5 Freedoms You'd Lose in Health Care Reform

[luckytxn 2,264]

Ok, moderation is the key to all things. Sip the koolaid and don't guzzle. Obama the Socialist is a politician and will say anything to get his way like he did to get elected.

[w¡n9Nµ7 §£@¥€r 123]

Yes they can and they do. Its called exceeding lifetime benefit limits. anyone with a cronic health problem can be dropped by their insurance group ...

Your words:

Once the doctors had worked out the best plan to try to slow down the progresion of his MS, his insurance company wrote to him informing him that they can not continue to cover him and his coverage was cancelled.

You made it sound like his coverage was canceled after the doctors had worked out a plan, but before the plan was actually executed.

Lifetime benefit limits are usually in the millions, how did he hit the limit if coverage was canceled before the treatment plan was even executed?

[KarenCee 3]

Ok, moderation is the key to all things. Sip the koolaid and don't guzzle. Obama the Socialist is a politician and will say anything to get his way like he did to get elected.

What politician DOESN'T say anything to get elected?

[TayRivers 4]

Yes they can and they do. Its called exceeding lifetime benefit limits. anyone with a cronic health problem can be dropped by their insurance group ...

Your words:

Once the doctors had worked out the best plan to try to slow down the progresion of his MS, his insurance company wrote to him informing him that they can not continue to cover him and his coverage was cancelled.

You made it sound like his coverage was canceled after the doctors had worked out a plan, but before the plan was actually executed.

Lifetime benefit limits are usually in the millions, how did he hit the limit if coverage was canceled before the treatment plan was even executed?

Ok so you want all the details of his situation...

He had some tests done when he was a teanager because of strange pins & needles in his feet.. Fast forward to his late twentys he starts to get more strange symptoms, sees his PCP on many occassions lots of tests done, no conclusive diagnoses.. fast forward to his mid thirties.. wakes up one morning unable to see from his right eye. Goes to ER is seen by a Nuerologist lots and lots of major tests done and was informed 3 weeks later he had MS, he starts Injectable drugs for his MS along with a vast cocktail of oral drugs. The injections cost $2,450 per 30 days, at first the insurance company say to submit the request for the drugs and they will advise.. They request access to his medical records which was given and then 1 month later he get denied for any treatment to do with his MS as they say he did not disclose prior symtoms. They then notified his employer that they will continue to cover him for other medical needs but it would be at a higher primium. His employer can not afford to pick up the extra cost so the insurance was cancelled. They wrote to hime and sent information about COBRA but as my brother-inlaw has already had to reduce his working hours he can not affored to pay the cost involved. He is covered under the states uninsurable pool but that does not cover anything other than emergencies.

So yes you can be left with no health insurance and no way to get the treatment that you need to keep you from becoming totally disabled.

So please retract your statement calling me a lier.

[DeadPoolX 9]

Ok, moderation is the key to all things. Sip the koolaid and don't guzzle. Obama the Socialist is a politician and will say anything to get his way like he did to get elected.

What politician DOESN'T say anything to get elected?

None that I know of, which is why I distrust politicians.

[mawilson 2,133]

1 month later he get denied for any treatment to do with his MS as they say he did not disclose prior symtoms.

...

So please retract your statement calling me a lier.

You're not a liar, but it looks like he is.

[Peikko 1,575]

Ok, moderation is the key to all things. Sip the koolaid and don't guzzle. Obama the Socialist is a politician and will say anything to get his way like he did to get elected.

What politician DOESN'T say anything to get elected?

None that I know of, which is why I distrust politicians.

Quite right too. The problem is most people only distrust the politicians they don't ideologically agree with and the media that most people use as a source of information on what the government is up to does not give enough information for people to hold the government to account. People need to be more proactive in holding elected officials to account and things might improve - not like they can get worse.

[TayRivers 4]

1 month later he get denied for any treatment to do with his MS as they say he did not disclose prior symtoms.

...

So please retract your statement calling me a lier.

You're not a liar, but it looks like he is.

He did not know he had MS before he lost the sight in his eye. so how could he disclose anything. even his PCP did not know it was MS.

Anyway the end result is that he has no insurance that will help with the treatment of his MS. Even if he gave up work and claimed SSDI he would have to wait 12 month to qualify for medicare.

[Peikko 1,575]

1 month later he get denied for any treatment to do with his MS as they say he did not disclose prior symtoms.

...

So please retract your statement calling me a lier.

You're not a liar, but it looks like he is.

That's harsh - as is being dumped for non disclosure of undetermined symptoms, and we don't yet know that he did not disclose what he knew but what he knew might not be what the insurers deemed adequate. Whatever way you slice it, that's a harsh sentence.

