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Originally Posted by graciegirl
It isn't that people are uncaring. Somebody has to pay for all medical procedures. It is based on graphs and numerical formulas. Insurance is based on paying in and paying out and has to have money "in" to pay "out". It isn't about the haves or have nots and has nothing really to do with our moral responsibility. It is numbers.
You cannot get blood out of a turnip. You know that. You are from Ohio.
Using software that computes a predetermined algorithm, insurance underwriters gauge the risk that you may file a claim against your policy. These algorithms are based on key indicators about you and then measured against a data set to weigh risk.
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All of the people who pay for insurance and end up NOT needing it - are paying for all the people who pay for it and DO need it. You might not understand how insurance works. But that's basically how it works. The more people who can buy into it, the more money is available to pay for those who actually end up making use of it.
That is true in ALL insurance, not just health insurance. It's also true in car insurance, life insurance, property insurance.
It's a gamble. YOu are betting that you will need to cash in. The insurance company is betting that you won't need to cash in. The insurance company is the "house." The "house" is betting the odds. You are betting against them.
Pre-existing conditions means - if you ever broke a bone in school, and you have arthritis now, then your insurance company will tell you that all those premiums you've paid for years and years, all your Medicare Part Whatever - don't amount to a hill of beans. You are NOT covered, because you have a pre-existing condition, and your current diagnosis is a result of that pre-existing condition. If you hadn't broken your bone, then you wouldn't have been at risk of getting arthritis. Suck it up buttercup, you want treatment it'll cost you $40,000, full price, no discounts, no coverage. You want surgery, you're looking at over $100,000. Payable in full in 30 days.
That's what pre-existing condition coverage is all about. If you ever had a cold sore - well that's herpes. So if you end up with cervical cancer, you're out of luck. Pay in full. Herpes is the #1 cause of cervical cancer. Never mind that in your case, it isn't what caused it. They have the right not to cover it, because you had that condition.
But hey you're gonna live forever right Gracie? or maybe you'll die in your sleep, 100% healthy, without anyone having to pay the hospital bill because you've never had any medical problem ever in your entire life. Including the medical pre-existing condition of giving birth. Or going through menopause. Those are pre-existing medical conditions too. You want any possible future medical problem to be refused coverage, and have to pay 100% of the full price because the insurance company has chosen not to cover pre-existing conditions? You got it. Good luck to ya.