Cancel 2016.2
The Almighty
I am not about to give a complete douche bag like you my private email address. You can redact your info and post it here.
My health insurance...Thank you President Obama!
- Thread starter Jarod
- Start date
I am not about to give a complete douche bag like you my private email address. You can redact your info and post it here.
christiefan915
Catalyst
Absolutely. When my employer changed companies I had to fight tooth and nail to get migraine treatment covered. And that meant one check-up a year with the neurologist and a couple of pills a month. And as far as high cholesterol, check this out. Companies could very easily deny coverage for it.
One in Two Americans Has a Pre-Existing Condition
This new analysis sheds light on the number of Americans gaining protections from discrimination based on pre-existing conditions under the Affordable Care Act. Because pre-existing conditions are determined by insurer practices which vary, two estimates of the number of non-elderly individuals likely to be denied coverage in the individual market were constructed. The first includes only conditions that were identified using eligibility guidelines from State-run high-risk pools that pre-dated the Affordable Care Act. These programs generally insure individuals who are rejected by private insurers. As such, the “lower bound” estimates are people with a health problem likely to lead to a denial or significant mark-up or carve-out of benefits. The second includes additional common health and mental health conditions (e.g., arthritis, asthma, high cholesterol, hypertension, and obesity) that would result in an automatic denial of coverage, exclusion of the condition, or higher premiums according to major health insurers’ underwriting guidelines identified using internet searches. Individuals with these conditions would at least get charged a higher premium but could also have benefits carved out or be denied coverage altogether. Both estimates are based on the most recent data available for 2008 (for a full description, see the Methodology section).
http://www.healthcare.gov/law/resources/reports/preexisting.html
Run from the truth as fast as you can!
Untill you posted it here and I researched it, I did not even know Floirida previously had a Pre-Existing program, so calling me a liar was pre-mature on your part. I said that without the Program I could not get in surance at any cost. I know it helps your ego to pretend I am lying, but Im not.
Cancel 2016.11
Darla
I believe you Jarod. I really do, not because you're "on my side". Just because it seems like you are telling the truth to me.
BTW - It isn't that I don't like the requirement to cover preexisting conditions. I just don't like false information foisted on us through "personal anecdotes"...
It's utter fabrication that you could not get insurance "at any cost" as you said previously. It just flat wasn't true.
It's utter fabrication that you could not get insurance "at any cost" as you said previously. It just flat wasn't true.
Cancel 2016.2
The Almighty
So, not wanting to disclose my private email is preventing you from posting the redacted document here? You realize you can just redact it and upload it here where we can all see it?
you are a liar Jarod. Period.
You did not get denied coverage by the three largest carriers in FL just because of high cholesterol. PERIOD. You are lying. PERIOD.
christiefan915
Catalyst
I do, too. Companies aren't looking at high cholesterol as a stand alone problem, but at the fact it can lead to heart attacks, strokes, etc. All of those things cost a lot more to treat than a daily pill for HC.
Cancel 2016.2
The Almighty
LMAO.... so despite this NOT being a condition that typically gets a person denied coverage, you are going to believe him? Seriously, this is truly comical. So many of you just want the Obamacare saved Jarod story to be true, you ignore the FACT that the likelihood of his story being true is next to ZERO.
christiefan915
Catalyst
I'm not even looking at it as "Obamacare saved Jarod", but as the fact that insurance companies will go to any length to deny coverage if they think it'll cost them a pretty penny in the final analysis.
It is true, other than this program I could not get insurance at any cost. I applied to three programs and was denied. I was not given any alternatate insurance program and when I asked they said they did not have anything for me.
No, it is not true. Again, your state is one of 35 that have had high risk pools from which you could get insurance since before Obama's malformation.
Quit lying. It is a flat untruth.
You tried to move the posts in an earlier post saying it was "your understanding" that it costs more... Again, that means you either lied then or you are flat lying now.
You made up a crappy anecdote and are trying to force feed me stupid so I'll believe you. I don't. Because it isn't true that you could not get insurance "at any cost". You didn't think I would check on whether insurance was available in your area for high risk groups. I get that, but once it was done you should have just admitted your anecdote was crap rather than trying to make me believe what is patently and clearly a falsehood.
The State program does not exist currently. I was unable to get insurance at any cost. To call someone a liar due to a different interperation of what they are saying is unnecessarly argumentative and illistrative of your ego being wraped up into your incorrect position.
Again, utter nonsense.
There are several reasons why this story is false, I'll list the main one here.
Before Obamacare you lived in a state where insurance was available to you, even with high risk factors. It is still available to you. You simply were not rejected for preexisting conditions and unable to obtain insurance "at any cost" while living where you live. It didn't happen, it is false.
I don't like it when somebody who normally is clearly more intelligent than this tries to feed me stupid as an argument. Please don't go all 1/3 on me now.
I was. The State program does not currently exist. I was dependent on the Federal Program. Its as simple as that.
Cancel 2016.11
Darla
From what I've read insurance companies deny coverage for any reason they want. They deny claims the same way. Then they wait and see who gets an attorney, or causes enough trouble for them to reverse. To me this has nothing to do with wanting Obama's plan to have "Saved" anybody. I just really get the feeling that Jarod is telling the truth.
The only time the state program "didn't exist" you had coverage through other means.
Again.
You are flat lying about being unable to obtain insurance "at any cost". It didn't happen.
I grow tired of this stupidity from somebody I expect more from.
The state of Florida had a high risk pool before, and then in 2010 started using the Federally provided funds for that same program...
It simply didn't happen that you were rejected for this and unable to obtain insurance "at any cost" while living where you did because there was coverage available.
I understand you want Obama to be your savior. But in this case you came up with a false claim that was proven false.
Cancel 2016.11
Darla
High-risk pools are also extremely expensive for states to operate. Because most states do not
have sufficient funding to cover everyone who needs coverage, states are forced to implement
enrollment caps and strict eligibility requirements, purposely limiting enrollment. Although the
"California high-risk pool does not currently have a wait list, it had a wait list for most of its
existence because state funding comes from tobacco taxes. Enrollment is currently capped at
7,100 enrollees. Illinois also had a wait list in 2004 and 2005 and Florida’s high-risk pool has been
closed to new enrollment since 2001. Nationally, the Government Accountability Office
estimates that 3.97 million people may be eligible for state high-risk pools based on their
uninsured status and pre-existing health conditions.35"
http://www.kff.org/uninsured/upload/8041.pdf
have sufficient funding to cover everyone who needs coverage, states are forced to implement
enrollment caps and strict eligibility requirements, purposely limiting enrollment. Although the
"California high-risk pool does not currently have a wait list, it had a wait list for most of its
existence because state funding comes from tobacco taxes. Enrollment is currently capped at
7,100 enrollees. Illinois also had a wait list in 2004 and 2005 and Florida’s high-risk pool has been
closed to new enrollment since 2001. Nationally, the Government Accountability Office
estimates that 3.97 million people may be eligible for state high-risk pools based on their
uninsured status and pre-existing health conditions.35"
http://www.kff.org/uninsured/upload/8041.pdf