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Originally Posted by ptownrob
There are too many cases of "Private" insurance plans doing those two things already, so to lay it on any "vast government conspiracy" is false, if not disingenuous.
2.) Insurance policies have bean-counters who can just as easily deny any surgery, as any Federal program would. But look at Medicare-have you heard of many denials? And there is no pre-existing clause. The appeal process is long and tedious, and set-up to work against the patient. How much energy can a person facing bone-marrow transplants really exert in challengin a multi-billion corporation? Beyond that, how long would a lawsuit against a denial take? The patient would be dead by the time the decsion came down. This has happened MANY times for many illnesses.
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When you say that insurance companies should not have a have a policy of denying pre-existing conditions, you are either uninformed or disingenuous and just trying to justify Socialized Medicine.
The purpose of health insurance is to share the risk. If you had your way, there would be a kiosk in front of every hospital so that you could buy insurance just before you were admitted. Wouldn't that be nice? The problem would be that there would be no insurance companies or the premium would be the cost of the operation plus a little profit. Nobody in their right mind would carry insurance if they could pick it up at the door.
If one maintains a continuity of insurance, pre-existing conditions are rarely a problem. I agree that the system needs some work but don't cut off your nose to spite your face.
Yoda