My friend has been diagnosed with a chronic illness, can he receive health insurance by this condition ? Will it cost more for him ?
Total Comments: 16
Posted: Wed Apr 22, 2009 07:37 pm Post Subject:
My friend has been diagnosed with a chronic illness, can he receive health insurance by this condition ? Will it cost more for him ?
Yes, he can receive health insurance. If it's part of a group, the cost will be the same as everyone else. If he's getting individual coverage, it will probably be more expensive. In some states, it won't be more expensive, but pre-existing conditions could curtail benefits.
Posted: Wed Apr 22, 2009 08:34 pm Post Subject:
The problem is that a healthy person can become unhealthy in a second if they are in a accident or catch something. That is why it is just expensive for them. So one cannot just assume if one is healthy they would never have a catastrophic illness happen and then what happens? And no one unless they are well off can afford to pay out of their pocket for a accidents. I am healthy but I had a car accident and my medical bills are in access of 200,000 and growing. My health insurance is paying for that. Who wants to get sick or in accident and has to worry about how to pay for a bill in the hundreds of thousands. Frankly even people who are not that healthy use health benefits that much. One of the reasons they are not that healthy. if a person looks in shape doesn't mean they are,. And unless they had health benefits they would not be able to get proper maintenance tests to see if they are. Unless they want to pay for through the nose. Another point in why wait until you get sick to get insurance? In many states you cannot even get insurance if you are sick. It is just not prudent not to have health insurance no matter how healthy you maybe. It makes no sense. Most people do not have house fires nor any incident with their houses, but most homeowners buy homeowners insurance even after their mortgages are paid. This was the first car accident I have had in 30 years but I still have to buy auto insurance no matter what. So why do you think having health insurance should be any different? The chances of a healthy person getting sick are far better then a house catching on fire or getting in a car accident. That is the reason the costs are not so different. If you don't believe that just see how many healthy people are in the hospital with Pneumonia or with a broken limb from skiing or falling over something or coming down with the Flu or Hepatitis because of some cook in a restaurant. I know of a person who took a trip somewhere and came back with a bug, he still is sick . Or healthy people who come down with cancer. Or what about people having babies? It is very expensive to have babies. And god forbid something is wrong. We cannot be so short sighted when it comes to health and staying healthy.
Posted: Wed Apr 22, 2009 08:50 pm Post Subject:
You are missing my point. I agree that people should have health insurance. My point is that guaranteed issue health insurance is a problem because it provides disincentive to buy coverage before it is actually needed. Isn't a young healthy person more likely to not buy insurance if they can simply wait until they are sick to buy it?
Guaranteed issue coverage that is not mandatory for everyone makes the premiums more expensive for everybody who elects to get coverage.
Posted: Wed Apr 22, 2009 08:59 pm Post Subject:
But the problem is a very healthy person can get very sick or sicker in a drop of a hat because of accidents or catching a illness. Secondly after or when they get sick it is too late to get insurance in most states. And lastly the simple fact is healthy people lacking health insurance makes them high risk. So they should pay the same rates IMO.
One question if you believe that healthy people should not pay as much as everyone else do you believe if a healthy person indulges in high risks sports like skiing or hang gliding or jet skiing and mountain climbing etc. should they pay as much as everyone else?
Posted: Wed Apr 22, 2009 09:12 pm Post Subject:
But the problem is a very healthy person can get very sick or sicker in a drop of a hat because of accidents or catching a illness. Secondly after or when they get sick it is too late to get insurance in most states. And lastly the simple fact is healthy people lacking health insurance makes them high risk. So they should pay the same rates IMO.
One question if you believe that healthy people should not pay as much as everyone else do you believe if a healthy person indulges in high risks sports like skiing or hang gliding or jet skiing and mountain climbing etc. should they pay as much as everyone else?
Posted: Wed Apr 22, 2009 09:27 pm Post Subject:
Your still missing the point that if it is guaranteed issue, it is never too late to buy coverage. I am not arguing that healthy people shouldn't buy coverage. I'm merely pointing out the fact that guaranteed issue causes its own set of issues.
One question if you believe that healthy people should not pay as much as everyone else do you believe if a healthy person indulges in high risks sports like skiing or hang gliding or jet skiing and mountain climbing etc. should they pay as much as everyone else?
I believe that as much as possible, people with low risks should not be subsidizing those with high risk. This means that a healthy 23 year old male who participates in no dangerous activities, but is very active should pay less than a 23 year old healthy female who is 70 pounds overweight, smokes, and is on the U.S. Fatty Helicopter Skiing Team and is trying to get pregnant.
