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Thread: What if... (Health care)

  1. #1
    Member ryan's Avatar
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    What if... (Health care)

    ...a family of four who pays $13,375 for health insurance decides to cancel their health insurance, and instead pay the $1000 fine. God forbid poor little Billy gets cancer, but because of the pre-existing condition deally, now he can go get all the health care he needs.

    What's stopping this situation from playing out?
    Someone who can't balance a budget probably shouldn't be in a position to spend someone else's money.

  2. #2
    Member leftWNYbecauseofBS's Avatar
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    Quote Originally Posted by ryan View Post
    ...a family of four who pays $13,375 for health insurance decides to cancel their health insurance, and instead pay the $1000 fine. God forbid poor little Billy gets cancer, but because of the pre-existing condition deally, now he can go get all the health care he needs.

    What's stopping this situation from playing out?


    Interesting......

  3. #3
    Member NBuffaloResident's Avatar
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    An obvious choice to make.

    This is one reason why I don't understand how people are being forced to buy a commercial product.

    Of course, the increase in revenue can assist with the defraying the government's portion of the costs.
    Raptor Jesus: He went extinct for your sins.

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    Member leftWNYbecauseofBS's Avatar
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    Quote Originally Posted by NBuffaloResident View Post
    An obvious choice to make.

    This is one reason why I don't understand how people are being forced to buy a commercial product.

    Of course, the increase in revenue can assist with the defraying the government's portion of the costs.
    The fine is the representation of force.

    Man you are blind.

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    Quote Originally Posted by ryan View Post
    ...a family of four who pays $13,375 for health insurance decides to cancel their health insurance, and instead pay the $1000 fine. God forbid poor little Billy gets cancer, but because of the pre-existing condition deally, now he can go get all the health care he needs.

    What's stopping this situation from playing out?

    Nothing! They can sign up for HI whenever they need to use it, then cancel it and just pay the fine!

    Don't be suprised to see stuggling companies do this! It's cheaper to pay a $2,000 fine than $13000 a year plan! And i bet if you asked anyone they'd rather have a job with no HI, then no job and no HI! Except maybe NBR.
    "I know you guys enjoy reading my stuff because it all makes sense. "

    Dumbest post ever! Thanks for the laugh PO!

  6. #6
    Member NBuffaloResident's Avatar
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    Quote Originally Posted by leftWNYbecauseofBS View Post
    The fine is the representation of force.

    Man you are blind.
    You're starting to sound like Jim O.
    Quote Originally Posted by Dougles View Post
    Nothing! They can sign up for HI whenever they need to use it, then cancel it and just pay the fine!

    Don't be suprised to see stuggling companies do this! It's cheaper to pay a $2,000 fine than $13000 a year plan! And i bet if you asked anyone they'd rather have a job with no HI, then no job and no HI! Except maybe NBR.
    If you have no job, under this bill, you'll have health insurance...
    Raptor Jesus: He went extinct for your sins.

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    Quote Originally Posted by NBuffaloResident View Post

    If you have no job, under this bill, you'll have health insurance...
    I'm so glad i'll be broke and living without a house... but hey i'll be able to go see a doctor...

    but dont worry i'll feel wonderful living off someone else...
    "I know you guys enjoy reading my stuff because it all makes sense. "

    Dumbest post ever! Thanks for the laugh PO!

  8. #8
    Member NBuffaloResident's Avatar
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    Quote Originally Posted by Dougles View Post
    I'm so glad i'll be broke and living without a house... but hey i'll be able to go see a doctor...

    but dont worry i'll feel wonderful living off someone else...
    It's one less thing to worry about while unemployed. You'll be able to go and see a doctor.

    Doesn't help a job search if you are sick and unable to care; so you can continue your job search.

    But hey, unemployment wont be so bad. Some people are claiming just under half the doctors are going to retire. Medical field is looking better and better, eh?
    Raptor Jesus: He went extinct for your sins.

  9. #9
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    Curiously, I looked into health care for my son, who's an ironworker (when they work). He said it would be $2000 a month (through the union) for him and his wife.
    I have Independent Health since 1994 and been sick all that time as well. At that time it was $150 a month. I now pay $33.60. For my son it would be $1200, just HIM!
    So he goes without.

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    Member Eat My Gun's Avatar
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    Quote Originally Posted by ryan View Post
    ...a family of four who pays $13,375 for health insurance decides to cancel their health insurance, and instead pay the $1000 fine. God forbid poor little Billy gets cancer, but because of the pre-existing condition deally, now he can go get all the health care he needs.

    What's stopping this situation from playing out?
    Well, for one thing, if they can afford the $13,000+ for private health insurance, they likely won't qualify for the government subsidized health insurance.

