Tuesday, August 11, 2009

Question of the Day

Do most people really know what the hell they are talking about when they demand that health insurance companies cover pre-existing conditions?

That is really like demanding insurance companies sell you fire insurance after you have already had the fire that you want covered, i.e. a pre-existing condition.


  1. No they don't know. They have it in their heads that they should get something for free. They have endless lines of politicians, academics, media, religious leaders, etc., all reinforcing this idea. They don't think about it at all past that point.

  2. It's a fundamental misunderstanding of how insurance is supposed to work. People with pre-existing conditions are high risk, and therefore must be discriminated against. If they are not discriminated against, a high risk person's premium does not reflect their level of risk. In order for insurance markets to work, people with pre-existing conditions (i.e. high risk) should either be denied coverage, or be charged high premiums. But of course the public doesn't give a damn because they want a free lunch.

  3. Thank you! I'm one of those high risk pre-existing condition ppl out there that can't get insurance because of my condition. BUT....

    and I emphasize the BUT, I do completely understand why they are denying me and while I could really really use the help with the medical bills it is not anyone else's responsibility to pay for me because I am sick.

    It's pure insanity and frankly selfish for these ppl to demand that the entire country pay for their bills. If someone wants to donate out of the kindness of their heart or because of a tax break (*grin*) to help cover my medical expenses then that's awesome but forcing ppl, who can barely pay for their own expenses, to pay for mine as well is tragically wrong.

    Forcing health insurance companies to remove the "pre-existing condition" clause or forcing government controlled healthcare on the country is only to screw up the system even more. 99.999% of all hospitals and doctor's offices have payment plans for ppl and they are more than willing to work with you if you need treatment and can't afford to pay all of it up front. There are also 100's of 1000's of organizations out there that help people in need with their medical costs. Why does the government feel compelled to jump in and take over?

    When you look at the whole debate from an aerial view it really does only come down to ppl not wanting to have to pay for their own illnesses or medical needs. They want it for free and they don't care what the consequences are. And the government sees an opportunity to dip their hands into the profits from the medical industry and it also gives them even more control over our lives at the same time. It's a pretty sweet deal for them all the way around. Remember, "It's for the children...."