Under Obamacare you can't be turned down for insurance because of preexisting conditions but at what price?


What stops the insurance company from charging you and arm and a leg?

Written by Ralph in Politics


Better Answer

The price is the same if you have a pre-existing condition as if you do not have one, when it comes to the public option. If the insurance companies do not play ball, then the public option becomes goverment run.

I do not understand why so many Americans have fallen for lies about healthcare in the USA, abroad and also the planned reforms [1]. I mean, if the healthcare system in the USA is so good, why have no other nations taken it up? Could it be due to the following facts?
FACT - the USA spends more on healthcare PER PERSON than any other nation on the planet [2].
FACT - the US has higher death rates for kids under five than western European countries with universal health coverage [3].
Or if the US healthcare system is run so well, why not run the fire service like the healthcare system? [4]
Maybe that is because in the USA, before the reforms Obama brought in, insurance companies pushed up costs, bought politicians and refused to pay claims that people pay for [5]. (Look up Wendell Potter on YouTube to hear more if the link below is too long.)
Obama wants to make insurance cheaper, stop insurance companies from refusing health coverage to those with pre-existing conditions, and make sure they pay out when they are meant to [6], a system similar to that which works in Taiwan [7]. He debated this before he was elected [8].
Is it right that a dead American four year old would have had a better chance of life if they were born in Canada, Cuba, Germany and so many other industrialised nations with universal healthcare?
If you think my arguments are wrong, e-mail me with proof. But if you can not, let Obama try to help America. If he fails, vote him out in 2012.

Written by The Patriot


Other Answers

Some call it health reform, some Obamacare, yet many with a pre-existing health condition and no health insurance may call it a life saver. For them the wait for affordable health insurance may be over. The Pre-existing Condition Insurance Plan (PCIP), part of the new Affordable Care Act, is now enrolling. “For too long, Americans with pre-existing conditions have been locked out” said U.S. Department of Health and Human Services Secretary, Kathleen Sebelius. “The Pre-Existing Condition Insurance Plan gives them a new option – the same insurance coverage as a healthy individual.” Federally funded at $5 billion, PCIP is slated to provide a broad range of health coverage including primary and specialty care, hospital care, and prescription drugs. Once enrolled coverage begins immediately and will provide limitless health insurance coverage, low deductibles and low co-payments, at least in theory. Early enrollment is being encouraged, however, as PCIP's popularity may be substantial and there is concern that there may not be enough funding to meet the pent-up demand. By enrolling early you can ensure that you won't be put on a waiting list. The federal government, or states, will administer PCIP so enrollment costs and eligibility requirements may vary from state to state. PCIP will run until 2014 when it will be replaced by more affordable insurance exchanges from which even members of congress will have to purchase their insurance. In the meantime, the AIDS Drug Assistance and Ryan White programs will remain in place, that is for as long as they are funded. If you are in need of health insurance coverage due to a pre-existing condition visit http://www.healthcare.gov/ As enrollment may require proof of a pre-existing condition contact your care provider to collect those records. No-cost Health Tests for New Coverage Beginning September 23rd, insurers will no longer be able to charge co-payments and deductibles for standard diagnostic tests, screenings and preventative procedures on new health insurance policies.

Written by Bluegrassteaparty

How would they know to charge you an arm and a leg? They can't ask you if you have any pre existing conditions. They have to base their premiums on the medical costs of the pool of people they insure. Additionally, they have to spend at least 80% of the premiums collected from the pool of insured people on medical costs. They can't charge a higher price to someone in order to discourage them to buy insurance from them.

Written by Steve

Well, look whats happens......under new provisions now children cannot be turned down for pre-existing conditions, so what happened. Insurance companies started dropping child-only policies. This forces parents to find some other way to insure their children.

See some small companies insurance is very high when you begin adding dependents, like my mom's, to add my dad to her insurance plan at work would be over $700.00 a month just for him, so it is cheaper for him to purchase his own insurance plan. Same with alot of working parents, so now they are being forced to pay much higher premiums for their children.

