[Boomer]

(Please pay attention. Pre-existing conditions are on the chopping block, now with Covid as an additional bonus possible for insurance companies.)

It is highly possible, that in the near future, insurance companies -- again -- will be allowed to use pre-existing conditions as their right to deny coverage.

If insurance companies are awarded the unconscionable power to deny coverage for pre-existing conditions, it is not a big leap of the imagination to think that having had Covid 19 could be termed a pre-existing condition.

Why do I think that could happen? — because we do not understand where this virus can take us. But we do know that Covid 19 can sometimes leave very serious, and possibly chronic, health problems in its wake — even after supposed recovery.

I realize that most Villagers are comfortably swaddled in Medicare or good coverage from military retirement or previous employers. But, even so, in this time of overwhelming distraction, it is important to stay informed of what is playing out behind the front-and-center chaos.

Gen X and Millennials and younger boomers who get the virus and recover could find themselves saddled with a pre-existing condition — forever— just for having had the virus — even though nothing else has shown up — yet — after recovery.

Maybe I am overthinking this. Gee, could insurance companies ever even consider reaching into such a pot of gold as Covid recovery as an excuse to deny coverage.

No matter where your loyalties lie, no matter whether you have any younger people in your life to love, please pay attention, stay informed — from a variety of sources.

The ultimate decision to protect or to take away the individual’s right to not be denied health insurance coverage due to a pre-existing condition is in the works — with powerful support to take away that right.

Be careful what you wish (wished?) for.

Cassandra Boomer

[Bjeanj]

Yep. Not only that, if they cover you, it could be for a huge premium.

[Dana1963]

Originally Posted by Boomer

(Please pay attention. Pre-existing conditions are on the chopping block, now with Covid as an additional bonus possible for insurance companies.)

It is highly possible, that in the near future, insurance companies -- again -- will be allowed to use pre-existing conditions as their right to deny coverage.

If insurance companies are awarded the unconscionable power to deny coverage for pre-existing conditions, it is not a big leap of the imagination to think that having had Covid 19 could be termed a pre-existing condition.

Why do I think that could happen? — because we do not understand where this virus can take us. But we do know that Covid 19 can sometimes leave very serious, and possibly chronic, health problems in its wake — even after supposed recovery.

I realize that most Villagers are comfortably swaddled in Medicare or good coverage from military retirement or previous employers. But, even so, in this time of overwhelming distraction, it is important to stay informed of what is playing out behind the front-and-center chaos.

Gen X and Millennials and younger boomers who get the virus and recover could find themselves saddled with a pre-existing condition — forever— just for having had the virus — even though nothing else has shown up — yet — after recovery.

Maybe I am overthinking this. Gee, could insurance companies ever even consider reaching into such a pot of gold as Covid recovery as an excuse to deny coverage.

No matter where your loyalties lie, no matter whether you have any younger people in your life to love, please pay attention, stay informed — from a variety of sources.

The ultimate decision to protect or to take away the individual’s right to not be denied health insurance coverage due to a pre-existing condition is in the works — with powerful support to take away that right.

Be careful what you wish (wished?) for.

Cassandra Boomer

Currently the Justice Department is involved in repealing what’s left of ACA that is preexisting conditions with no replacement available. This is being taken up by the Supreme Court after election.
“ What do you have to loose”

[graciegirl]

Nothing is free. When the government is involved the wastage makes the cost astronomical. No one wants anyone denied health care because of pre existing conditions.

Too many want health care and have someone else pay for it.

Nothing is free.

We would all like for there to be simple answers and to blame others for problems based on greed, but the truth is that either you self insure or you buy insurance or you HOPE the government will cover you and other people's money doesn't run out.

[Bucco]

Originally Posted by graciegirl

Nothing is free. When the government is involved the wastage makes the cost astronomical. No one wants anyone denied health care because of pre existing conditions.

Too many want health care and have someone else pay for it.

Nothing is free.

We would all like for there to be simple answers and to blame others for problems based on greed, but the truth is that either you self insure or you buy insurance or you HOPE the government will cover you and other people's money doesn't run out.

WOW.......I will pay for it myself, but will it be available ?? Everyone is not looking for a handout.....but this is one country....not two (rich and poor)

The oft promised “terrific,” “phenomenal” and “fantastic” new health care plan to replace the Affordable Care Act was to debut so many times since 2015 but never has surfaced in anyway.

We were told this week that the plan "is ready". While before the Supreme court the administration continues to fight to eliminate pre existing conditions in action taken since June we are told even so any plan will allow for pre existing conditions.

