THE SECURITY YOU GET from health insurance reform:

Bait and switch

from JoeUser Forums
  • No Discrimination for Pre-Existing Conditions
  • Insurance companies will be prohibited from refusing you coverage because of your medical history.
  • No Exorbitant Out-of-Pocket Expenses, Deductibles or Co-Pays
  • Insurance companies will have to abide by yearly caps on how much they can charge for out-of-pocket expenses.
  • No Cost-Sharing for Preventive Care
  • Insurance companies must fully cover, without charge, regular checkups and tests that help you prevent illness, such as mammograms or eye and foot exams for diabetics.
  • No Dropping of Coverage for Seriously Ill
  • Insurance companies will be prohibited from dropping or watering down insurance coverage for those who become seriously ill.
  • No Gender Discrimination
  • Insurance companies will be prohibited from charging you more because of your gender.
  • No Annual or Lifetime Caps on Coverage
  • Insurance companies will be prevented from placing annual or lifetime caps on the coverage you receive.
  • Extended Coverage for Young Adults
  • Children would continue to be eligible for family coverage through the age of 26.
  • Guaranteed Insurance Renewal
  • Insurance companies will be required to renew any policy as long as the policyholder pays their premium in full. Insurance companies won't be allowed to refuse renewal because someone became sick.
politics
4,172 views 3 replies
Reply #1 from JoeUser Forums Top

This is great! This is what the president is promising us all and is commendable. The issue I have is that his stated goal before he was elected is a single payer system meaning the government is the single payer. If that is correct then insurance companies will be excluded from the equation and all the promises will fade away with the insurance companies.

 

The healthcare bills floating through the Congress, are saying that you get to keep your insurance until there is a change, once your policy is changed you must get government coverage. If that is the case then the insurance companies will go out of business, they will die on the vine so to speak. The president is promising one thing and the Congress is forcing something completely different on us. Bait and switch is the order of the day.

Reply #2 from JoeUser Forums Top

Since achieving all those objectives without the ability to levy taxes is impossible, no health insurance company could possibly provide those policy features for a price anyone could afford.  Which is their intent, of course.

Some of them could be achieved, no question, but none without a cost.

Galactic Civilizations IV
Reply #3 from JoeUser Forums Top

Some of them could be achieved, no question, but none without a cost.
End of quote

But that is what is so great about the plan. At this point the President is not talking about caping the costs. Insurance companies will raise rates accordingly but the government can always under cut them. The government is forbiddn by law to make a profit so it can charge as little as it wants.