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Old 09-27-2020, 02:21 PM
 
Location: Maui No Ka 'Oi
1,539 posts, read 1,558,876 times
Reputation: 2367

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This is going around, "Don’t take the Covid test. All positive cases will be considered prior health conditions and prevent you from getting insurance in the near future"

 
Old 09-28-2020, 02:29 AM
 
2,378 posts, read 1,313,895 times
Reputation: 1725
Quote:
Originally Posted by trinity1111 View Post
This is going around, "Don’t take the Covid test. All positive cases will be considered prior health conditions and prevent you from getting insurance in the near future"
Why and how would that prevent you from obtaining health insurance?
 
Old 09-28-2020, 07:00 AM
 
Location: Honolulu/DMV Area/NYC
30,633 posts, read 18,209,295 times
Reputation: 34496
Quote:
Originally Posted by Nyfinestbxtf View Post
Why and how would that prevent you from obtaining health insurance?
Even if it was true (it's not), the odds of you testing positive are extremely low. But you'd also have to think about whether you'd like to know that you have Covid and thus can take steps to better protect others (isolating for 14 days, etc.) than not know and put others at increased and unnecessary risk.
 
Old 09-28-2020, 08:40 AM
 
Location: Juneau, AK + Puna, HI
10,552 posts, read 7,747,342 times
Reputation: 16053
Quote:
Originally Posted by trinity1111 View Post
This is going around, "Don’t take the Covid test. All positive cases will be considered prior health conditions and prevent you from getting insurance in the near future"
That's really gullible to buy that story. Just think about how many college students would now be doomed. If it could possibly be true though, only in America...
 
Old 09-28-2020, 10:43 AM
 
344 posts, read 250,546 times
Reputation: 430
Perhaps you guys are forgetting what the health insurance market was like prior to the ACA. Certainly, in the individual market, people routinely got denied insurance for such pre-existing conditions. With the new makeup of the SCOTUS, it is quite likely the ACA will get struck down.

I would still recommend getting tested, but the concern does not seem that far fetched.
 
Old 09-28-2020, 01:38 PM
 
Location: Portland OR / Honolulu HI
959 posts, read 1,215,196 times
Reputation: 1869
Unless it is conclusively proved that you don’t recover from Covid and that Covid is proven to be a direct cause of some other specific and serious condition (again that you don’t recover from when you cover from Covid) then you can’t really claim Covid is a pre-existing condition for some other condition after you’ve recovered from Covid.

But the best solution to a pre existing condition is to get a job and enroll in your employers group medical plan when you are first eligible.
 
Old 09-28-2020, 02:05 PM
 
344 posts, read 250,546 times
Reputation: 430
Quote:
Originally Posted by WaikikiBoy View Post
Unless it is conclusively proved that you don’t recover from Covid and that Covid is proven to be a direct cause of some other specific and serious condition (again that you don’t recover from when you cover from Covid) then you can’t really claim Covid is a pre-existing condition for some other condition after you’ve recovered from Covid.

But the best solution to a pre existing condition is to get a job and enroll in your employers group medical plan when you are first eligible.

It does not matter what you can claim, the only thing that will matter is what the insurance underwriter will say. I think it would be naive to assume anything other than they will use anything they can to reduce their own risks.

There is no definitive study on long term impacts of Covid.Even asymptomatic people have shown damaged lungs. No one knows if it is temporary or permanent yet.

https://www.webmd.com/lung/news/2020...e-not-harmless

Not everyone has an employer, many are entrepreneurs, self-employed, unemployed, retired, etc.
 
Old 09-28-2020, 03:07 PM
 
Location: Kahala
12,120 posts, read 17,903,402 times
Reputation: 6176
This is really getting kind of silly - there are no restrictions to getting insurance if you've had Covid-19
 
Old 09-28-2020, 03:31 PM
 
344 posts, read 250,546 times
Reputation: 430
Quote:
Originally Posted by whtviper1 View Post
This is really getting kind of silly - there are no restrictions to getting insurance if you've had Covid-19
Do you expect those protections to survive the case being heard by the Supreme court in November given the likely new make-up of the court?
 
Old 09-28-2020, 03:49 PM
 
Location: Kahala
12,120 posts, read 17,903,402 times
Reputation: 6176
Quote:
Originally Posted by KohalaTransplant View Post
Do you expect those protections to survive the case being heard by the Supreme court in November given the likely new make-up of the court?
I don't know - it is out of my control. What happens - happens.

If this issue regarding Covid-19 had traction it would actually make the news and not the rumor mill.

I'm not finding any credible articles on this.

Unclear what this has to do with lifting restrictions in Hawaii
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