So, we shall see......always two or more stories it seems.

I opposed the ACA at the beginning but am getting tired of the same old story......lets tear it down one piece at a time and promise a better one.....but only the tearing down is happening.

The implication that I, or any american is looking for handouts is getting to be a tired old story. Everyone is not as blessed as many others. I am in good shape I think, but the vast and great majority are not blessed with company plans or the money to afford to 'self insure".

[graciegirl]

Originally Posted by Bucco

WOW.......I will pay for it myself, but will it be available ?? Everyone is not looking for a handout.....but this is one country....not two (rich and poor)

The oft promised “terrific,” “phenomenal” and “fantastic” new health care plan to replace the Affordable Care Act was to debut so many times since 2015 but never has surfaced in anyway.

We were told this week that the plan "is ready". While before the Supreme court the administration continues to fight to eliminate pre existing conditions in action taken since June we are told even so any plan will allow for pre existing conditions.

So, we shall see......always two or more stories it seems.

I opposed the ACA at the beginning but am getting tired of the same old story......lets tear it down one piece at a time and promise a better one.....but only the tearing down is happening.

The implication that I, or any american is looking for handouts is getting to be a tired old story. Everyone is not as blessed as many others. I am in good shape I think, but the vast and great majority are not blessed with company plans or the money to afford to 'self insure".

I don't understand your post. Could you simplify?

[claricecolin]

Before ACA an insurance company could refuse to sell you insurance based on preexisting conditions based on state policy. If they did offer insurance there was often no cap on what they could charge for premiums. So not a matter of being unwilling to pay might not be able to get coverage at all or not being able to afford it. You had serious medical issue as a child getting coverage as an adult would be difficult. If preexisting conditions are repealed with no replacement am willing to bet covid becomes one.

[Bucco]

Originally Posted by graciegirl

I don't understand your post. Could you simplify?

Sure....

1. I expressed a "WOW" due to the language as if folks were always looking for free, and that is totally not true. I am not, but have an avid interest in whether pre existing conditions will be covered as our government on one had says yes but in June took action to the Supreme court to disallow.

2. The assumption that people are always looking for free is not true and the implication that the many who got coverage from ACA for pre existing are "takers" or whatever term you might use is.....well, can't think of a nice word. Your direct implication that people blame others all the time is not valid.

These are simple generalizations that simply do not stand up.

3. We were told before the election and many times since that there was going to be a “terrific,” “phenomenal” and “fantastic” plan unveiled. Now after all these years we are told "it is ready". We shall see how the balance between actions to derail pre existing conditions as high as the Supreme Court versus promises to keep in this yet unseen plan works out. Many candidates are struggling mightily with this exact issue.

4. As you well know, I adamantly was opposed to the ACA when it passed, and still find fault with much of it, but never the pre existing condition part. It is not right for our government to hold this over peoples head and to have people say those who approve of that act are looking for "handouts". Some are blessed with the ability to buy or self insure......most are not.

Vast majority of Americans do not have company plan, are unable to "self insure" and want to cover their family. My objection with the passed ACA was the lack of involvement by all parties and we are now faced with the same situation but worse because of the timing. COVID is a new ingredient that needs exploring but publicly and not in what appears to be false promises for the last few years

[tvbound]

Covid will most definitely become a pre-existing condition, should the assault on the ACA be successful in the courts. As far as a "replacement plan" that will protect pre-existing conditions, exactly where and what is this plan? I hear certain people talking about it, but have yet to see any details show up in any written form, anywhere. Those of us who were fortunate to belong to a group health plan already had this protection, but prior to the ACA, tens of millions of others did not. I can't help but wonder, if those (or their family members) in a group plan, who have pre-existing conditions, had to actually personally bear the additional premium costs (instead of depending on those in the group plan who were healthy to carry them) had to bear the true costs of their pre-existing condition - would they care more about not repealing the ACA? I bet they would.


Did The ACA Create Preexisting Condition Protections For People In Employer Plans? | Kaiser Health News

"What we found out is what few people realize: Protections for preexisting conditions for most people with job-based insurance predated the ACA by more than a decade."

[Boomer]

Originally Posted by graciegirl

Nothing is free. When the government is involved the wastage makes the cost astronomical. No one wants anyone denied health care because of pre existing conditions.

Too many want health care and have someone else pay for it.

Nothing is free.

We would all like for there to be simple answers and to blame others for problems based on greed, but the truth is that either you self insure or you buy insurance or you HOPE the government will cover you and other people's money doesn't run out.

