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auto insurance....you get too many tickets...or too many accidents...you WONT BE COVERED...or you will pay through the nose on the COVERAGE YOU CAN FIND
homeowners insurance....you WONT GET COVERAGE..in a flood plain ...if you have too many claims...if you commit fraud
insurance has NEVER BEEN ABOUT CARE...but some people just dont understand
You can go without having an accident if you follow the law. I can even have a fender bender and settle it out of court, or talk my way out of a ticket. I know a lot of people who have gone 25 years, or an entire lifetime without a traffic ticket. You can't be in a car accident if your car was in the garage, but you can come down with a form of cancer or high blood pressure thru no fault of your own.
If I have a medical condition, I can't hide it, or talk my way out of it, or settle it out of court. In most cases, I also cannot control whether I get cancer, or some abnormality or sickness.
Negotiating benefits and negotiating what is covered and what is not - two different ballgames.
Of course pre-existing conditions should not be excluded. Say . . you get cancer and lose your job. You find another one but, guess what? They have insurance but won't cover your cancer treatment.
What would you do?
Either way - the taxpayer will foot the bill. Medicaid ain't free, you know.
You simply keep paying the premiums to the insurance carrier. You do not get cut off the day you lose your job, and there are already mechanisms in place that cover the gap between employers.
Let's say that I'm insurer A who covered your treatment. You stop paying. Should I, as a business continue covering your treatments?
Now, you get employed by a new company, I'm insurer B. Should I be forced to cover your treatments?
Look, you lefties seem to want a world with 300 million different rules so that no one ever has to go through hard times.
Some people seem to have a very strange view of what insurance companies do. They point to the problem of people who have a pre-existing condition, trying to sign up for new insurance, only to find the insurance companies won't pay for the the treatment for that pre-existing condition.
Of course they won't. That's not what insurance companies do. Whoever said they did?
Insurance is a gambling game where you bet on what will happen in the future. You "bet" that you will get sick or injured, and the company "bets" that you won't. If you get sick or injured, the company pays you the stipulated amount (paying for a portion of your medical treatment etc.), and if you don't, you pay them (premiums). The purpose is to shield you from the "shock" of suddenly and unexpectedly getting hit with huge medical bills... which is why you agreed to the contract.
A pre-existing condition cannot be insured against. It's like betting on the outcome of a horse race that's already been run - there is no "chance" involved, and no "unexpectedness" to the outcome (any more). Or like trying to get car insurance after wrecking your car.
Insurance companies are in the business of selling security - the assurance that you won't be suddenly bankrupted by huge medical bills, rehab bills etc. in the future. They do it by insuring huge numbers of people and getting them to each pay relatively small amounts (their premiums) each. They and their clients all know that most of them will never incur the huge medical bills they are worried about. But since no one knows which few people WILL incur them, they are all happy to pay the premiums, for the knowledge they won't have to pay the huge amounts if they turn out to be the unlucky ones.
Insurance companies sell safety from FUTURE possible disasters. And that's all they sell. Asking them to cover pre-existing conditions, is like asking a submarine designer to design a supersonic jet - it's got nothing to do with his business or his area of expertise, and he never volunteered to design jets in the first place, for good reason.
If you want to set up some kind of universal pool to pay for pre-existing conditions, fine, go ahead. But why drag insurance companies into it? It's got nothing to do with their areas of expertise, and they never volunteered to do it in the first place - for good reason.
They do in Canada, where we are not nearly as selfish as the likes of you.
Insurance companies do cover pre-existing medical conditions. They just charge through the nose for the coverage.
Obamcare was the best thing that ever happened to the industry. With such a huge base of coverage, no single company has to bear the great risk they all face now individually. Their actuaries know this full well, and that's why many companies have already lowered their rates. They all want to be first in line when the exchanges are in place.
Really? I pay monthly for my employer provided insurance. I'm not sure where you're getting your little overreaction.
you pay 25%
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