Quote:
Originally Posted by Barefootsies
To address your first point, if I had cancer, I would reapply for Blue Cross Blue Shield and in 6 months they would be back to picking up the tab for a pre-existing condition. I would pay the same rate I did before for my age, as that is what it is based on, regardless of my condition. They take everyone, and are the only company out there (to my knowledge, and the insurance agent) who will. So for 6 months I would have to foot the bill, second mortgage, whatever. Then I would be covered again with major medical for that shit.
On to your second point, I completely agree with you. There is a lot of corruption and greed in the healthcare system. It was started back in the Reagan era when he allowed HMO's to switch from the non-profit model, to what we have today. Starting this thing rolling into for profit healthcare.
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I think you are way off base on this one. I have asthma and I cannot buy health insurance that will cover it. None of them will sell it to me. I have talked to every one of them that I could find. I can get insurance, just no coverage for a preexisting condition. So if you think you will go back to Blue Cross and in 6 months they will cover you for cancer, you might want to rethink that because I am 99.9% sure they will not.
Here is the irony. You could, potentially, get a job with a company that gives you insurance and in 6 months they may start covering a preexisting condition. In the past before I was self employed that was the case. The companies I worked for would give me health insurance, I just had to wait 3-6 months for them to start covering me. That asthma, when it is controlled like mine, isn't a bank breaker. It could cost them a few hundred dollars a month. Cancer could cost them a million so there is a strong chance you couldn't even get coverage through a major companies policy.
The reason is simple. When you are part of a large group they make money off those that don't use the service. For ever 1 person that has prescriptions and uses the insurance regularly there are 50 or more that hardly ever use it so they still make money. When you are on a policy by yourself they don't make money if you actually plan to use it. This is why if you have any preexisting condition they won't cover it.