They already use that statistical data for acceptance for life insurance and to set life insurance premiums.
Covid Vaccines
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They already use that statistical data for acceptance for life insurance and to set life insurance premiums.
almost_hectic
Well-known member
Those things they fight are paying claims. Im talking about increases in premiums. Once they raise your rate theres likely nothing you are going to be able to do about it. Even if you eliminated the things they say are the reason you cost more to cover, I bet it would be too late and they'll say it doesn't work that way. Like, once you reach certain ages your rates will go up and up... that one has always made me wonder how they can get away with it. How is that not discrimination based on age?
Ha!
So right now tests take a few days to get results. You can get faster results for a fee.
You can get priority testing for a fee.
If you are reading tea leaves, this is the deck stacked up for the unvaccinated.
As for insurance fees, the premiums reflect you. Try to buy insurance with your "pre-existing" valve condition and see what you get. Now insurance folks being clever do not charge but give discounts, so if you go to the gym, you get a discount. Like the good driver discount lol.
James
So right now tests take a few days to get results. You can get faster results for a fee.
You can get priority testing for a fee.
If you are reading tea leaves, this is the deck stacked up for the unvaccinated.
As for insurance fees, the premiums reflect you. Try to buy insurance with your "pre-existing" valve condition and see what you get. Now insurance folks being clever do not charge but give discounts, so if you go to the gym, you get a discount. Like the good driver discount lol.
James
almost_hectic
Well-known member
That used to be the case. They changed that though when they made it so they had to cover pre-existing conditions. Thats why Im even able to buy insurance now. My personal health insurance used to be the size of a mortgage payment before that. Now they don't ask anything your rate is just based on your age. They used to charge women more for health insurance because it cost more to cover female medical needs then mens medical needs. But then they said that was discrimination against women. So that why I wonder now, if thats really how they see it, how can they charge more based on age? Isn't that also discimantion? Even though its obvious why it costs more...
carolinemc
Well-known member
I lived in the days when they could refuse coverage if you found out that you have high blood pressure, heart disease, or any other genetic defect. Not that long ago, I was a kid back in the 1970's and even back then it was hard to get coverage for those genetic defects. And then in the 1980's, if you had cancer, the hospital and life insurance would drop you like a hot potato. Then in 1990's things got changed under Clinton that no one could be refused health insurance for pre-existing health conditions. Nor could life insurance, who refused heart patients for many years, even after OPH. I would hate for that to be brought back. Sad. And many people died from their pre-existing conditions due to the lack of health insurance many years ago.
carolinemc
Well-known member
Who is refused medical and life insurance in America from having a pre-existing condition? No on I know of and I was able to get health and life insurance from the job with a birth defect and type 2 diabetes. I never heard of waiting days for blood results fee. I never pay a fee to get same day results.
pellicle
Professional Dingbat, Guru and Merkintologist
if we all did it most certainly would have.
its made it to Africa now, so we've lost the war. Its now global and permenant.
that is indeed part of its goal, the other part of the goal of vaccination is to give less opportunity to mutate, as I said:
pellicle
Professional Dingbat, Guru and Merkintologist
interesting point ... as an Australian I would be interested to know just how much choice you have as a consumer in America. I was under the impression it was employer funded, thus reducing the gamut of what you could get from "the market"
Superman
Well-known member
I was able buy my own life insurance in my 20’s. This was after I had one valve replacement as a teenager. It wasn’t that expensive. However after my aneurysm repair, I haven’t been able to buy it again to increase my term or coverage. I can still get seven times my salary in life insurance for cheap through work though.
Sure, you or your Dr. may be able to request tests/results quicker (e.g. "Stat") in an emergency situation. And sure, it likely will cost your more the same way as if you want your business suit pressed the same day or want next day delivery (think Amazon PRIME).
After the passage of the Affordable Care Act (ACA) in 2010 in the US, it's illegal for health insurance companies to deny you medical coverage or raise your premiums due to a pre-existing condition (unless you are still enrolled in a "grandfathered plan" that started before 2010).
almost_hectic
Well-known member
Its only funded by your employer if they offer it and not always at 100%, sometimes its only 50% of the cost. Only companies more than 50 employees are obligated to offer it. If they do theres very few options, its basically what the company chooses, you may have a few plans to select from. Anyone can buy it direct from the insurance company, or the ACA marketplace. In either case buying your own plan you have several carriers to choose from and literally hundreds of different plan options based on coverages, deductible and premium amounts. All of which have different quality of coverage and out of pocket limits. Depending on your income level, if you go through the ACA marketplace you may qualify for a subsidy which greatly lowers your monthly premium. Some case down to almost zero dollars. It always baffles me in our country when I see a gofundme started for someone who had to have some form of surgery or hospital stay and now has humongous debt in medical bills they owe and have no idea how they will ever pay it off. Anyone can buy insurance in our country, some still choose not to now that its no longer the law. But the hard luck stories that you read about for these people who can't pay their own bills because they make little to no money... those are the people who can buy coverage for stupid cheap or next to nothing. Still they opted not to... and they wound up in tremendous debt.
In the US, most, if not all states, we still have the freedom of choice - we can enroll in health insurance plans through the government market/exchange (called the Affordable Care Act - ACA, through the open market (aka individual plans), and through an employer plan (aka group plan). Once you reach age 65, then you are enrolled in the Federal heath insurance plan called Medicare.
The current administration, along with some folks in this forum, are in favor of a "single-payer" public/government system. i.e. "Medicare for all". This would reduce/eliminate the freedom of choice for individuals to shop around to find the best plan suitable for their situation.
