They are not sob stories. Trying getting insurance when you have a preexisting condition. People work hard, pay lots of taxes. You think everyone is a dead beat...until you find yourself in their situation and then you will be crying like a baby.
My daughter has a preexisting condition. Its a life threatening genetic disorder. She was born with it and will always have it. So far, she’s been very healthy, but it is always lurking. We can’t get life insurance for her, but have decent medical insurance. I don’t know what will happen when she has to get her own insurance. Her condition may make working difficult for her. Still, she doesn’t qualify for SSI, or any other financial medical aid.
This is a real problem for people and in many cases, they can’t work to pay for insurance themselves. So, what happens to these people? I feel like there really needs to be some sort of program for the people who can’t get insurance or work to afford their much higher premiums.
Well you can't...you're not insurable, at least not for that condition.
Health insurance is for people with good health that might get sick.
Try the high risk pool, or a different state, or get a job that has group coverage, or a Christian health sharing group, or go fund me. Maybe there's an organization that represents and helps people with the same illness.
There are countless ways to accommodate those with preexisting and high risk health situations. Government is not the answer to this nor can it afford it ever. Quite the contrary, government is the problem. This is what happens when our side now begins to own Obamacare and POS left re-brand it Trumpcare.
That is why it is called a tragedy.
People have this idea that health insurance companies will not take you unless you are under 35 and in the peak of health. That is, or rather was, incorrect.
If you have continual insurance coverage from the time the condition started it should not be a problem.
Even if you did not you can get insurance that will cover everything but that one condition.
Usually they will start picking up the tab for the PEC after a year or two.
So if you buy health insurance a week before you are due then, no, it will not cover it. But it probably will cover your next child.
And it will cover if you fall down and break a leg.
Yup, wait until their child is born with a heart defect, Marian’s or the like, and they’re denied coverage for their child, they won’t let her die, they’ll do whatever it takes to fix her...
I struggled for years to get ANYONE to sell me health insurance, no go...they wanted me to die, clean the gene pool.
Thank God I have insurance now, but if my state opts out, and I’m denied again, I’ll be in a world of jury, as will many others, through no fault of our own, other than our genes.
Ed
I see a difference.
We don't want people with existing conditions to be uninsurable, but we want it to be insurance...if someone only signs up for "insurance" when they have a need, then that's not "insurance." Employer provided health insurance is regulated by federal law. If you change jobs, pre existing conditions are not an issue.
I would be willing to concede that, for continuous coverage, pre-existing conditions should be covered.
If there is a gap, pre existing conditions should NOT be covered.
Fair enough?