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10-09-2012, 02:32 PM   #1
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Mitt Romney's Plan For Pre-Existing Medical Conditions-Good For The Rich, Useless for

Hey it's Forbes..

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Clearly, there is a wide spread in these GAO numbers as the determination is dependent upon how a pre-existing condition is defined—something that varies from insurance company to insurance company and state to state. By way of example, it remains legal in nine states to deny health insurance coverage to applicants who are victims of domestic violence if the insurance company chooses to deem a history of domestic violence as a pre-existing condition. There are also insurance policies that provide coverage for most medical conditions but omit coverage for a specific pre-existing condition—which can be a problem if that pre-existing condition is a cancer which might return in the future. Indeed, in yet another survey, we learn that an estimated 12.6 million non-elderly adults were discriminated against because of a pre-existing condition in the previous three years.

At the low end of the GAO estimates, these statistics indicate that at least 20 percent of Americans could be denied health insurance for such a condition while that number could rise to as high as 66 percent of all Americans.

While the number is a big one, even at the lower estimate, the good news is that people with pre-existing conditions who are employed by a large company—or even a small company in a state where guaranteed issue laws require health insurers to provide coverage to anyone working in a company, sometimes with as few as two employees— are typically covered so long as their employer offers health insurance as a benefit of employment.

Where the issue gets very real is when one turns to the individual market for their health insurance.

According to insurance company data, approximately 13 percent of people under the age of 64 who apply for an individual health insurance policy are turned down as a result of what the insurance company deems a pre-existing condition. The denial rate rises to about 25 percent when considering people between the age of 50 and 64.

Is this a large enough number of uninsured Americans to warrant the attention we pay to this issue?

It certainly is if you are one of the Americans who has a pre-existing condition—or are smart enough to understand that you may develop one in the future.
Mitt Romney's Plan For Pre-Existing Medical Conditions-Good For The Rich, Useless for Middle Class - Forbes

10-09-2012, 07:05 PM   #2
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No, it isn't, because he said so.
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