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Gobee
Trad climber
Los Angeles
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If you're going to get insurance, you do it before you get "pre existing conditions"
But If your healed 100%, They still will call that "pre existing conditions" so your still...out of luck
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Chaz
Trad climber
greater Boss Angeles area
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Forget insurance, if you think they are all corrupt profiteers.
You are free to tell Big Insurance to take a hike, and pay for your medical care out of your own pocket, if you think it's a better deal.
But you'll have a hard time selling folks on the idea that other people should be the ones paying for your medical problems.
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apogee
climber
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"You are free to tell Big Insurance to take a hike, and pay for your medical care out of your own pocket, if you think it's a better deal."
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John Moosie
climber
Beautiful California
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Chaz wrote,
"If you're going to get insurance, you do it before you get "pre existing conditions".
That's the whole idea behind insurance, betting on the future.
You can still get *healthcare* with pre-existing conditions, you may have to pay for it yourself but you can still get it."
.............
Some people have insurance and then get sick and can't work and thus lose their insurance. They can be sick long enough that their cobra runs out and then they lose their insurance. Once they go back to work, their pre existing condition keeps them from getting insurance unless they go to work for some major corporation that has insurance that requires coverage of pre existing condtions. Yet their pre existing condition can keep them from get a corporate job. If they do find an insurance that will cover them, it usually precludes anything to do with the pre existing condition, which can be very broad, and it is often very expensive. This affectively shuts many people out of getting insurance, or if they have it, it is only for accidents and such.
Did you track that?
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bluering
Trad climber
Santa Clara, Ca.
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apogee, it seems like you and some others here are the ones showing their ignorance by failing to answer simple questions when posed.
Did you answer TGT's questions? No.
And when I point out the error in your points, you change the topic. Typical.
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John Moosie
climber
Beautiful California
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"But you'll have a hard time selling folks on the idea that other people should be the ones paying for your medical problems."
Have you heard of shared risk? That is what insurance is. People have fire insurance because they can afford to pay a small amount each year to protect themselves for a disaster such as their house burning down. Yet that small amount does not cover how much their house cost to replace. That is because their neighbors and friends are chipping in by buying fire insurance. This is shared risk.
So yes, when someone buys health insurance, if they don't get sick, then they are affectively paying for someone else's health problems.
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Gobee
Trad climber
Los Angeles
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Right now I have a HMO and if you need to see a specialist, they will set up an appointment, up to a month. Then the specialist won't do anything for you, but will make a recommendation back to the HMO. Than they will decided if they are going to do anything? Big run a round!
Also I know a lawyer who works for a hospital and makes 400k, just to make good for the hospital. Most Dr's want to help people but they want to make BIG $'s, and so does the hospital.
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WBraun
climber
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And meanwhile I get fined $3,800 for failing to buy health insurance ......
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John Moosie
climber
Beautiful California
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And you will go to jail if you don't have auto insurance.
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Chaz
Trad climber
greater Boss Angeles area
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If you don't pay the fine Werner, you go to The Joint.
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WBraun
climber
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I'm already in the joint, nothing new .....
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Gobee
Trad climber
Los Angeles
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That's a lot of can's?
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Bamm_Bamm
Social climber
Out in the Wilderness looking for Dr. F
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It seems to me:
If Obama (or any politician for that matter) can tell Insurance companies what products they can sell and what price they can sell them at you can hardly blame insurance companies for selling these products and doing with the money as they see fit.
Also, this has always confused me.
Who in their right mind still thinks that our Federal Government is to blame for the lack of competition in the Health Insurance industry? Or rather, should I say who still thinks Obama is the savior for this particular health insurance competition crisis?
Hmm.. I guess its one of those. Or maybe neither.
The blatant flaw hear is that the last time I checked the real blame and or fix lies solely with State Insurance Commissioners. You can ask the Federal Government for some relief, that would make some sense. But, if you are going to use the existing absurd conditions going on in this industry to make your point you need to realize these State Governments and their Insurance Commissioners are most likely Democrats.
Even better, who still thinks the answer for increased competition is not asking for relief from these out of control state agencies but rather for Barrack Obama to implement a brand new handy dandy federal health insurance plan?
Only the Federal Government could come up with this.
It does make one wonder though if Barrack Obama will have to live by the same set of rules that are currently enforced by these state agencies or if he will be making a few changes.
For example: How much you want to bet Pres. Obama sells his insurance across state lines. How much you want to bet he does so because the pool is larger that way and he can offer more services for less money than can be done under the current arrangements. (Arrangements made by state level Democrats.)
Unfortunately, there is a hitch in his plans. He said he wants to compete in an open and honest way with private insurance companies. What a crock.
He has said himself and many have parroted it, "All health insurance plans must include preexisting conditions."
This is an absurd requirement. It is nothing short of a ruse.
There is no way Obama can compete fairly with private insurance companies under these conditions unless he can set the terms of how business is to be done and then enforce those terms at the point of a gun barrel.
I guess this is what goes for "Competition" in this new age of "Obama"
Its like saying sll food stores must now sell complete meals (hors d'oeuvres and dessert required) because the Government Store has decided that it wants to sell food this way. No more of these, "But my family doesn't want all that food" excuses." Because we Democrats don't care how poor you are. You are gong to pay more and like it. We Democrats don't care how fat you are. You are going to buy this food and consume it.
So, you can be sure you health insurance and my health insurance costs are going up. And, if you have health insurance through your employer you can bet your bottom dollar you will lose it within a few years.
Only the Government would enter the business world claiming to be only competing and then go on to mandate how all other businesses will act.
It is an absurd thought and is no type of competition I have ever seen.
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Gobee
Trad climber
Los Angeles
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Like Russ said, look at the gas stations how they raise the price of gas at every holiday.
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jstan
climber
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Chaz:
"You are free to tell Big Insurance to take a hike, and pay for your medical care out of your own pocket, if you think it's a better deal. "
Chaz, you know don't you that you, and I mean you, can go into the hospital and come out with a bill for $1,000,000? The system is totally bonkers. Since you have a job right now that is not a biggie. Because the insurance company is able to tell the hospital where they can put their bill.
YOU CAN'T.
Are you prepared to self-insure for a million dollars?
If the medical system were not bonkers a lot more people who could self insure would do so.
As long as the market is bonkers WE ARE CAPTIVES.
So you like being a captive.
OK. I got that.
I think it fits.
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Gobee
Trad climber
Los Angeles
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Tuff call?
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apogee
climber
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Lois! Where the hell have you been? Your long-winded schpiels sound absolutely brilliant next to the endless stream of schlock coming out of the minds of these Repug idjuts....
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Bamm_Bamm
Social climber
Out in the Wilderness looking for Dr. F
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Howard Dean is an embarrasement.
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