There is a heck of a lot of people who don't have $5000 readily at their disposal. Those folks who think $5000 is NBD most likely have other insurance otherwise for a lot of people, that is a lot of money. If you are very indigent, you have other options. I think it targets a niche.

Does you policy cap out at a low level?

Geez Lois

Why are Republicans usually wrong like the thread title says

This is from the application for the health insurance you say is "No questions asked"


FYI a HIPAA-eligible person is

A “HIPAA Eligible Individual” is defined as someone who:
1. Has had 18 months of prior creditable coverage (including group health plans, qualifying health insurance coverage, Medicare,
Medicaid, CHAMPUS or other publicly sponsored program);
2. Was most recently coverage under an employer group health plan, governmental plan or church plan;
3. Has elected and exhausted COBRA or similar state continuation of benefits coverage, if it was available;
4. Is not eligible for any other group coverage, Medicare or Medicaid;
5. Does not have other health insurance;
6. Has had no more than a 63 day break in coverage, unless waiting for a period of time to expire before group coverage was effective; and
7. Has not had previous coverage terminated for fraud or non-payment of premium

I understand that by applying for this policy and signing below,
I, in connection with the administration of, or delivery or receipt of benefits,
under the policy, (1) authorize any insurer, organization and health care service
provider to release to Blue Cross of Northeastern Pennsylvania all personal
health information including information relating to past, present and future
health care examinations, treatments and diagnoses

Like I said, I did not investigate it in detail. I was considering once as an alternative to COBRA but decided to bite the bullet and take the COBRA anyway

You don't have to lecture me about nationalized health care because I am in favor of it, remember? I want to see it happen. I just don't think Obama's ideas doe the trick.

I am simply trying to point out to you that lots of times people sell off to pay very ordinary bills such as health care premiums and not necessarily to buy caviar for their cats. What is next? I hear they are looking at the home mortgage interest and a few other "fat cat" benefits to cut out.

Other people want to spend OUR money like it was nothing.