USA burning, Obama still doesnt smell the smoke.

[formerlurker]

The "pre-existing denial" is contingent upon mandates.  Without increasing the overall pool of healthy people, insurance companies will not be able to cover the the pre-existing conditions.  People will wait until they need insurance before buying it.

That will bankrupt the companies, and eventually lead to a single payer program.  There has to be a better way.

You are talking a very small percentage of folks, and those folks who wait will deal with premiums that match their risk (like the driver who can't drive 100 ft without hitting something).    

[NHSparky]

Yep--and like all other types of insurance, the pain will be spread around.  Dumping 30 million more people in the system, and costs WON'T go up?  Someone is fuller of shit than Charlie Schumer.

[formerlurker]

Yep--and like all other types of insurance, the pain will be spread around.  Dumping 30 million more people in the system, and costs WON'T go up?  Someone is fuller of shit than Charlie Schumer.

Yes to some extent.   However the policy will move from employer based (where actuary tables are built for that employer's risk pool which is why municipalities get slammed as insuring firemen and police officers is extremely expensive) to individual, which will be more like an auto policy.   While geographic location (and other similar considerations) does play into the underwriting decisions of premiums development, it will be very individually based to capture that person/family's risk.   

[thundley4]

You are talking a very small percentage of folks, and those folks who wait will deal with premiums that match their risk (like the driver who can't drive 100 ft without hitting something).    

But if the companies are allowed to charge higher premiums for preexisting conditions, for those who wait until they need it,  then they can be charged enough to not make the company lose money on them. But this current bill also has setting up a price commission to set rates.

If preexisting conditions are mandated to be covered, then there has to be a mandate that everyone be insured.

[formerlurker]

But if the companies are allowed to charge higher premiums for preexisting conditions, for those who wait until they need it,  then they can be charged enough to not make the company lose money on them. But this current bill also has setting up a price commission to set rates.

If preexisting conditions are mandated to be covered, then there has to be a mandate that everyone be insured.

Wait -- who said that will stay intact?    Presently insurance carriers deny pre-existing conditions until a waiting period is met (usually a year or so).    That will be removed.   They will of course have to pay a premium that matches their risk to obtain that coverage.

[thundley4]

Wait -- who said that will stay intact? 

That's my point, though.  The Dems will fight tooth and nail to keep it in the current law. There is more in this bill that is detrimental to us and the economy than there is useful items. It would be much better to scrap the whole thing.  Use the good parts as the  basis for a new law.

[formerlurker]

That's my point, though.  The Dems will fight tooth and nail to keep it in the current law. There is more in this bill that is detrimental to us and the economy than there is useful items. It would be much better to scrap the whole thing.  Use the good parts as the  basis for a new law.

I hear you on that.  I am just thinking of the best way to get it through Congress, but you are probably right.

[thundley4]

I hear you on that.  I am just thinking of the best way to get it through Congress, but you are probably right.

I'm always RIGHT.........of center. 

[bkg]

But something does have to be done about those with that problem. 

According to whom?  I have pre-existing conditions and I've been denied (I have to admit, it annoyed me, because they denied a checkup).

The only way to manage it will be the free market. Just like the free market created an opportunity for those with shitty driving records, they'll create one for people with medical conditions - past or present.

[thundley4]

According to whom?  I have pre-existing conditions and I've been denied (I have to admit, it annoyed me, because they denied a checkup).

The only way to manage it will be the free market. Just like the free market created an opportunity for those with shitty driving records, they'll create one for people with medical conditions - past or present.

One problem is that "preexisting" needs to be defined.  There have been several cases of babies being born whose families had insurance, but the baby was born with a birth defect. Several times the families have had to fight for coverage, because the insurer claimed it was preexisting.

[The Village Idiot]

The only way to manage it will be the free market. Just like the free market created an opportunity for those with shitty driving records, they'll create one for people with medical conditions - past or present.

We don't have a free market and we haven't had one in a long long time.

[bkg]

We don't have a free market and we haven't had one in a long long time.

So what's your point? That because gov't has been fawking it up for so long, we should ignore the fact that the free market would work this out?

[The Village Idiot]

Of course not.

It means we have to MAKE a free market.

[Javelin]

In November the balance will be restored in mid-term elections.  In January the GOP will control the House again.   Obamacare will not be funded.   End of socialist reign.  

Lol your asking me to put my faith in the people that instituted the Patriot Act.  Sorry bro, but while I may vote for them for I have no other choice I do not put that much faith in them.

Its far too much money and power to just let slip away into the night.  I really do wish I could have your optimism but the reality that I see all to often tells me that its just a pipe dream.

I hope your right and if you are I will buy you a case of beer, but to get the beer the whole bill must be scrapped.  I will put my beer on the line of this one.   

[Lacarnut]

Lol your asking me to put my faith in the people that instituted the Patriot Act.  Sorry bro, but while I may vote for them for I have no other choice I do not put that much faith in them.

Its far too much money and power to just let slip away into the night.  I really do wish I could have your optimism but the reality that I see all to often tells me that its just a pipe dream.

I hope your right and if you are I will buy you a case of beer, but to get the beer the whole bill must be scrapped.  I will put my beer on the line of this one.   

No way in hell will the whole bill be scrapped. Parts of it may be and the S.C. will throw out a few parts here and there. Getting the bad parts like abortion funding and forced participation will be a good start.