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Old April 26th, 2012, 10:12 AM   #1
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So I've had a belly full of filling out three applications for health insurance.



Presently, my company pays for my health insurance with Blue Cross, which is over $1,200 per month. That will end later this month.



Lately, I've filled out apps with two others trying to get a lower premium, with the same deductible or closer to that of my present plan. One with Kaiser and the other with AARP-Aetna. Both turned me down. I appealed to Kaiser - declined. I'd be wasting my time appealing to AARP-Aetna. All due to pre-existing conditions.



Kaiser referred me to Caifornia's own MRMIP plan, which, through Kaiser, would cost under $700 per month, compared with a similar plan through Anthem Blue Cross which is $1200.00 per month.



So I filled out the application and sent that to Sacramento. I expect to get approved, but it is the last resort, it seems.



Why does it matter to insurance companies that if one has a pre-existing condition that they are so afraid to take on people with high blood pressure, high cholesterol, asthma, acid-reflux, and God knows what else. Money, isn't it?



Now with this Obama care coming on, no one can be declined for any reason, right? And why are premiums so frigging high? Health costs?



Why don't the USA follow other countries examples? Other countries like Switzerland have lower health care costs. That would reduce the cost of health care in the USA, would it? But doctors will quit their practice and do something else, like become plumbers or work at a McDonald's.



It seems so unfair, but what is one going to do? Save money and not go with health insurance, and whenever an illness comes, go to urgent care or to ER?



Such is life in the US of A and California.
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Old April 26th, 2012, 10:20 AM   #2
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Maybe move to Vermont, which is the process of creating its own single payer plan?

http://www.kaiserhealthnews.org/stor...alth-care.aspx



Maybe someday the US will join the rest of the civilized world in its approach to health care for all.
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Old April 26th, 2012, 01:38 PM   #3
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Willie you are right, millions of Americans like you are examples of why it's immoral to mix health care and profitability.



Even under Obamacare there's no reason to think insurance will be any more affordable for people with pre-existing conditions. But hopefully there will be more players in the market and that will mean an overall reduction in premium per capita.



Unfortunately it's your fault for having a medical issue you cannot afford!
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Old April 27th, 2012, 09:53 AM   #4
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Originally Posted by gary View Post
Willie you are right, millions of Americans like you are examples of why it's immoral to mix health care and profitability.



Even under Obamacare there's no reason to think insurance will be any more affordable for people with pre-existing conditions. But hopefully there will be more players in the market and that will mean an overall reduction in premium per capita.



Unfortunately it's your fault for having a medical issue you cannot afford!


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