How about an overview on how the Seniors are going be the pot of gold that will pay for this plan or am I wrong here?
Basically your insurance coverage ends every year.
Under Obamacare your plan may not be offered the following year and or your insurance carrier may not be offering any plans in your area the following year.
So, when your existing coverage ends (as it does every year), a new plan and/or company may be compelled to take you on board regardless of pre-existing conditions, but they may charge much higher premiums.
This is as it was before Obamacare as well. Insurance companies changed their plan offerings from year to year ... and sometimes left a market altogether, leaving people (or their employer) to find a new carrier with similar plans and similar prices. Sometimes the changes were small but other times they were profoundly different in coverage and/or price.
I did not see this addressed in the article.
posted link not working.
maybe cached link will work for a while:
The article seems to imply that preexisting conditions are due to careless behavior. In many cases, preexisting conditions are just a bad genetic draw and the victim could have done nothing to prevent it. How many people are going to be shuffled off into these high-risk insurance pools with unaffordable premiums so that a bunch of people can save a few bucks a month on their medical insurance? Preexisting conditions coverage was about the only good thing of Obamacare. Don’t throw the baby out with the bathwater.
What services did taking away Medicare dollars do to seniors and what will putting dollars back do pursuant to law?
Medicare kicks in at 65, so there aren’t many “seniors” to pay anything but the Medicare costs, which, by the way are rising every year.
However, there is no such thing as a free lunch.People over 65 use the healthcare system more than any other group, so they will have to pay more as their costs mount. A healthy 25 year old should pay cheap premiums because they don’t have many visits to the doctor every year. Hopefully, younger people today will not smoke, become obese, or have other unhealthy habits that now plague our older generation.
A lot of ado about nothing at this point in time. The Senate still has to come out with their version and then on to the conference committee. I suspect more changes before there is a final bill.
The changes would affect people who “...allow their current insurance to expire and do not secure new coverage within 63 days...”
People who had coverage thru thair employer, who then lose their job, will have a couple months to get new insurance, either individual or through a new employer.
Actually, before Obamacare, celiac disease (the gluten problem) was a routine basis for exclusion.
So they are going back to the old PCIP plans. AZ had that, and I was trying to get into it until Obastardcare caused them to scrap the plans.
Now for you on here claiming that it is a scam. I was without insurance, I was DENIED health insurance through a common provider because of my condition. Out and out denied because of my health-and NONE of it was because of life style. I have heart problems as a result of lung problems I have had since 3 years old. Also back problems which no longer bother me. So I went to the PCIP plans since that was the way you were to do it. Then came Obastardcare.
Now, since the wife and I are in the grey area of the income level, we could not afford Obastardcare and have been without any since the POS was passed. My premiums under Obastardcare would are 1070 per month for just myself. And with a income of just over 40 grand a year..to hell with it.
When I was about to sign up for the PCIP plan, I had the quote of 134 bucks per month for a 1400 dollar deductable up to 15 grand and 100% after that. It would have been a good plan but like I said.
I got one year to go for medicare. To hell with all of it now since I havent got that much time and will get on medicare and get a supplement along with that.
Insuring pre existing conditions makes as much sense as buying a life insurance policy for a dead person and expecting it to pay out
Great post.
And if your state chooses not to establish a high risk pool?
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Great post, thank you.
Who has a problem with that?
Was this information passed out to our wonderful, honest and non-partisan Press so they could inform the Public?
Did the Republicans hold a News Conference sharing this information point by point to refute the Propaganda being spewed by the Democrat Party?
Just askin’...
Bookmark
First, this guy's a broker. He sells a PRODUCT and he has to MARKET his product. Using language like "robbing Peter to pay Paul" leads one to believe that by tossing anyone with a pre-existing condition out of the so-called "healthy" pools will dramatically reduce premiums for those healthy folks.
It won't.
I know two actuarial accountants and a number of health care administrators at Blue Cross/Blue Shield of Illinois and also HCSC (Health Care Services Corporation) the holding company for Blue Cross/Blue Shield.
Here's what they all tell me: Pre-Existing conditions aren't an issue for BC/BS.
Why?
Let's assume that the "4% of American's have pre-existing conditions" argument is true.
That means 96% of American's covered by private insurance are "suffering" some form of financial penalty for those that have a pre-existing condition today.
Also not true.
According to the folks I talk to who do the accounting for and manage healthcare plans pre-existing conditions affect premiums for everyone else by pennies to a few bucks per month per policy holder.
What really affects the cost of health care?
Uninsured. No surprise. Those who have no coverage and show up in emergency rooms - the most expensive place to receive health care.
Government regulation. Again, no surprise.
Defensive medicine. Really? Who'd have thunk it! Doctors who have to order every test under the sun to avoid a lawsuit.
Litigation. Here's a shocker, people sue for everything these days! (Article here on FR with a woman in Massachusetts suing Trump for loss of happiness...)
Malpractice Insurance. As a result of all the litigation, malpractice insurance experiences double-digit increases every year for almost every doctor in the country.
And then finally what no one seems to talk about: insurance write-downs which cause doctors, hospitals, etc.. to come back after you and I for the "uncovered" items healthcare insurance mysteriously doesn't pay for.
Are the "chronically ill" or those with pre-existing conditions really the ones driving up the premiums for the "healthy" folks?
Nope. They're not. And when those of you who are complaining the loudest don't see the YUUUUGE drops in your monthly premiums under TrumpCare you're being led to believe are there when everyone who has a pre-existing condition is kicked out of your insurance pool I have just three words for ya:
Told ya so.
Mark this post. It'll be true should TrumpCare ever come to pass.
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