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Darla
I was afraid to post that because I know that SF and Damo are going to go bug-shagging nuts and are probably going to be looking to kill me. SF is probably going to start screaming "Mutt" at me again. I'm kinda scared.
My health insurance...Thank you President Obama!
- Thread starter Jarod
- Start date
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The Almighty
I am sure you have read that. But it is false. They don't deny for any reason they want. They do deny new coverage for major health issues. Those people are the ones we need a solution for. We do not need a national health plan for everyone. Jarod is 100% lying. Period. I have written way too many contracts to believe him for even a second. In RARE cases you MIGHT get denied for high cholesterol. But it is generally a small insurer who does it. It is not the '3 big carriers' Jarod is proclaiming. It just doesn't happen. Especially ALL three.
The left has created a boogey man... just like shouting 'big oil is evilzzz' they have a good portion of the public believing the insurance companies just run around denying coverage to people on whims and laughing as they pull coverage as people get sick.
You will get denied for lying on an application, you will not get denied by 3 large carriers because you have high cholesterol. It just doesn't happen.
Thanks for posting, don't worry about Damo... He won't admit he is wrong and will call you a liar, but otherwise he is cool. I dono about Freak.
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The Almighty
I don't care about the high risk pool. I am saying unequivocally, he did not get denied coverage for high cholesterol by the three big carriers. Florida has access to Humana, BC/BS, United and Aetna. All four of which are also available in CO. Having written a wide variety of contracts with them, it has never happened. Not once.
He is lying. period.
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Darla
Oh, well that was Damo's claim, which that debunks.
Your claim I can't say one way or the other obviously, but again, he seems to me like he's telling the truth, and that's all I can say about it.
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Darla
Well, we have a fundamental disagreement here. They certainly deny claims all of the time, and most people who have used insurance are aware of this because it's happened to them, or they know someone it happened to. I don't want to conflate denial of claims (sometimes life-saving claims) with denial of initial coverage because those are two different things. But your claim that the left has created a boogeyman in insurance companies is complete, 100% crap. Period.
LOL. This is Kaiser's high risk pool. After Kaiser covered their required number they were able to close the program to new enrollees. It isn't for the entire state.
Here you go, from 2010... Florida still had the program, and there were providers available. (later this same year Obamacare passed). Just not Kaiser per the state program requisite number already being covered. (However, it is not their practice to reject for high cholesterol if that is the only indicator.)
http://www.statehealthfacts.org/profileind.jsp?ind=603&cat=7&rgn=11
Jarod is making crap up for the following reason:
Health care was available for high risk patients through the state's high risk pool (not Kaiser). Therefore he was not refused any coverage "at any cost" as he claimed. It didn't happen.
Now, Obamacare did provide for this:
http://reason.com/blog/2010/05/05/obamacares-high-risk-pools-put
And at this time, it is true, that the carriers cannot reject Jarod (or anybody else) for such things. I think this is good. I just don't like it when somebody makes up BS to try to pull at the heart strings. It is fabrication. He had health care available to him in his state, it was even expanded for the extent until the requirement for preexisting coverage came into effect through (partially) federal funding.
The only piece I reject is the "at any cost" rubbish he tried to pull.
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Darla
I don't really see how your link shows that Florida was accepting new people, and didn't have a waiting list. I have never had to do any of this, so I do not know if what you are saying is true about Kaiser, but if it is, your link doesn't prove it. As for the reason link, I'd sooner click on a porn link. What a joke Damo.
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Darla
Here's another link I found. Again, nothing stated it's just Kaiser and there are other high risk providers. I admit to not knowing a lot about this, but Damo, I'll be totally upfront - I don't believe you or trust you. YOu have earned the opposite. And that's why I think you have a lot of nerve calling Jarod a liar. So if you want people to believe what you are saying, that anyone who met the eligibility requirements was able to get into the high risk pool coverage, you are going to have show me that. Or I should say, if you want me to believe it. Show me. Your link fails to do so.
http://www.healthinsurance.org/florida"
does Florida have a health insurance high risk pool?