May I clarify — what is happening now is the case that is about to be heard has the goal of completely dismantling the protection that says insurance companies cannot deny coverage based on pre-existing conditions.

This is not about people wanting a free ride.

This is about people who want to be able to buy “a ticket to ride.” ‘Buy’ is the operative word.

We are a nation of amnesiacs. There was a time when people who were trying to buy insurance on the open market — before the pre-existing conditions protection — either could not find coverage — or if they did find it, but needed to use it, they faced loophole after loophole.

We are very close to going back to that but people are not paying attention. The case is circling to land.

There are a lot of hardworking people who stand to lose healthcare coverage — when all they want is to be able to buy decent, affordable health insurance.

At this point, Me, Me, Me and mine have what we need. But I dare to care about those who do not. It is not fair to penalize people for pre-existing conditions by making healthcare practically unavailable to them. In fact, to do that is just plain cruel.

Cassandra Boomer

[retiredguy123]

To suggest that people are willing to pay their own way is laughable. The national debt, when divided up among the population is about $94,000 per person. I don't hear very many people, who want to pay their own way, offering to pay off their share of the debt. They are happy to force future generations to assume the debt. This applies to health care and almost everything else.

[tvbound]

Originally Posted by Boomer

May I clarify — what is happening now is the case that is about to be heard has the goal of completely dismantling the protection that says insurance companies cannot deny coverage based on pre-existing conditions.

This is not about people wanting a free ride.

This is about people who want to be able to buy “a ticket to ride.” ‘Buy’ is the operative word.

We are a nation of amnesiacs. There was a time when people who were trying to buy insurance on the open market — before the pre-existing conditions protection — either could not find coverage — or if they did find it, but needed to use it, they faced loophole after loophole.

We are very close to going back to that but people are not paying attention. The case is circling to land.

There are a lot of hardworking people who stand to lose healthcare coverage — when all they want is to be able to buy decent, affordable health insurance.

At this point, Me, Me, Me and mine have what we need. But I dare to care about those who do not. It is not fair to penalize people for pre-existing conditions by making healthcare practically unavailable to them. In fact, to do that is just plain cruel.

Cassandra Boomer

"At this point, Me, Me, Me and mine have what we need. But I dare to care about those who do not. It is not fair to penalize people for pre-existing conditions by making healthcare practically unavailable to them. In fact, to do that is just plain cruel."


THAT is what it really boils down to.

[graciegirl]

Originally Posted by Boomer

May I clarify — what is happening now is the case that is about to be heard has the goal of completely dismantling the protection that says insurance companies cannot deny coverage based on pre-existing conditions.

This is not about people wanting a free ride.

This is about people who want to be able to buy “a ticket to ride.” ‘Buy’ is the operative word.

We are a nation of amnesiacs. There was a time when people who were trying to buy insurance on the open market — before the pre-existing conditions protection — either could not find coverage — or if they did find it, but needed to use it, they faced loophole after loophole.

We are very close to going back to that but people are not paying attention. The case is circling to land.

There are a lot of hardworking people who stand to lose healthcare coverage — when all they want is to be able to buy decent, affordable health insurance.

At this point, Me, Me, Me and mine have what we need. But I dare to care about those who do not. It is not fair to penalize people for pre-existing conditions by making healthcare practically unavailable to them. In fact, to do that is just plain cruel.

Cassandra Boomer

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.

[dewilson58]

To eliminate = political suicide.


No one will do it.


Sky is not falling.

[Bucco]

Originally Posted by retiredguy123

To suggest that people are willing to pay their own way is laughable. The national debt, when divided up among the population is about $94,000 per person. I don't hear very many people, who want to pay their own way, offering to pay off their share of the debt. They are happy to force future generations to assume the debt. This applies to health care and almost everything else.

That national debt you speak of has risen out of the reach of any estimate ever heard, and most was not incurred by those you are blaming.

Prior to Covid, we were told the national debt would actually be eliminated..actual words. Instead it has increased exponentially, and Covid will add to that.

Not sure what you want citizens who have no control to do. Tax cuts were not for average folks, and had we actually gotten the growth promised (we didn't even get half) it would have been a good idea.

I have suggested that the national debt is a moral crisis, an unspoken evil, but always, on this forum am told I know not of what I speak.

Increase in debt is not because if people wanting freebies. It was getting under some control just a few years ago, but....you can't blame everything on people wanting freebies. Folks should pay attention to actual spending numbers, who is actually making money off the government....they are all labeled "fake news" but if you read, it is real