Affordable Care Act - need clarification from the insurance gurus

[RiverRat1]

Yes , your explanation makes sense from business perspective. Problem is that the act was intended to make health care a right for all whether or not it made business sense. Something had to be done to fix the system that was broken and almost certainly something will be done to fix this solution that is not workable. In the end there probably won't be insurance carriers or non-government health care providers. Your premium will show up as an additional 25% federal income tax.

The system was never broken. Healthcare is and never was a "right".

Is it everyone's right to own a nice home? Why not? Isn't a place to live more important than healthcare that you may or may not ever use?

People are born, people live, people get sick, people get cancer. Believe it or not it's ok to not have access to the best medicine/procedures on the planet. Funny how in America everything becomes a right but you never hear of any new laws making people excercise their right to work and pay for themselves.

[rubydog]

Is it a pre existing condition when a woman goes to the doctor with a lump in her breast and finds out she now has breast cancer or is it a pre existing condition if, when at birth her parents do a gene test and find out she carries the breast cancer gene?

It is a pre existing condition when one goes to buy an insurance policy having knowingly been diagnosed with any unhealthy condition or disease.

[db@100]

It is a pre existing condition when one goes to buy an insurance policy having knowingly been diagnosed with any unhealthy condition or disease.

Okay, I ask again, if a woman knows she carries the gene and is very likely to get breast cancer, say all women in her family have breast cancer, could an insurance company call that a pre existing condition?

[Tmag]

It gets harder to understand everyday. An elderly woman in our church had her insurance cancelled this week and she is on Medicare, she now has no insurance and lives on social security. Can someone explain or does someone know why or what Medicare coverage they are cancelling?

[gspbrad]

Okay, I ask again, if a woman knows she carries the gene and is very likely to get breast cancer, say all women in her family have breast cancer, could an insurance company call that a pre existing condition?

It's not a pre-existing condition until she's been dignosed. Pre-ex is less of an issue even before Obamacare. Under the Clinton Admin HIPAA laws COC (Certificate of Credible Coverage) was put into law. Helped off set pre-ex denials.

[AtTheWall]

This entire ACA system is going to fail. One aspect these clowns have not factored in is....THE MEDICAL COMMUNITY PROVIDING THESE SERVICES!

Doctors are bailing out and they have the option to not engage and or absolutely refuse to participate in any of these programs. The Medical Community (Doctors charged to perform the work) are ABSOLUTELY AGAINST THIS PROGRAM.

Wait and watch......where the rubber meets the road is the final call. It's happening and it will implode into a very ugly situation.

YES ACA is the cause of rising Health Care...it's obvious...it's the only thing that changed to cause the increase in pricing and the YOUTH OF TOMORROW, they anticipated would buy into coverage, have refused to fund and or purchase coverage. The revenue stream they had hoped to lean on to fuel this madness....it simply isn't going to happen.

Who at 20 - 30 years old even cares about health care coverage? And if they do care, do you think they can afford to do so at the rates offered now? Let's see....buy healthcare or buy beer? Let's see pay for insurance or buy plant tickets to Hawaii and go surfing? Let's see, pay for health insurance or purchase that rocking 4x4 - hot rod - Harley etc etc etc?

This system is an absolute disaster!

[super_dave]

Supply and Demand

[Shane]

Okay, I ask again, if a woman knows she carries the gene and is very likely to get breast cancer, say all women in her family have breast cancer, could an insurance company call that a pre existing condition?

I've never heard of any healthy person being denied coverage for health insurance based on family members having diseases.

[Shane]

It gets harder to understand everyday. An elderly woman in our church had her insurance cancelled this week and she is on Medicare, she now has no insurance and lives on social security. Can someone explain or does someone know why or what Medicare coverage they are cancelling?

I've never heard of Medicare being cancelled. The ACA does have some affect on Medicare supplement policies, so I'd speculate that her supplement policy was cancelled - similar to the individual health insurance for younger folks that were cancelled after 12/31/2013. She still has Medicare. She will just have to buy a new supplement policy. It'll probably cost more.

[Thumper]

I've never heard of any healthy person being denied coverage for health insurance based on family members having diseases.

They pay higher rates.


Obanacare doesn't fix our broken healthcare system being used to buy votes. It allows it to continue by making those that work pay for it.

[perfectstorm]

This thread is not intended to start a political debate so please dont get it burnt.

I need help clarifying something. It is my understanding that the increase in insurance premiums are not because of the ACA but because more people are using their insurance and insurance companies are not making as much profit (lets face it - insuranbce companies dont lose money, it comes down to how much profit they lose or gain every year. I dont think one insurance company has ever gone out of business even in the worst year of natural disasters).

Others say ACA is causing it to increase. Is it because the companies are losing customers to the ACA pool of companies because they can now shop for better deals?

Can you explain?

The price increases after implementing a program and your understanding is that it is not because of said program?

[rubydog]

Okay, I ask again, if a woman knows she carries the gene and is very likely to get breast cancer, say all women in her family have breast cancer, could an insurance company call that a pre existing condition?

I should have highlighted "Diagnosed." Knowingly carrying a genome does in no way exempt a person from coverage. That would be like wiping before you poop so to speak.

It's not a pre-existing condition until she's been dignosed. Pre-ex is less of an issue even before Obamacare. Under the Clinton Admin HIPAA laws COC (Certificate of Credible Coverage) was put into law. Helped off set pre-ex denials.

These are the facts......

[BowSlayer]

ACA caused mine to go up. It says so in the letter I got from my insurance company. Paying more for the same coverage... I love it!

[pdevoto]

Missing the Point!

None of the insurance companies are going to lose any money.

The only reason they all remained silent during the set-up of this whole ACA mess is that the ACA guarantees they will not lose any money regardless of their losses.

The Obama Administration wrote into the ACA the Government will cover any and all losses.

You and I will subsidize the insurance companies losing money with our tax dollars.

Our rising tax dollars I might add.

Welcome to the Un-affordable Care Act; you had to pass it to find out what was in it ------ REMEMBER.

ELECTIONS HAVE CONSEQUENCES - THINK BEFORE YOU VOTE!!!!

[ACCURACYINC]

ACA caused mine to go up. It says so in the letter I got from my insurance company. Paying more for the same coverage... I love it!

Yep. Just got a premium increase letter from BCBS TX yesterday. $70 per month increase. But at least I can feel good about those additional premiums subsidizing a fellow American in need.