    So they'd be paying the fine annually, but still remain uncovered.


    "I won't live by rules that make no sense to me." - Evan Tanner 1971-2008

    Transfixus sed non Mortuus

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    Member Linda_D's Avatar
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    Quote Originally Posted by ryan View Post
    ...a family of four who pays $13,375 for health insurance decides to cancel their health insurance, and instead pay the $1000 fine. God forbid poor little Billy gets cancer, but because of the pre-existing condition deally, now he can go get all the health care he needs.

    What's stopping this situation from playing out?
    Ever hear of a "waiting period" for coverage?

    Generally, health insurance policies, even through your employer, have a waiting period, usually 30-90 days. So, if you change jobs, you are covered by your previous employer's insurance for 30-90 days while waiting for your new employer's HI to take effect.

    I have no doubt that under the health reform law, insurance companies will have longer minimum waiting periods for coverage of pre-existing conditions -- and possibly even longer for people who choose to not carry health insurance just to prevent this scenario.

    Little Billy could run up $14,000 in medical bills in his first couple of weeks after diagnosis (not counting all the tests that would be needed prior to a definitive diagnosis).

  12. #12
    Member leftWNYbecauseofBS's Avatar
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    Quote Originally Posted by Linda_D View Post
    Ever hear of a "waiting period" for coverage?

    Generally, health insurance policies, even through your employer, have a waiting period, usually 30-90 days. So, if you change jobs, you are covered by your previous employer's insurance for 30-90 days while waiting for your new employer's HI to take effect.

    I have no doubt that under the health reform law, insurance companies will have longer minimum waiting periods for coverage of pre-existing conditions -- and possibly even longer for people who choose to not carry health insurance just to prevent this scenario.

    Little Billy could run up $14,000 in medical bills in his first couple of weeks after diagnosis (not counting all the tests that would be needed prior to a definitive diagnosis).

    You are wrong Linda.

    If President Obama and Nancy Pelosi said that people with pre-existing conditions can not be refused insurance...it MUST mean that the insurance companies are going to take anyone at any time. After all, extending the wait period...while not covered at all in the bill...is something that would be counter productive to those who really need insurance.

    Things like this simply do not happen. Not with our government. Corporations and policy makers simply do not find loopholes like this. So they can say one thing to the American public while on TV but do something else when the spotlight is no longer on. It just does.not.happen!

    That would be similar to saying the health care bill is not going to reduce the deficit because the % of aid given and who gets it is not going to change over the next 10 years.

    It just does not work like this.


    /sarcasm

  13. #13
    Member Brandon's Avatar
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    I see this problem with this 'loophole' as well.

    However, you can't be DENIED coverage, but they CAN charge you exhorbitant rates to get insurance after contracting something.

    This happened to me. I had cancer while I was covered by Independent Health in WNY. I fought the cancer, and won. 4 years later, I moved to Denver, Colorado. I had insurance the whole time. I was looking to move to a BCBS in Colorado. They told me that they couldn't deny me because of my pre-existing condition, but that the monthly fee would be $8,000. What?!?!?!?! I had no choice but to continue my coverage in New York and go back when I needed Doctor's visits.

  14. #14
    Member ryan's Avatar
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    Quote Originally Posted by Brandon View Post
    I see this problem with this 'loophole' as well.

    However, you can't be DENIED coverage, but they CAN charge you exhorbitant rates to get insurance after contracting something.

    This happened to me. I had cancer while I was covered by Independent Health in WNY. I fought the cancer, and won. 4 years later, I moved to Denver, Colorado. I had insurance the whole time. I was looking to move to a BCBS in Colorado. They told me that they couldn't deny me because of my pre-existing condition, but that the monthly fee would be $8,000. What?!?!?!?! I had no choice but to continue my coverage in New York and go back when I needed Doctor's visits.
    So does the bill fix this problem as well?

    Is there something stopping insurance companies from charging $8,000+ a month, as long as they're offering coverage?

    If not, doesn't this defeat the purpose of the bill?
    Someone who can't balance a budget probably shouldn't be in a position to spend someone else's money.

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    Quote Originally Posted by ryan View Post
    So does the bill fix this problem as well?

    Is there something stopping insurance companies from charging $8,000+ a month, as long as they're offering coverage?

    If not, doesn't this defeat the purpose of the bill?
    I do remember hearing about a "community rating" type system where it would cap them at either 150 or 200% of a healthy person. But i'm not sure it if was part of the House (didn't pass) or Senate bill (did pass).
    "I know you guys enjoy reading my stuff because it all makes sense. "

    Dumbest post ever! Thanks for the laugh PO!

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