Posted: Wed Apr 22, 2009 07:37 pm Post Subject:
My friend has been diagnosed with a chronic illness, can he receive health insurance by this condition ? Will it cost more for him ?
Yes, he can receive health insurance. If it's part of a group, the cost will be the same as everyone else. If he's getting individual coverage, it will probably be more expensive. In some states, it won't be more expensive, but pre-existing conditions could curtail benefits.
Posted: Wed Apr 22, 2009 08:34 pm Post Subject:
The problem is that a healthy person can become unhealthy in a second if they are in a accident or catch something. That is why it is just expensive for them. So one cannot just assume if one is healthy they would never have a catastrophic illness happen and then what happens? And no one unless they are well off can afford to pay out of their pocket for a accidents. I am healthy but I had a car accident and my medical bills are in access of 200,000 and growing. My health insurance is paying for that. Who wants to get sick or in accident and has to worry about how to pay for a bill in the hundreds of thousands. Frankly even people who are not that healthy use health benefits that much. One of the reasons they are not that healthy. if a person looks in shape doesn't mean they are,. And unless they had health benefits they would not be able to get proper maintenance tests to see if they are. Unless they want to pay for through the nose. Another point in why wait until you get sick to get insurance? In many states you cannot even get insurance if you are sick. It is just not prudent not to have health insurance no matter how healthy you maybe. It makes no sense. Most people do not have house fires nor any incident with their houses, but most homeowners buy homeowners insurance even after their mortgages are paid. This was the first car accident I have had in 30 years but I still have to buy auto insurance no matter what. So why do you think having health insurance should be any different? The chances of a healthy person getting sick are far better then a house catching on fire or getting in a car accident. That is the reason the costs are not so different. If you don't believe that just see how many healthy people are in the hospital with Pneumonia or with a broken limb from skiing or falling over something or coming down with the Flu or Hepatitis because of some cook in a restaurant. I know of a person who took a trip somewhere and came back with a bug, he still is sick . Or healthy people who come down with cancer. Or what about people having babies? It is very expensive to have babies. And god forbid something is wrong. We cannot be so short sighted when it comes to health and staying healthy.
Posted: Wed Apr 22, 2009 08:50 pm Post Subject:
You are missing my point. I agree that people should have health insurance. My point is that guaranteed issue health insurance is a problem because it provides disincentive to buy coverage before it is actually needed. Isn't a young healthy person more likely to not buy insurance if they can simply wait until they are sick to buy it?
Guaranteed issue coverage that is not mandatory for everyone makes the premiums more expensive for everybody who elects to get coverage.
Posted: Wed Apr 22, 2009 08:59 pm Post Subject:
But the problem is a very healthy person can get very sick or sicker in a drop of a hat because of accidents or catching a illness. Secondly after or when they get sick it is too late to get insurance in most states. And lastly the simple fact is healthy people lacking health insurance makes them high risk. So they should pay the same rates IMO.
One question if you believe that healthy people should not pay as much as everyone else do you believe if a healthy person indulges in high risks sports like skiing or hang gliding or jet skiing and mountain climbing etc. should they pay as much as everyone else?
Posted: Wed Apr 22, 2009 09:12 pm Post Subject:
But the problem is a very healthy person can get very sick or sicker in a drop of a hat because of accidents or catching a illness. Secondly after or when they get sick it is too late to get insurance in most states. And lastly the simple fact is healthy people lacking health insurance makes them high risk. So they should pay the same rates IMO.
One question if you believe that healthy people should not pay as much as everyone else do you believe if a healthy person indulges in high risks sports like skiing or hang gliding or jet skiing and mountain climbing etc. should they pay as much as everyone else?
Posted: Wed Apr 22, 2009 09:27 pm Post Subject:
Your still missing the point that if it is guaranteed issue, it is never too late to buy coverage. I am not arguing that healthy people shouldn't buy coverage. I'm merely pointing out the fact that guaranteed issue causes its own set of issues.
One question if you believe that healthy people should not pay as much as everyone else do you believe if a healthy person indulges in high risks sports like skiing or hang gliding or jet skiing and mountain climbing etc. should they pay as much as everyone else?
I believe that as much as possible, people with low risks should not be subsidizing those with high risk. This means that a healthy 23 year old male who participates in no dangerous activities, but is very active should pay less than a 23 year old healthy female who is 70 pounds overweight, smokes, and is on the U.S. Fatty Helicopter Skiing Team and is trying to get pregnant.
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