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Preexsisting conditions - February 16th 2010, 06:04 PM

I recently went to the hospital because they thought I had a blood clot in my leg after giving birth to my son. Turns out everything was fine, but today we got a letter from our insurance asking if I had ever previously been treated for my condition. It was obviously regarding some kind of preexisting condition policy they have.

Personally I don't think it's fair at all to be denied coverage for something just because it's preexisting. Although I honestly don't really know what the circumstances have to be to be denied...

What do you guys think?


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Re: Preexsisting conditions - February 16th 2010, 09:15 PM

I completely agree. My Dad runs into problems because of all the conditions he's been "existing" with. It's stupid, and sometimes maybe not worth the insurance. You use insurance for help, while when you need the help they're not there.



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Re: Preexsisting conditions - February 16th 2010, 09:21 PM

I don't think someone should be denied coverage necessarily, but I think insurance companies have the right to raise premiums due to preexisting conditions. The insurance industry is a risk/reward business, just like any other. Insuring someone that is high risk for a low price would ruin insurance companies very quickly.
   
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Re: Preexsisting conditions - February 16th 2010, 10:04 PM

I agree with BigBL87.
It's a business. And it is with that business that the health industry prospers. E.g, find a vaccine and less money needs to be spend trying to cure illnesses.
Competition and profit motive is a necessary evil in the health industry, I'm afraid.


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Re: Preexsisting conditions - February 17th 2010, 04:36 AM

Insurance companies are still businesses. While I don't think it's right for them to deny you coverage, covering a person who's already "sick" is going to cause them to lose money. What insurance comapny wants to do that? I think they have every right to raise insurance premiums for pre-existing conditions to compensate for it since they would be losing money. I also don't think that other customers who don't have pre-existing conditions should have to pay for others who do have pre-existing conditions. I know it's not your fault, but it's also not the fault of someone who is healthy, and not everyone should have to deal with upped prices because the company is losing money for accepting someone with pre-existing conditions.


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Re: Preexsisting conditions - February 17th 2010, 07:47 PM

I guess that's why I disagree with it so much, I don't think health insurance should be run like a business. Has anyone seen Sicko? It makes government run health insurance look very appealing.


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Re: Preexsisting conditions - February 18th 2010, 02:15 AM

Quote:
Originally Posted by BadFish View Post
I guess that's why I disagree with it so much, I don't think health insurance should be run like a business. Has anyone seen Sicko? It makes government run health insurance look very appealing.
If government run health care was sustainable at our current quality of care, I'd love it. I simply don't think that it is sustainable for the U.S. without quality of care going down. I wouldn't even mind a "government option" if the wording in the bill didn't use the government option to phase out private insurance (like the recent bill in the House initially did).
   
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