4 ms·
This will get used against you to deny insurance coverage. Not to help anyone.
by throw9away6 3y ago
This will get used against you to deny insurance coverage. Not to help anyone.
- AndyNemmity 3y agoThis is true. The net effect is you can be denied coverage. They don't explain this to you when you get the check.
- ekianjo 3y agoIn that case this should be made illegal to use diagnosis results in this way. Insurances are not supposed to be in the business of refusing coverage.
- space_fountain 3y agoI believe Obamacare did fix this in the US, but at the trade off of requiring people to hold health insurance at all times. The thinking was otherwise people would just only get insurance when they got supper sick. The republicans chipped away at that requirement (it was one of the least popular parts of the bill) and I think removing it didn’t actually cause the insurance market to collapse which everyone thought it would, but I’m not clear on exactly why? Generally requiring insurance to not charge extra when people only buy it when they need the insurance is doomed
- declan_roberts 3y agoThere’s no such qualifier for any heath insurance you get after 2010. No denying you or charging you more because of a pre-existing condition.
- throw9away6 3y agoHealth no but life yes
- space_fountain 3y agoI know this used to be true, but is it still true post Obamacare?
- declan_roberts 3y agoYou can not be denied health insurance or charged more because of pre-existing conditions under the affordable care act. Other things such as life insurance is a very different story.
- throw9away6 3y agoIt’s better to not screen for conditions with no treatment
- Aurornis 3y agoIn the United States, insurance plans are prohibited from excluding people based on pre-existing conditions since 2014. I suppose if you tried to get certain types of long-term care insurance or life insurance and failed to disclose this you'd be at risk of losing the policy. But nobody should be avoiding screenings or care for fear of losing health coverage for pre-existing conditions. That stopped being true almost a decade ago.
- mrguyorama 3y agoBut does "Will likely develop a disease in a few years" count as a pre-existing condition?
- alexo67 3y agoYou could apply this kind of thinking to virtually any medical advance. Appropriate regulation would solve the problem.
- throw9away6 3y agoUnless you live in Europe good luck with that