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Politics : View from the Center and Left -- Ignore unavailable to you. Want to Upgrade?

To: TimF who wrote (129995)	2/2/2010 7:43:15 PM
From: Lane3	Read Replies (2) \| Respond to of 541961

People don't tend to be out of money the moment they get diagnosed with cancer or AIDS, they run out of money over time. But they can and do run out of money, at which point a catastrophic policy doesn't help them. They have to be able to pay the deductible. With AIDS I think running out of money is inevitable. Cancer, not necessarily. You might have one round of treatment and then you're done in which case your out-of-pocket cost is one year's deductible. Maybe you could expand on what you mean by that term. I thought that was who we where talking about, the catastrophe (of getting AIDS or cancer or whatever), would be what would make them uninsurable. I would not propose setting the eligibility for the high-risk program at one bout of cancer. Risk would have to be higher than that. Off the top of my head, I'd say you'd have to be facing multiple years worth of catastrophic deductibles before becoming eligible. Soon after diagnosis with AIDS. Round two of cancer, most likely. I had in mind the fact that some insurance companies refuse to insure at much lower risk than that.