Q. I believe the health reform guarantees acceptance of all individuals, even if they are being treated for cancer, aids, or other costly and deadly diseases How will insurance companies be able to take such hit in claims, we are talking millions that they presently do not have, where would they get the money to pay those claims
A. Two ways:
1. The same way as they have always survived in states that already require them to accept everyone, such as New York: By charging high prices for insurance.
2. A new way: The reform also requires everyone to get insurance in a few years, even if they are not going to use it. The insurance companies calculated that they would receive enough money from the involuntary customers who will have to pay for insurance, but will not use it, to pay for the treatment of the sick customers.
1. The same way as they have always survived in states that already require them to accept everyone, such as New York: By charging high prices for insurance.
2. A new way: The reform also requires everyone to get insurance in a few years, even if they are not going to use it. The insurance companies calculated that they would receive enough money from the involuntary customers who will have to pay for insurance, but will not use it, to pay for the treatment of the sick customers.
What are transient mental disorder diseases?
Q. What are transient mental disorder diseases?
Daman Insurance advised Transient mental disorder diseases are covered under insurance however they are not providing the proper information about the diseases coming under transient mental disorders... I would appreciate if any body could provide me the above requested information at the earliest....
Daman Insurance advised Transient mental disorder diseases are covered under insurance however they are not providing the proper information about the diseases coming under transient mental disorders... I would appreciate if any body could provide me the above requested information at the earliest....
A. Any mental disorder that is short term... I would guess they're mainly talking a/b depression, or anxiety. I'm sure sleeping disorders would also fall into this group. Anything curable pretty much... so, if you're schizophrenic, you're probably not covered.
What happens to your insurance if you have a lifelong disease, and you change insurance providers?
Q. I was curious about how that would play through. Most insurance companies will not take you on as a customer if you have a pre-existing condition. (since it's hard to make money off say, a diabetic.) If your insurance is through your work and you change jobs, what happens? Since most of the time your insurance is dropped when you leave a job, i imagine it would be VERY tough for someone with AIDS, Cancer etc. to find another insurance provider.
A. If your insurance is through your work, and you have continuous coverage, the new group carrier is not allowed to exclude coverage for preexisting conditions. They're "on the hook" for it, same as the old carrier was.
Even if you have aids or cancer or diabetes.
Even if you have aids or cancer or diabetes.
What happens when the health care coverage starts and everyone with cancer and rare diseases with no insurance?
Q. who were previously denied treatment due to preexisting condition restrictions now have life-time comprehensive medical coverage which will cost millions per individual, billions looking at a larger picture?
Do the death panels/bioethics committees tell them no we can't treat you?
I'm having a little trouble understanding the financial aspects of how the US is going to cover every single US citizens rare or expensive disorder/disease when in the past they had no options due to cost also assuming they can't deny them coverage based on a preexisting condition. Any ideas?
Mutt, as I understand even if you can afford coverage, you still have the option of using the universal health care given you pay into it and it may be more comprehensive than the private coverage most pay for.
Do the death panels/bioethics committees tell them no we can't treat you?
I'm having a little trouble understanding the financial aspects of how the US is going to cover every single US citizens rare or expensive disorder/disease when in the past they had no options due to cost also assuming they can't deny them coverage based on a preexisting condition. Any ideas?
Mutt, as I understand even if you can afford coverage, you still have the option of using the universal health care given you pay into it and it may be more comprehensive than the private coverage most pay for.
A. Well that was the whole point behind the healthcare plans Obama supported. Its the ugly truth that Republicans don't want you to know.
About 40% of Americans do not have and cannot afford health insurance. This rate is growing.
If you are wealthy or have employment that has group insurance that is affordable, you can get covered on devastating illnesses; but for the rest of Americans, they'd have to sell off everything they owned to get some coverage and most would STILL not be able to pay for it.
There is a article today that discusses just that; how most cancer patients put off care because they cannot afford the treatments.
It comes down to this. How lucky will you be that you won't ever need these treatments?
About 40% of Americans do not have and cannot afford health insurance. This rate is growing.
If you are wealthy or have employment that has group insurance that is affordable, you can get covered on devastating illnesses; but for the rest of Americans, they'd have to sell off everything they owned to get some coverage and most would STILL not be able to pay for it.
There is a article today that discusses just that; how most cancer patients put off care because they cannot afford the treatments.
It comes down to this. How lucky will you be that you won't ever need these treatments?
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