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Yes, they should be covered. We are not robots and cannot be sent back to a manufacturer. If you take my monthly premium you should cover my injuries. Insurance companies are ripping people off left and right.
Quote:
Originally Posted by t206
I'm sure this will be quite controversial, so all the more fun to strike up a conversation about it. I don't have a 100% answer, but I have some thoughts.
The question:
Should a pre-existing condition be covered as part of regular health insurance plans?
The facts:
The concept of insurance is that it is a way to financially hedge yourself against an unexpected occurrence such as breaking a leg or getting struck by lightning. For things like home owners and car insurance, you couldn't get insurance to pay for physical damage that already exists...aka, a "pre-existing" condition.
Part of the problem with "pre-existing" conditions is that the concept only exists because we are forced to change insurance providers if/when we change jobs.
My thoughts:
Personally I don't think they should be covered as part of a regular insurance plan because I think that may be part of what causes insurance to be so expensive overall. I wonder if the market place could come up with some insurance product that is targeted at those with pre-existing conditions, or that you somehow pay into separately from regular insurance that can only be used once certain ailments are diagnosed like cancer, diabetes, or other commonly identified "pre-existing" conditions?
I also think that shifting insurance from being something that most employers provide, to something that individuals shop for and purchase on their own would go a LONG way in changing this situation.
I'm sure others have different thoughts and ideas, or would just like to chime in and call me evil or crazy.....
Yes, they should be covered. We are not robots and cannot be sent back to a manufacturer. If you take my monthly premium you should cover my injuries. Insurance companies are ripping people off left and right.
Quote:
If you take my monthly premium you should cover my injuries
agreed..but if you have a problem...a higher RISK...then you should pay MORE
agreed..but if you have a problem...a higher RISK...then you should pay MORE
Well I think you do, because your copays are more frequent if you really have a problem. Surgery, medication, office visits, specialists, they all charge copays. In general the healthier you are the cheaper it is.
Some people have issues from birth, should we make the insurance company that had them financially responsible for their lifelong care even if they move states? Then Blue Cross has to cut Aetna a check for Bobby Sue?
If you have had health ins. all your life and just want to switch companies I believe it should be covered. If someone never was ins. for whatever reason they should either pay more or have a certain waiting time before something will be covered.
It is unfair to be punished if you have a pre existing issue and you can't switch while you pay all your life but can't switch to another company.
I wish people would stop looking at health insurance and healthcare as if it were a normal business, like car insurance or flat-screen TV sales. It's not. This is about human beings, this is about saving lives. You can't apply typical capitalist principles and rules to healthcare. When someone needs something to survive, it's fundamentally different than someone wanting a product or service.
Healthcare is a human right, and unlike food and water, it is prohibitively expensive.
Lay your ideology aside for a second. How can you morally justify letting people die because they can't afford prohibitively expensive health insurance premiums? How can you ethically justify letting greedy for-profit corporate pigs hold people's lives hostage instead of coming up with a sensible government-run system just like every other developed country in the world? Healthcare is not a business. It is NOT a business. It is a fundamental human right.
I'm sure this will be quite controversial, so all the more fun to strike up a conversation about it. I don't have a 100% answer, but I have some thoughts.
The question:
Should a pre-existing condition be covered as part of regular health insurance plans?
....
Not unless the insurance company chooses to cover them.
To say other wise is to admit you don't understand the concept of insurance.
The American people have no duty to provide jobs for the employees of insurance companies. Health care insurance companies need to provide affordable insurance and reasonable choice to their customer group if they want to be the vehicle of health care delivery. Not just a select few.
And so far, they are failing massivly. In fact, their strategy seem more focused on concealing their failiure than actually delivering health care.
The American people have no duty to provide jobs for the employees of insurance companies. Health care insurance companies need to provide affordable insurance and reasonable choice to their customer group if they want to be the vehicle of health care delivery. Not just a select few.
And so far, they are failing massivly. In fact, their strategy seem more focused on concealing their failiure than actually delivering health care.
Then don't buy their products.
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I don't have a 100% answer, but I have some thoughts.
