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They don't drop you if you become sick as long as you pay your premiums.
They refuse to cover treatments and essentially that makes your "insurance" useless. Pay $400 a month only to find they won't cover a procedure YOUR Dr. says you need? There is no valid reason for this. Was not pre existing, is not expiramental. Or better yet, they authorize something and then change their mind AFTER the procedure because it is a second time so they instructed the Dr. incorrectly and oh are stuck with a thousand dollar bill? Nan other industry it would be fraud.
They refuse to cover treatments and essentially that makes your "insurance" useless. Pay $400 a month only to find they won't cover a procedure YOUR Dr. says you need? There is no valid reason for this. Was not pre existing, is not expiramental. Or better yet, they authorize something and then change their mind AFTER the procedure because it is a second time so they instructed the Dr. incorrectly and oh are stuck with a thousand dollar bill? Nan other industry it would be fraud.
This has happened many times to me, and fighting it is a long and arduous battle. HealthNet in CA decided to deny ALL of my claims because they decided my local Dr didn't have the 'correct' qualifications to sign a prescription for a medication I had been receiving consistently for nearly 12 years at that point. Imagine being 22 and getting a call from a collections company asking if you would like to start a payment plan for the $240,000 bill your insurance company decided it didn't want to pay.
After that, they decided they didnt want to pony up the $139 twice a month to have a home health nurse come over and start an IV for my meds. I asked if I could pay cash and they told me they wouldnt release my medication to me unless it was done in the location of heir choosing. They decided I needed to come to the closest 'Health Net approved' hospital which was a 2-1/2 hour drive away. So, as a full time student with a full time job, for 6 months I had to drive 2-1/2 hours each way (during normal business hours, of course) every other week to get my meds.
This has happened many times to me, and fighting it is a long and arduous battle. HealthNet in CA decided to deny ALL of my claims because they decided my local Dr didn't have the 'correct' qualifications to sign a prescription for a medication I had been receiving consistently for nearly 12 years at that point. Imagine being 22 and getting a call from a collections company asking if you would like to start a payment plan for the $240,000 bill your insurance company decided it didn't want to pay.
After that, they decided they didnt want to pony up the $139 twice a month to have a home health nurse come over and start an IV for my meds. I asked if I could pay cash and they told me they wouldnt release my medication to me unless it was done in the location of heir choosing. They decided I needed to come to the closest 'Health Net approved' hospital which was a 2-1/2 hour drive away. So, as a full time student with a full time job, for 6 months I had to drive 2-1/2 hours each way (during normal business hours, of course) every other week to get my meds.
Yeah, insurance companies are super helpful.
I've haggled with these hustlers several times. I did this for my wife. I can not imagine the stress this can cause you on top of the fact that you have to deal with your condition. This another illness on top of your condition. It's called stress and it is a killer. The stress that I went through dealing with 3 different insurance companies over a period of a few years added age on me, grey spots appeared on my head and hair started falling out in clumps under those spots. Even when my wife received her medicare it took months for my body to recover from the stress. This is dangerous.
Should "Pre-Existing" conditions be covered under regular health insurance?
No. That's just a way to fool people by hiding the horrendous costs of "pre-existing conditions" coverage, by trying to hide them behind an insurance plan.
States should set up their own programs that cover pre-existing conditions only, and leave genuine insurance to insurance companies.
If my insurance company takes you on with pre-existing conditions and your insurance company take me on with pre-existing conditions then there is no difference from keeping our old policies to switching carriers, the risk would share out the same.
That is why a single payer plan makes so much sense: eliminate the angst we are having over this and keep people from falling through the cracks and being financially ruined.
The emphasis can then shift to preventive medicine and the entire society would save a boatload. Right now people neglect themselves because the deductibles are too high (which is actually what I am dealing with right now). Single payer can emphasize preventive care because the very same system will save money down the road.
Medicare for all could do that. Plans that do not cover essential health criteria are not helpful, they just participate in the agony we already face.
If my insurance company takes you on with pre-existing conditions and your insurance company take me on with pre-existing conditions then there is no difference from keeping our old policies to switching carriers, the risk would share out the same.
That is why a single payer plan makes so much sense: eliminate the angst we are having over this and keep people from falling through the cracks and being financially ruined.
The emphasis can then shift to preventive medicine and the entire society would save a boatload. Right now people neglect themselves because the deductibles are too high (which is actually what I am dealing with right now). Single payer can emphasize preventive care because the very same system will save money down the road.
Medicare for all could do that. Plans that do not cover essential health criteria are not helpful, they just participate in the agony we already face.
Unfortunately for the big-govt leftists, single-payer (i.e. big government running all health plans, levying taxes to pay for it all, transferring wealth from the high earners to the low earners to hide how much it costs, little or no control of costs except for rationing and death panels) is unconstitutional in this country, and for good reason.
Unfortunately for the big-govt leftists, single-payer ... is unconstitutional in this country, and for good reason.
Please explain your argument.
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