Health insurers have ratcheted down on coverage of numerous outlier diagnoses over the last ten years. Leaving more and more people out of their definition of coverage throws more and more people into the taxpayer supported health care facilities who are obliged to treat by law even if they will not get reimbursed. THAT is transfer of risk to government!
It is NOT a transfer of risk to the government. It is simply an attempt to avoid risk. The government is no logical factor here. The insurance companies have determined they can make a better profit by greater exclusion.
I also said nothing about getting coverage when you are sick. I said indivisuals cannot get coverage if they HAVE BEEN SICK in the past.
Well, depending upon the sickness, the companies are being quite reasonable to deny coverage because the risks are greater that the sickness will recur. It may sound like a heartless business, and perhaps it is, but you don’t have to play. If you don’t like the goods, you really don’t have to buy them. You DANG SHO ain’t got a right to them.
I didn't say they are obligated to cover everyone. If that were true then we would only need one insurance company, right? But they adjust their premium rates all the time to reflect their analysis of the risk involved in providing coverage.
Please, the insurance companies are not even obligated to cover the folks you personally think they should cover. They offer a product. If your circumstances do not permit you to buy, then you don’t have to buy. There is not one thing wrong with their refusing to extend themselves to you because they think you too great a risk.
So the key is the definition of SICK thay choose to apply. What was your condition? Is it likely to appear again? will it get worse? etc. Just how sick do people have to be to be denied coverage--forever--by all insurers? The bar is getting lower and lower.
Let it lower then until the insurance companies can insure only those who are 100% free of any risk (grin). Do you get the point now? You do not have to buy the product. Grow your own if you hate the stuff so much. Embark upon a lifestyle that maximizes health. But don’t whine because the insurance company sets its own parameters. It is a business that sells a product. And that is all it is.
How much information are they entitled to have about you to make up their minds?
As much as you will allow them if you wish to use their product. If it ain’t worth it to you, then DON’T BUY THE PRODUCT.
Did you notice that your president just this week says he opposes allowing health insurance companies to have information about your DNA? If they had that information, they could decide to deny you coverage because you MIGHT get sick in the future. Even GWB knows a line must be drawn.
I think they should be denied access to your DNA too, unless you give it to them. And if they refuse to grant service unless they have your DNA, then I think it should be their right to do so.
BTW, if out of your anti-"socialist" anti-government convictions you demand less and less governement and more "free-market" economy then you will eventually have corporations AS your government. And dude, that's exactly where we are headed now.
Well, I think competing corporations generally do a much better job at most things than the federal government. Imagine a dang operating system written by the government. Welcome to the friggin’ stone age, pal. |
