Budget Office: Obama's Health Law Reduces Deficit

[dbair1967]

What about people who have jobs and who are denied coverage? What advice would you give them?

please show an example of someone who has a job, has employer sponsored insurance and is denied coverage

 

[dbair1967]

Denied for pre-existing conditions. The insurance company can tell you they don't want to cover you.....and they do to some people.

Why do you think that the bill blocks companies from turning people down because of pre-existing conditions?

I've never seen this site before but a quick google search brought them up.

http://www.familiesusa.org/resources/publications/reports/health-reform/worry-no-more.html

Here's another.

http://www.mlive.com/news/index.ssf/2012/07/health_care_reform_advocates_h.html

Why do you think you have to provide a medical history when applying for insurance? Shit and giggles? The company can flat out tell you to go fuck yourself.

I work in the healthcare field and what you are saying isnt really true. Some insurance companies enforce pre-ex clauses for certain plans, but alot of states have carriers that dont enforce pre-ex clauses on any type of plan if the person tries to obtain care via an in-network provider.

Pre-ex is common among PPO policies and definitely exists in the individual market.

And Pre-ex doesnt apply to anyone if you had credible coverage prior to becoming eligible for your new coverage at a new employer.

 

[dbair1967]

Excellent example. The healthcare bill should help control prices in the same way that government regulation of energy companies helps keep citizens from being gouged by monopolies for essential services. Now you're thinking!

never never land awaits for you SP

 

[dbair1967]

So what you are saying is we had to pass a 2700 page bill to get insurance companies to take on preexisting conditions and keep kids on their parents insurance though age 27? Surely we could have put that in one page.

Most people (especially the libtards who support this garbage) have no freaking clue whats even in the bill.

They still dont even get why the pieces of shit like Pelosi and Obama were so adament on passing the thing within a couple of days of writing it, giving lawmakers basically no time to read it. They did it for a reason.

And they STILL needed to out and out bribe some senators to get them to sign off on it.

 

[superpunk]

They are STILL gouging people though. Or did you miss where everyone's health insurance keeps going up every quarter with no end in sight as the companies get ready for the influx of people that will bankrupt them?

and then Helloooo universal health care.

Fuck yeah!

 

[dbair1967]

and then Helloooo universal health care.

Fuck yeah!

and when you actually try to access care because you need it the Gov'ment will say FUCK YOU

 

[Hoofbite]

please show an example of someone who has a job, has employer sponsored insurance and is denied coverage

I hope you aren't suggesting that every employer in America offers insurance to it's employees.

 

[Hoofbite]

So what you are saying is we had to pass a 2700 page bill to get insurance companies to take on preexisting conditions and keep kids on their parents insurance though age 27? Surely we could have put that in one page.

Not at all.

I'm just saying that not every person who will benefit is some bottom feeding leech on society, as you suggested.

 

[Hoofbite]

They are STILL gouging people though. Or did you miss where everyone's health insurance keeps going up every quarter with no end in sight as the companies get ready for the influx of people that will bankrupt them?

My premium hasn't increased at all. Anthem is my provider, you should give them a look.

 

[Hoofbite]

I work in the healthcare field and what you are saying isnt really true. Some insurance companies enforce pre-ex clauses for certain plans, but alot of states have carriers that dont enforce pre-ex clauses on any type of plan if the person tries to obtain care via an in-network provider.

What are you talking about? This has nothing to do with in-network care. You don't even get to be a part of the network if you are flat out denied coverage in the first place because of a pre-existing condition. That's the entire point.

The issue isn't solely about insurance companies refusing to cover specific treatments for policy holders, it's also about insurance companies refusing to issue a policy all together.

Honestly, for "working in healthcare" you are pretty damn uninformed about the entire situation. Either that or you are flat out dishonest or don't give a shit.

Pre-ex is common among PPO policies and definitely exists in the individual market.

And Pre-ex doesnt apply to anyone if you had credible coverage prior to becoming eligible for your new coverage at a new employer.

And if you didn't? Suppose you grew up in a low-income household and weren't on your parents plan until the age of 24 (or whatever it was prior to the passage of the bill)? Then what? You've had zero coverage and can't get coverage regardless of your ability or willingness to pay........what do you do?

 

[superpunk]

and when you actually try to access care because you need it the Gov'ment will say FUCK YOU

oh yeah I almost forgot about the death camps.

 

[Bob Sacamano]

Excellent example. The healthcare bill should help control prices in the same way that government regulation of energy companies helps keep citizens from being gouged by monopolies for essential services. Now you're thinking!

Try starting an energy service and see how far that gets you.
You don't think huge medical companies will try to monopolize on thus bill? Or have you forgotten that big business controls the government?

