Talk of The Villages Florida - Pre-existing Conditions

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- - Pre-existing Conditions (https://www.talkofthevillages.com/forums/current-events-news-541/pre-existing-conditions-311131/)

Quote:

Originally Posted by Boomer (Post 1833599)

(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

Mr. Trump said his health care vision will include provisions to protect those with preexisting conditions. The president said it is now the official policy of the federal government to protect preexisting conditions, and he won't sign any bill that comes to his desk that doesn't protect preexisting conditions.

Quote:

Originally Posted by vilger (Post 1838342)

Do you have Medicare? Are you happy with it? Perhaps the government should charge higher Medicare premiums to those of us that have pre-existing conditions - how would you feel about that? The truth is that most people our age have pre-existing conditions.

Those of us that have Medicare have paid into it for decades. We have paid the premiums in advance.

What I was thinking about if companies were forced to cover people with pre-existing conditions, why would anyone buy health coverage before they got sick? Why wouldn't people just wait until they needed care and go to a company and sign up for coverage? Then once they have been treated and have recovered, drop the coverage until the next time the needed it.

It's the same as saying that you don't have car insurance. Then, you get into an accident you go to an insurance company and tell them that you want to buy insurance and they have to pay for the damages to your car and the damages that you caused. Or, you decide to not have homeowners insurance and when your house burns down, you sign up and expect the insurance company to pay for a new house for you.

Sounds ridiculous doesn't it?

Quote:

Originally Posted by BossLady (Post 1840017)

Being self employed, in 2013 I was paying $1200. Per month and was notified that the next year’s increase would be an increase of an additional $500.00. Completely unaffordable. I am grateful for ACA. I was hospitalized 19 days over the last 6 weeks at The Villages Regional Hospital. Without ACA, I would be unable to recover financially. I’m terrified of changes in Health Care costs. A very scary issue. I’m 52. What will the future bring?

I empathize with you but the ACA did not fulfill its promise of affordable care for all American. Many exchanges lost all their insurance providers. A necessary condition for truly affordable health care is to secure the borders and deport illegal aliens.Then the government must use its buying power to negotiate with hospitals and drug companies on pricing. Health economists need to determine what services are affordable and at what cost.

Obamacare (ACA) is going to be on the Supreme Courts docket soon after the election. It includes pre-existing conditions. If ACA is repealed, so goes pre-existing conditions. Don’t believe a recently signed executive order which promises what we already have. After the election, all bets are off.

They did pass Obamacare.

Quote:

Originally Posted by biker1 (Post 1839061)

And Obama had a majority in the House, a super majority in the Senate and was held hostage by some of his own senators for the current bill. Since the supermajority prevents a filibuster, they could have passed anything they wanted. How quickly some forget, or didn't know.

Yes they did after being squeezed for concessions by members of their own caucus. Yes they did after failing to include cost savings such as tort reform.Yes they did and it is being dismantled by the courts. Were you even paying attention?

Quote:

Originally Posted by Lindsyburnsy (Post 1840639)

They did pass Obamacare.

We are in Deep Garbage no matter which way things go. Everyone involved in bringing it and trying to get rid of it Sucks Eggs. So many people so many problems. Medical care almost put our lights out years ago. Sad isn't it? We worked like dogs our entire life. Now we have to live wondering what tomorrow will bring. Whatever. A day at a time I guess.

Insurance is a risk adjusted business....if you can't charge higher premiums for higher risk, then its not insurance. Should drivers with 3 DUI's pay the same auto insurance as a driver who has not had a ticket or accident for 20 years????

They did not pass the bill. They used a parliamentary procedure to "deem the house bill as passed" . So the chicken butts never really voted on it.

Did anyone hear Trump's Obamacare replacement plan during the debate last night that has been 4 years in the making? If so, kindly explain it to this forum.

Quote:

Originally Posted by Bay Kid (Post 1839741)

My family insurance in '08/'09 went from affordable to unaffordable. "If you like your doctor you can keep your doctor".

Obama took office in 2009, Obamacare was signed into law in 2010. Not sure your insurance increases were caused by Obamacare?

The number 1 cause of bankruptcy in America is for medical reasons., because the person is out of work or the bills are to high. The loss of this option will once again clog our emergency rooms and create more people filing bankruptcy, Oh wait that’s not going to happen because there is a wonderful plan ready for everyone, it’s going to be WONDERFUL,WONDERFUL

I find it most unusual that there has been zero activity on this "News and Current Events" sub forum for more than 48 hours. The last post was on this thread on Oct.1st at 10:04 am.

I'm writing this post as a "TEST" to see if this does, in fact, get posted.

Quote:

Originally Posted by coffeebean (Post 1842357)

Maybe people are finally tired of arguing about stuff?

Since when is the Affordable Care Plan "affordable"? The prices have skyrocketed. And it is difficult to find caregivers in the program. It is almost like having no insurance at all. It does need to be done away with and replaced with something that includes pre-existing conditions. From what I understand, the proposed replacement DOES include those.