[w¡n9Nµ7 §£@¥€r 123]

He had some tests done when he was a teanager because of strange pins & needles in his feet.. Fast forward to his late twentys he starts to get more strange symptoms, sees his PCP on many occassions lots of tests done, no conclusive diagnoses.. fast forward to his mid thirties.. wakes up one morning unable to see from his right eye. Goes to ER is seen by a Nuerologist lots and lots of major tests done and was informed 3 weeks later he had MS, he starts Injectable drugs for his MS along with a vast cocktail of oral drugs. The injections cost $2,450 per 30 days, at first the insurance company say to submit the request for the drugs and they will advise.. They request access to his medical records which was given and then 1 month later he get denied for any treatment to do with his MS as they say he did not disclose prior symtoms.

It is against the law to exclude pre-existing conditions in an employers group policy.

They then notified his employer that they will continue to cover him for other medical needs but it would be at a higher primium. His employer can not afford to pick up the extra cost so the insurance was cancelled.

The only insurance that could have been canceled is for the entire group. The insurance company can't cancel the insureds coverage as long as he is member of the group unless they drop the group or the group owner terminates group coverage.

They wrote to hime and sent information about COBRA ...

If the group was dropped, there can be no COBRA.

[Peikko 1,575]

Is it right that anyone should be denied care because of this non disclosure stuff anyway? It's far to easy for insurance companies to find a loop hole - yes, people should take responsibility for their health, but insurance premiums should be at manageable cost no matter what disease one might be susceptible to.

[w¡n9Nµ7 §£@¥€r 123]

Is it right that anyone should be denied care because of this non disclosure stuff anyway?

No, it's not right. And it happens daily to insureds with individual health policies.

... insurance premiums should be at manageable cost no matter what disease one might be susceptible to.

Agreed, and the best way to do that is to spread the risk across as large a group as possible. This is why the insurance mandate is not a bad idea.

[mawilson 2,133]

Ok, moderation is the key to all things. Sip the koolaid and don't guzzle. Obama the Socialist is a politician and will say anything to get his way like he did to get elected.

What politician DOESN'T say anything to get elected?

Come on, guys, what did Obama *lie* about?

He was brutally honest. Consider the following quotes:

"The Constitution is a charter of negative liberties. Says what the states can’t do to you. Says what

the Federal government can’t do to you, but doesn’t say what the Federal government or State

government MUST DO on your behalf…"

"When I was asked earlier about the issue of coal…under my plan of a cap and trade system,

electricity rates would necessarily skyrocket…even regardless of what I say about whether

coal is good or bad, because I’m capping greenhouse gasses, coal power plants, natural gas…

you name it…whatever the plants were, whatever the industry was, they would have to retro-fit

their operations. That will cost money…they will pass that money on to the consumers."

[w¡n9Nµ7 §£@¥€r 123]

Come on, guys, what did Obama *lie* about?

He said he'd bring CHANGE and here I am still on the job and I still have bills to pay and I'm still poorly endowed and my bank balance still isn't compensating quite enough and Constellation still kicks my butt in all VJ threads................

[TayRivers 4]

He had some tests done when he was a teanager because of strange pins & needles in his feet.. Fast forward to his late twentys he starts to get more strange symptoms, sees his PCP on many occassions lots of tests done, no conclusive diagnoses.. fast forward to his mid thirties.. wakes up one morning unable to see from his right eye. Goes to ER is seen by a Nuerologist lots and lots of major tests done and was informed 3 weeks later he had MS, he starts Injectable drugs for his MS along with a vast cocktail of oral drugs. The injections cost $2,450 per 30 days, at first the insurance company say to submit the request for the drugs and they will advise.. They request access to his medical records which was given and then 1 month later he get denied for any treatment to do with his MS as they say he did not disclose prior symtoms.

It is against the law to exclude pre-existing conditions in an employers group policy.

They then notified his employer that they will continue to cover him for other medical needs but it would be at a higher primium. His employer can not afford to pick up the extra cost so the insurance was cancelled.

The only insurance that could have been canceled is for the entire group. The insurance company can't cancel the insureds coverage as long as he is member of the group unless they drop the group or the group owner terminates group coverage.

They wrote to hime and sent information about COBRA ...

If the group was dropped, there can be no COBRA.

Well you are a better man than the lawyers who he took advice from, small businesses do not have large group coverage that is all I know. There are 1000's of people who loose there coverage when they have a cronic condition. You seem hel bent on Proving me a lier.

You belive what you want because I know that what happened to him happens to alot of people. If that make me a lier then so be it.