Quote:
Originally Posted by pan6467
Here's the wiki page that even shows that pre-existing is presently covered after a maximum 1 year.
Pre-existing condition - Wikipedia, the free encyclopedia
They also have the proposed terms on pre-existing and they actually look worse than what we have now. (With the exception of including domestic violence as a non pre-existing). Hell, in some cases they won't take effect for 4 years.
And they allow premiums to be raised because of the pre-existing conditions. Which, if you are going for true reform, pre-existing should not exist at all. If people have a disease or health problem and lose their job and get new insurance that condition should still be treated regardless.BUT it won't be.
I like what I have. 1 year no treatment afterward treatment as necessary.
All this talk from Obama and the Dems about pre-existing and they really are not doing anything to improve it. Again, if anything they are making it worse, punishing those people like myself who have a disease and may or may not need treated for it. Raising our premiums for it is better? |
Sorry, pan....but you are just incorrect.
HIPAA provided some very small improvements in coverage for pre-existing conditions in the group (large employer-based) plan.
From the wiki:
he Health Insurance Portability and Accountability Act (Kassebaum-Kennedy Act) of 1996 (HIPAA) extended some minimal limits on pre-existing condition exclusions for all group health insurance plans—including the self-insured large group health insurance plans that cover half of those with employer-provided health insurance but are exempt from state insurance regulation
The
HIPAA FAQ explains it better than the wiki.
Under HIPAA, a plan is allowed to look back only 6 months for a condition that was present before the start of coverage in a group health plan. Specifically, the law says that a preexisting condition exclusion can be imposed on a condition only if medical advice, diagnosis, care, or treatment was recommended or received during the 6 months prior to your enrollment date in the plan.
And, limits on excluding pre-existing conditions in the individual market is left to the states.
To suggest the bill
"is not doing anything to improve it" or
"making it worse" (wtf - please explain how you come to that conclusion) is just nonsense. It fixes both the group and individual markets in a significant and unambiguous way...and it starts with no more denying coverage of any preexisting conditions in children...in ALL new health plans starting 6 months after the bill is enacted.
Please tell me, how this, along with adding 30+ million (mostly young and healthy) will add to your premiums.