 

[dbair1967]

I hope you aren't suggesting that every employer in America offers insurance to it's employees.

most do

 

[dbair1967]

My premium hasn't increased at all. Anthem is my provider, you should give them a look.

Do you have an individual plan with them or a group plan? If you are on a group plan your premium may have been increased but your employer may have eaten it. Rate increases can also be offset by plan design changes.

Or if you are on a group plan and its performing well, there may be no need to increase the rate.

 

[dbair1967]

What are you talking about? This has nothing to do with in-network care. You don't even get to be a part of the network if you are flat out denied coverage in the first place because of a pre-existing condition. That's the entire point.

The issue isn't solely about insurance companies refusing to cover specific treatments for policy holders, it's also about insurance companies refusing to issue a policy all together.

Honestly, for "working in healthcare" you are pretty damn uninformed about the entire situation. Either that or you are flat out dishonest or don't give a shit.

Seriously? Dude WTF?

I do this everyday. I sell group healthplans and have for 17 years. The FACT is what you said is not true, its true with certain types of plans or maybe in some states, but it is not true across the board. The company I work for now doesnt (and hasnt ever) had a pre ex policy on any group plan.

Small group reform protects small employers by guaranteeing policies be issued for their size company. Groups can be rated up based on health conditions, but cannot be denied coverage. Large groups can be denied coverage in most states, but the vast majority of those have coverage now.

The flat out denial of issuing a health plan pertains mostly to individual health coverage, not group plans.

And if you didn't? Suppose you grew up in a low-income household and weren't on your parents plan until the age of 24 (or whatever it was prior to the passage of the bill)? Then what? You've had zero coverage and can't get coverage regardless of your ability or willingness to pay........what do you do?

How bout that person get a job then? Most employers offer group coverage.

 

[Bob Sacamano]

I've never heard of an employee being denied medical if you work full time, 40 hours.

Not even 40 hours. It's like 32 or 33 hours.

 

[Bob Sacamano]

Seriously? Dude WTF?

I do this everyday. I sell group healthplans and have for 17 years. The FACT is what you said is not true, its true with certain types of plans or maybe in some states, but it is not true across the board. The company I work for now doesnt (and hasnt ever) had a pre ex policy on any group plan.

Small group reform protects small employers by guaranteeing policies be issued for their size company. Groups can be rated up based on health conditions, but cannot be denied coverage. Large groups can be denied coverage in most states, but the vast majority of those have coverage now.

The flat our denial of issuing a health plan pertains mostly to individual health coverage, not group plans.



How bout that person get a job then? Most employers offer group coverage.

Seriously. I've never been asked to fill out a medical questionnaire or submit to a physical to get my employee sponsored medical.
Hoofbite may be self-employed.

 

[Hoofbite]

Seriously? Dude WTF?

I do this everyday. I sell group healthplans and have for 17 years. The FACT is what you said is not true, its true with certain types of plans or maybe in some states, but it is not true across the board. The company I work for now doesnt (and hasnt ever) had a pre ex policy on any group plan.

Small group reform protects small employers by guaranteeing policies be issued for their size company. Groups can be rated up based on health conditions, but cannot be denied coverage. Large groups can be denied coverage in most states, but the vast majority of those have coverage now.

The flat out denial of issuing a health plan pertains mostly to individual health coverage, not group plans.



How bout that person get a job then? Most employers offer group coverage.

I never said it was. Furthermore, it doesn't have to be true across the board.

It happens. People get denied coverage. If most employers offer health insurance plans, and employees can't be denied, why do insurance companies sell individual policies? How is there a market for it? All the unemployed who can't pay? That's their target market?

http://www.kaiserhealthnews.org/stories/2011/september/12/insurance-denials.aspx

Using the data from the website, a Government Accountability Office study of 459 insurers published earlier this year found an average of 19 percent of applicants nationally were denied coverage. But the study showed a wide range of denial rates. A quarter of insurers had denial rates of 15 percent or below and a quarter had rates of 40 percent or higher.

 

[Hoofbite]

I've never heard of an employee being denied medical if you work full time, 40 hours.

Not even 40 hours. It's like 32 or 33 hours.

Well, I guess that a fair statement about employment.

Full time or unemployed...........nothing in between.

 

[Bob Sacamano]

I never said it was. Furthermore, it doesn't have to be true across the board.

It happens. People get denied coverage. If most employers offer health insurance plans, and employees can't be denied, why do insurance companies sell individual policies? How is there a market for it? All the unemployed who can't pay? That's their target market?
http://www.kaiserhealthnews.org/stories/2011/september/12/insurance-denials.aspx

Not eveyone who works is qualified for medical benefits. Namely part-time and temp workers.