Monday, May 13, 2013

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.


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.

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?


What are some ways to prevent high blood pressure and heart disease if it is hereditary?
Q. My mom and dad suffer from high blood pressure,high cholesterol. It run on both sides of the family,that along with diabetes and heart disease. My mom started taking blood pressure medication young,in her later 20's. My dad suffered from a stroke due to high blood pressure. I am 22yrs old and do not want to suffer this especially while young. Are there any ways I can be proactive about not suffering from those conditions now and later on in life being that it is hereditary? Or do I not have a chance in preventing it?

A. Keep your weight down through diet and exercise. And don't have stress in your life. That is all you can do.

If the heart disease has been mostly in one form, then consider testing for it now while there are no symptoms. It might provide problems getting health insurance, but you will be able to take steps to limit future problems. And vote democrat to ease the future insurance coverage problem as republicans are against people with heart disease getting insurance.

If you have a heredity disease it will probably already be detectable. Some forms of cardiomyopathy will appear in the late teens. Many highschool athletes have died from it. How quickly it advances depends in part on your lifestyle.


Are any of these supplements a concern for someone with kidney disease?
Q. Autosomal Dominant Polycystic Kidney Disease (ADPKD)

Ginkgo Biloba
Garlic
Fish Oil
coQ-10
Baby Aspirin
Claritin or Zyrtec


And medicines Pravastatin & Lisinopril/hctz.

Thanks.

Apparently I have a 50% chance of having Autosomal Dominant Polycystic Kidney Disease (ADPKD). No insurance and if I ask my Dr about it, I can never get insurance.

A. I'm not aware of any of these causing problems in compromised kidneys. Some family members of mine have igA nephropathy, and all they're told is to stop smoking, alcohol, and caffeine.

You CAN go to Canada or Mexico to get tested. If you're over 30, the tests are 100% reliable.





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