Please register to participate in our discussions with 2 million other members - it's free and quick! Some forums can only be seen by registered members. After you create your account, you'll be able to customize options and access all our 15,000 new posts/day with fewer ads.
Huh? ACA exchange insurance doesn't consider preexisting conditions. It's a nonissue. Everyone pays the same, based on age, household income, number in family. Health history is not a factor.
Are you sure about that? I've read where those with preexisting conditions have higher premiums. I'd like to get some feedback from the CD folks to see if that was the case for them.
Are you sure about that? I've read where those with preexisting conditions have higher premiums. I'd like to get some feedback from the CD folks to see if that was the case for them.
The biggest change with the ACA is eliminating the pre-existing condition clause. The ACA is legislation, not an insurance plan. There are no medical questions asked when you sign up for the policies...
The biggest change with the ACA is eliminating the pre-existing condition clause. The ACA is legislation, not an insurance plan. There are no medical questions asked when you sign up for the policies...
I understand that. One can no longer be denied coverage for a PC. I am trying to find out if the premiums will be higher and what the experience has been so far for others.
I understand that. One can no longer be denied coverage for a PC. I am trying to find out if the premiums will be higher and what the experience has been so far for others.
I think you are missing the point--they can't charge more for medical conditions. The only ratings on individual policies are based on age and zip code.
I think you are missing the point--they can't charge more for medical conditions. The only ratings on individual policies are based on age and zip code.
I got that as well, but I have read complaints since the marketplace opened that state otherwise.
Are you sure about that? I've read where those with preexisting conditions have higher premiums. I'd like to get some feedback from the CD folks to see if that was the case for them.
Quote:
Originally Posted by golfgal
The biggest change with the ACA is eliminating the pre-existing condition clause. The ACA is legislation, not an insurance plan. There are no medical questions asked when you sign up for the policies...
Quote:
Originally Posted by PassTheChocolate
I got that as well, but I have read complaints since the marketplace opened that state otherwise.
Who, exactly, is saying what - exactly? Provide a link.
Also, people can say anything. The REALITY for why they are experiencing a rate differential is something else, entirely.
It is AGAINST THE LAW for an insurance company to rate/charge premiums based on individual health history. No applicant is asked for a health history. So, how could an insurance company possibly rate on the basis of health? It can't.
That said - rates are not the same in all states. Different demographics, different costs for medical care, different claim experiences by region/area.
Under the ACA, an insurance company can certainly rate an entire state/region/service area on those factors, but it cannot rate any individual separate and apart from how it is rating the entire demographic area for which it is providing insurance.
ACA rates vary widely by region and provider network. Rates in some areas of Wisconsin are lower than they are in other areas of WI. It does appear the more heavily populated areas experience higher rates. Cost for medical care in the cities is higher than in rural areas - probably because there is more technology available in the cities, that care is more complex, more expensive, and there are more poor people who generally experience poorer health.
Last edited by Ariadne22; 10-17-2013 at 05:47 PM..
Please register to post and access all features of our very popular forum. It is free and quick. Over $68,000 in prizes has already been given out to active posters on our forum. Additional giveaways are planned.
Detailed information about all U.S. cities, counties, and zip codes on our site: City-data.com.
Please register to participate in our discussions with 2 million other members - it's free and quick! Some forums can only be seen by registered members. After you create your account, you'll be able to customize options and access all our 15,000 new posts/day with fewer ads.
