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Strategies & Market Trends : The Residential Real Estate Crash Index
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To: neolib who wrote (90923)9/30/2007 4:28:39 PM
From: Lizzie TudorRead Replies (1) of 306849
 
a little over the top there though. Sure if you are not forced to pay for insurance and then one day wake up with a tumor growing out of your leg, you are going to sign up for insurance THAT DAY with no pre-existing condition clause. But that is an extreme. theres another whole area where somebody has some abstract "symptom" and is denied coverage based on that, or if they aren't, when a claim is made for an expensive treatment the insurer says "oh we are refusing to pay for that heart bypass surgery because you didnt' tell us you had acid reflux disease". Stuff like that.

At some point, since these individual plans are so flaky people just opt out and take their chances.

Also as a younger woman that needed healthcare while I was a consultant at age 30, I was shocked to discover that virtually all plans at that time charged about $450/mo (huge money, then) for any woman of childbearing years regardless of whether she could or was planning on a pregnancy and there was no way to "opt out" (due to some law). Well, thats too much money for most young women to pay. You can say in theory that nobody should subsidize some 25 year old woman's healthcare, but in reality all fo this stuff needs to be looked at and made manageable otherwise the system breaks down.
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