Written by Anon

Chances are at a high premium,but still cheaper if you had to pay all medical bills out of pocket

Written by On The Left And Proud

"at what price?"

The price of your individual liberty, higher insurance and medical costs, higher denial rates.

But hey, no one can be turned down due to pre existing conditions. Now wasnt that worth the trade off?

Written by Bmovies60

The Free Market. You believe in the Free Market, don't you? At the beginning of your question you SOUND like someone who does, but you seem to have lost all faith in the idea by the end of your question!

Silly goose!

Written by Lordgodgoose

This is all uncharted territory and the answer is, we don't really know because this was a law to appease Big Insurance. No one can spin obamacare to sound more positive than an democrat appointee, right bluegrass? We are also to be taxed for employer provided insurance as income for the first time ever.

Written by Vivian

Obama care was intended to raise the cost of private medical insurance so high that most people couldn't afford it and would be forced to turn to the government for medical care.

Obama care was never meant to lower the cost or improve the quality of medical care. It is a naked power grab by the liberals in government to take more control over your life and your personal decisions.

Socialized medicine has been tried in many places and has always achieved the same results. Massively higher cost, lower quality of care, and rationing of medical care. This is what happens when you let the government be in charge of anything.

The reason the cost goes up so much is because you now not only have to pay for the medical care but also the government bureaucracy to control it.

The reason the quality of care goes down is because the bureaucrats are not doctors or medical care specialist, they are bureaucrats. They know nothing about medicine. All they know is how to increase the size of the bureaucracy, increase their budget, and to pass more regulations that are more restrictive.

Rationing occurs because the less the bureaucrats spend on your medical care the more money they can spend on themselves.

Obama care will be a great success. For the government and the bureaucrats. But it will be a huge failure for the people who need medical care.

Written by Bill J

Apparently nothing stops them from charging an arm and a leg, since they regularly hike their premiums anyway. Just another reason to go Single Payer, covers everyone, less operating costs, no premiums or co-pays.

Written by Igor T Unspeakable

Actually, Bluegrass, if you read the PCIP you will notice that people can be turned down at the Secretary's discretion. She can decide which conditions count, and which don't. They will also turn people away and kick them out of the program for budgetary reasons. The bill is easily found at Congress' website if you don't believe me. By the way, I have a preexisting condition, have had my insurance canceled due to illness, and cannot get a new policy. But you will never hear my say that Obamacare is a good idea. I've actually read the whole thing instead of just listening to the rhetoric.

Written by Qball

The price is the same if you have a pre-existing condition as if you do not have one, when it comes to the public option. If the insurance companies do not play ball, then the public option becomes goverment run.

I do not understand why so many Americans have fallen for lies about healthcare in the USA, abroad and also the planned reforms [1]. I mean, if the healthcare system in the USA is so good, why have no other nations taken it up? Could it be due to the following facts?
FACT - the USA spends more on healthcare PER PERSON than any other nation on the planet [2].
FACT - the US has higher death rates for kids under five than western European countries with universal health coverage [3].
Or if the US healthcare system is run so well, why not run the fire service like the healthcare system? [4]
Maybe that is because in the USA, before the reforms Obama brought in, insurance companies pushed up costs, bought politicians and refused to pay claims that people pay for [5]. (Look up Wendell Potter on YouTube to hear more if the link below is too long.)
Obama wants to make insurance cheaper, stop insurance companies from refusing health coverage to those with pre-existing conditions, and make sure they pay out when they are meant to [6], a system similar to that which works in Taiwan [7]. He debated this before he was elected [8].
Is it right that a dead American four year old would have had a better chance of life if they were born in Canada, Cuba, Germany and so many other industrialised nations with universal healthcare?
If you think my arguments are wrong, e-mail me with proof. But if you can not, let Obama try to help America. If he fails, vote him out in 2012.

Written by The Patriot