis of “preexisting conditions”, so your family will be able to buy life insurance on you after you’re dead.

Gosh, everyone keeps missing the point.

Sure, you can no longer be denied PURCHASING insurance on the basis of "pre-existing conditions". However, those "conditions" may be excluded for "coverage", and most certainly are not covered for 6 months AFTER you start paying for insurance.

Remember the ACA is about BUYING INSURANCE. Not about providing health care.

17 posted on 03/23/2014 11:14:22 AM PDT by UCANSEE2 (Lost my tagline on Flight MH370. Sorry for the inconvenience.)
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To: artichokegrower

If one is a Democrat voter and Obama campaign contributor, probably.


18 posted on 03/23/2014 11:14:48 AM PDT by Dalberg-Acton
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To: artichokegrower

Just declare that you no speak English and you will get it free


19 posted on 03/23/2014 11:26:10 AM PDT by notaliberal (St. Michael the Archangel, defend us in battle,)
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To: artichokegrower

Just declare that you no speak English and you will get it free


20 posted on 03/23/2014 11:26:10 AM PDT by notaliberal (St. Michael the Archangel, defend us in battle,)
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To: UCANSEE2

Of course you are correct— as if that matters. We are talking about the expectations of liberals. They HAVE to be covered. It doesn’t matter when or even IF they bought insurance. They MUST be covered for free, no matter who else must pay for it.


21 posted on 03/23/2014 11:30:56 AM PDT by NCLaw441
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To: Grampa Dave

Believe it. Great surf coast as I head there once in awhile. Think San Fran without the in-your-face lib/fag propaganda but the locals are ready to pounce on you if they find out you’re not a libtard like they are..


22 posted on 03/23/2014 11:36:12 AM PDT by max americana (fired liberals in our company last election, and I laughed while they cried (true story))
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To: artichokegrower
...option of allowing people who had difficulties enrolling to qualify for subsidized exchange coverage retroactively to Jan. 1 or...

Perhaps I'm wrong, but the minefield there is that most people don't realize that if they buy into "subsidized" coverage, they are, in effect, signing over a reverse mortgage in favor of the government, on anything of value that they own.

23 posted on 03/23/2014 11:37:58 AM PDT by publius911 ( At least Nixon had the good g race to resign!)
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To: artichokegrower

Sir, I am ever so sorry I hit your car. It does look like your daughter’s arm is broken. And that Ferrari looks totaled. I’ll take care of everything. Let me call and get some car insurance, hold on.


24 posted on 03/23/2014 11:41:19 AM PDT by Yaelle
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To: artichokegrower
The moment that Obama, Pelosi, Reid et al began crowing about the fact that Insurance companies would be compelled to cover pre-existing conditions, the whole plan ceased being "insurance."

Once explained in small, non-legalese words, even children can understand the concept of real

25 posted on 03/23/2014 11:42:01 AM PDT by publius911 ( At least Nixon had the good g race to resign!)
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To: Gen.Blather

You can be enrolled and still not be covered as many are finding out!


26 posted on 03/23/2014 11:44:28 AM PDT by minnesota_bound
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To: artichokegrower

How can we exist in a world where people don’t have enough to eat? If someone is out of funds for food, which is more important than health care (which would you rather have on your deserted island, a fully stocked whole foods or a surgeon?), people who didn’t plan ahead for buying clothing should be able to walk into macys, walk out with what they need, and then call up Obama and get some clothing insurance to cover it.

Paid for by Obama’s STASH. Stolen Trillions from American Stupid Hardwork.


27 posted on 03/23/2014 11:45:14 AM PDT by Yaelle
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To: Kirkwood

They make it up in volume.


28 posted on 03/23/2014 11:47:56 AM PDT by pluvmantelo (Sure would be nice if the same articles weren't posted multiple times)
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To: minnesota_bound

“You can be enrolled and still not be covered as many are finding out!”

Only two types of medicine have gotten progressively cheaper and better since their introduction; Lasik surgery and cosmetic surgery. This is because they are not covered by “insurance.” They are instead market driven.

The third party payer system came about because of World War 2 wage and price controls. Companies said, “We can only pay you x amount of pay, but we’ll also cover your doctor’s visits, pregnancies and drugs.” (That’s because the wage and price board didn’t think about that loophole when they wrote the rules.) Because those “benefits” were popular and dirt cheap and non-taxable income they remained long after the reason for them was gone.

What we need to do is totally illuminate all third party pay arrangements. The cost of medicine would drop dramatically. The word “insurance” would return to its original meaning.


29 posted on 03/23/2014 11:51:56 AM PDT by Gen.Blather
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To: artichokegrower

I would like to have hurricane and homeowners insurance that’s retroactive too...


30 posted on 03/23/2014 11:55:02 AM PDT by GOPJ (NASA: N othing A bout S pace A nymore - - FreperClearCase_guy)
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To: UCANSEE2

and I can hear him pimping it now “if you like your medical bills you can keep your medical bills”


31 posted on 03/23/2014 12:00:46 PM PDT by mouse1
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To: artichokegrower

It depends. Are you an undocumented immigrant?


32 posted on 03/23/2014 12:00:50 PM PDT by ViLaLuz (2 Chronicles 7:14)
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To: Gen.Blather
Originally, “insurance” was based on the probability that something would happen. It now means getting subsidies for things that will happen.

This guy wants to treat insurance like a loan. Get it after I need it, with a lump sum payment right now in exchange for smaller repayments over a period of years.

While this guy might have been able to get insurance before his illness, what kind of a loan could he get at age 63 with health issues?

Obamacare coverage is the new sub-prime mortgage loan.

-PJ

33 posted on 03/23/2014 12:08:14 PM PDT by Political Junkie Too (If you are the Posterity of We the People, then you are a Natural Born Citizen.)
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To: SpaceBar
Some greying ponytail trolling on how to legally commit insurance fraud.

Go to your local Acorn office to find out.

34 posted on 03/23/2014 12:11:12 PM PDT by Albion Wilde ("The commenters are plenty but the thinkers are few." -- Walid Shoebat)
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To: DoodleDawg
I think he will get the after the fact coverage. The standard in the ‘hardship’ case for avoiding the tax penalty for not signing up for coverage is an affidavit; not evidence, but a sworn statement. I think the same standard will be applied in these cases. Obamacare is not insurance, it is government sponsored health care. You cannot compel companies to pay for existing conditions and call it insurance. They are simply paying bills.
35 posted on 03/23/2014 12:55:10 PM PDT by Old North State
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To: SpaceBar

It’s not fraud anymore. Obamacare covers preexisting conditions. Let the good times roll. And Sandra Fluck gets free birth control


36 posted on 03/23/2014 1:34:58 PM PDT by Organic Panic
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To: max americana

BOL!

As conservative as you are, I’m surprised that you haven’t been arrested for being a subversive conservative by the left wing gestapo in control of Santa Cruz and being treated in a psych hospital for evil conservatives.


37 posted on 03/24/2014 7:48:30 AM PDT by Grampa Dave ( Herr Obama cannot divert resources from his war on Americans!)
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To: Grampa Dave

Nah dude, I;m rightwing and past conservative at this point. har


38 posted on 03/24/2014 9:51:14 PM PDT by max americana (fired liberals in our company last election, and I laughed while they cried (true story))
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