Florida Comprehensive Health Association (closed to new enrollees since 1991)
(850) 309-1200
IMPORTANT UPDATE: Starting in 2010, Florida started offering health care insurance coverage to residents through the federally established temporary high-risk pool program. To find out more about Florida's participation, click here.
Risk pools are state-sponsored programs to help people with a history of medical problems in their family to purchase coverage. These pools are for people who can afford to buy health insurance, but are not able to get underwritten in the private market because of a pre-existing health condition. These programs can vary significantly from state to state in price, benefits and number of people served. Often insurance companies doing business in the state are required to contribute to the pool to keep it in the black. In the best cases, they allow people to be able to switch jobs or become self-employed without the fear of losing their health insurance coverage. Read more about risk pools here.
http://www.healthinsurance.org/florida"
does Florida have a health insurance high risk pool?
Florida Comprehensive Health Association (closed to new enrollees since 1991)
(850) 309-1200
IMPORTANT UPDATE: Starting in 2010, Florida started offering health care insurance coverage to residents through the federally established temporary high-risk pool program. To find out more about Florida's participation, click here.
Risk pools are state-sponsored programs to help people with a history of medical problems in their family to purchase coverage. These pools are for people who can afford to buy health insurance, but are not able to get underwritten in the private market because of a pre-existing health condition. These programs can vary significantly from state to state in price, benefits and number of people served. Often insurance companies doing business in the state are required to contribute to the pool to keep it in the black. In the best cases, they allow people to be able to switch jobs or become self-employed without the fear of losing their health insurance coverage. Read more about risk pools here.
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Darla
http://www.flcomphealth.org/
The Florida Comprehensive Health Association (FCHA) was established by the Florida Legislature in 1982 to provide health insurance coverage to persons who could not get insurance through the commercial market because of pre-existing medical conditions. The Association’s operating costs and losses are covered by annual assessments on health insurance companies that sell individual and small group coverage in Florida.
Because of rapidly rising health care costs, FCHA has been closed to new enrollees since 1991, but continues to serve existing members.
The Florida Comprehensive Health Association (FCHA) was established by the Florida Legislature in 1982 to provide health insurance coverage to persons who could not get insurance through the commercial market because of pre-existing medical conditions. The Association’s operating costs and losses are covered by annual assessments on health insurance companies that sell individual and small group coverage in Florida.
Because of rapidly rising health care costs, FCHA has been closed to new enrollees since 1991, but continues to serve existing members.
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Darla
Damo, forgo the explanations, show me what you are talking about please. You could be right. Show me what you are talking about by linking to something that shows this is only Kaiser and other plans were accepting from the high risk pool, and I'll say so. I don't have a problem admitting I'm wrong. But I'll need to see that first.
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Darla
IMPORTANT UPDATE: Starting in 2010, Florida started offering health care insurance coverage to residents through the federally established temporary high-risk pool program. To find out more about Florida's participation, click here.
Okay, you bolded that in my post - I'm confused, what are you saying with that?
I stated earlier that Florida extended their program partially through federal funding in 2010. I bolded it because it says so.
Anyway, Darla.
I had to go back to the original post because people are forgetting what he claimed.
He was not denied from anybody in the past three months for preexisting conditions. It is flat fabrication. There is an available high risk pool in Florida. There was one passed in January of 2010, which I linked to earlier, which was partially federally funded. Later that same year Obamacare passed the house, since then preexisting conditions were covered.
He simply was not rejected in the "past three months" for health insurance "at any cost" as he claimed later in the thread. It didn't happen.
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Darla
Okay so before we move on to the original post, are you now agreeing that Florida was not accepting new enrollees until the federal funding of 2010? I'm just trying to get this straight. I find it all terribly confusing and I'm trying to follow it myself.
Again, his claim was in the "past three months" and that he was incapable of getting coverage "at any cost" at that time. It is a flat lie. Again, there was coverage available from the high risk pool which passed before Obamacare passed. This isn't difficult. Coverage was there to be had.
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Darla
But it is correct to say that Florida's high-risk pool was closed to new enrollees?
Not in the past three months. Again. I reject his claim because he was flat lying. I tried to give him an out, but he refused to take it. It is correct to say that he had available coverage through different means.