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It's been a while since I was in the Life and Health insurance business, but I think the "rules" for life insurance have not changed a great deal since I retired. It can be difficult to obtain standard coverage after you have had major surgery......at least for several years. If you are employed and have group life insurance you always have the right to convert all, or some, of that coverage to a personal policy if you leave that employer. Most plans only allow conversion to a permanent, or Whole Life policy. At first glance, the conversion premium seems pretty high, and it is. However, such policies do accumulate Cash Value. I did this once, back in the late 1970s and I still have that policy at age 85. However, the policy has increased to 125% of the original death benefit and I have not had to make a premium payment for 20 years........so it's a case of "pay me now or pay me later"
I'm not up-to-date on Health Insurance anymore......retired 25 years ago and have been on Medicare for 20 years. It is my understanding that individual coverage no longer requires satisfactory health evidence and is issued at standard premium rates altho my guess is there is some pre-existing condition restriction (but I am not sure of this).
pellicle
Professional Dingbat, Guru and Merkintologist
Thought this was funny
Another lie is "freedom of choice" when it comes to health insurance. Do you get insurance choices at work (and I am not talking plans)? Do you get to say I want health insurance but not this coverage or that coverage? Health Insurance is not auto insurance. Your body is not worth less as you age for you to say nah...I don't need comprehensive coverage.
Do you have a choice of flavors of unemployment insurance?
Do you have a choice of social security taxes?
Do you have a choice on income taxes?
Do these uniform taxes make us equals? Is your life style equal to mine?
I am all for a sophisticated system that rewards healthier choices. People who own houses are subsidized by renters. Maybe a benefit statement every year that gives discounts to younger, healthier people but allows older, sicker people affordable health coverage.
Before I am called a commie lover, think seniors and what social security and medicare means to them.
Do you have a choice of flavors of unemployment insurance?
Do you have a choice of social security taxes?
Do you have a choice on income taxes?
Do these uniform taxes make us equals? Is your life style equal to mine?
I am all for a sophisticated system that rewards healthier choices. People who own houses are subsidized by renters. Maybe a benefit statement every year that gives discounts to younger, healthier people but allows older, sicker people affordable health coverage.
Before I am called a commie lover, think seniors and what social security and medicare means to them.
slipkid
Well-known member
That's a new one on me.
In 2000 I lost my job due to a merger. After my coverage through COBRA ran out in about a year or so, I could NOT get health insurance even from my previous provider of 20 years despite never having a serious illness. I was turned down for "allergies" believe it or not. Then also turned down at another provider I "applied" to for IBS. It was ridiculous. Had to call some kind of state agency for help, and it was only thanks to them that I learned in my state that BC/BS had one non-group policy which by law anyone who could prove they were still insured were guaranteed coverage without having to fill out any sort of application etc. The policy was not that great and rather expensive but at least I had something. I don't think Clinton had anything to do with it. But yeah, he did create COBRA coverage at least I believe (?)...but that is short term coverage only based on how many years you worked prior and once it ran out you were at the mercy of the insurers who all turned down anyone that had any pre-existing condition whatsoever (and mostly the condition was that you were simply "alive" IMO).
slipkid
Well-known member
As far as I understand it that is an untrue exaggeration trumped up by the for profit insurance agency as with many of anti-vaxing b.s.
"Medicare for all", single payer system, something with strict controls to keep prices down, would be made available to anyone that wants it.
But anyone that does not, well they are free to buy any plan they want from any provider that they want.
People like to rave about US health care. In the US almost all companies require you to pay a part of their premium. The exception is usually federal or local governments and some unions provide no-premium or no-deductible coverage (very rare)For a typical family I have seen that portion be several hundred $$ a month. And then you generally have copays which (in many plans supporting Obomacare standards) usually means you pay 100% of the insurance negotiated cost up to a deductible and for me and my wife this year is is $1900 each this year. So when you think about it before insurance kicks in we have paid probably $2500 in premium and $3800 out of pocket each year. If we had kids it would be higher.
And we like to brag about your choice of doctor which is only partially true. Sure I can pick my doctor most times, but the lab or facility that does procedures may or may not be "in-network" and if they are not, those are higher and separate deductibles. Oh and call an Ambulance and most are not in network with any insurance carrier.
When I go to my doctor if I need blood work I need to go to a lab as the doctor's blood work people are with a company not in-network.
The people that brag about the US Health Insurance systems usually have not used it extensively.
That said when I had my OHS 2 years ago my total out of pocket was $5000 (not including premiums) after that everything else that year was $0. But think about it, to get to $5000 out of pocket I had to pay the first $1500 (that's years deductible) then 20% of the remaining bills until I paid $5000.
One of the main reasons I went to Cleveland Clinic was the excellent reputation, but the second benefit was they were a single biller facility. All doctors work for them, so I got one itemized bill. Most hospitals do not work that way. You get a bill from hospital, DR, anesthesia, etc. Heck my Colonoscopy last month has at least 4 bills I get (DR, anesthesia, the clinic and pathology). A very inefficient and wasteful systems.
ObomaCare costs are usually higher form similar coverage or cost less with less coverage. I have no clue how a young family with kids survives on minimum wage or even $50K a year.
Even 15 years ago this was a big deal. If you switched jobs and had a pre-existing condition you would not be covered for that for some period of time. While it is better today single payer is the way to go.
ObomaCare was a great step in right direction, but unfortunately did not go far enough as they knew it would not pass if it went full single payer. And I am sure even if we implemented single payer today the first 5 or so years would be bumpy and people would be complaining, but give it a decade and people will kill you if you try and take it away.
cldlhd
Well-known member
Also I don't believe Biden has come out for Medicare for all. That was Bernie Sanders position
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