The article referenced below says it all. First, the employee based system is outmoded and dates from a post-WWII reality that no longer exists. Persons change jobs and lose jobs. It happens every day. Additionally, employers should not be burdened with the need to deal with health insurance at all, in any form and at any level. It really is not their business (pardon the pun). It is an individual responsibility and should be an individual mandate as a responsible American citizen (see item 1 under “the plan” on this site).
Second, if you refer to “the plan” on this site, you will see under item 10 that pre-existing conditions, or current illness should in no way effect a persons ability to buy health insurance in the private market, or access alternative programs if they cannot afford private coverage (i.e. Medicare or Medicaid).
In summary, this situation should not exist in these United States of America. The solutions to this problem, as we have said over and over again, do not require a major legislative initiative or some bureaucratically created new agency, they require common sense and the willingness to act. Is our President listening? If we can bail out banks, insurance companies and auto companies with executive action, it is time to “bail out” all Americans when it comes to health care coverage and health insurance. Real Health Reform begins here . . . obi jo
With Son in Remission, Family Looks for Coverage
HUMBLE, Tex. — When Danna Walker left the second-floor conference room and returned tearily to her desk — where someone had already deposited a packing box for her belongings — her first thought was not of the 14 years she had worked for DHL or the loss of her $37,000-a-year salary.
It was of Jake. In three months, once her benefits ran out, how in the world would she provide health insurance for Jake, her mountainous, red-headed 21-year-old son, who had learned three years earlier that he had metastatic testicular cancer?
With Son in Remission, Family Looks for Coverage – http://www.nytimes.com/2009/04/21/us/21uninsured.html?scp=1&sq=With%20Son%20in%20Remission,%20Family%20Looks%20for%20Coverage&st=cse
(1) All persons must have health insurance from the private sector or government sponsored plans. – http://realhealthreform.wordpress.com/the-plan/details-on-the-plan/
(10) . . . pre-coverage physicals, pre-existing condition exemptions and the like will no longer be necessary – the premium is set and if I can afford it I buy it. I cannot be denied coverage for non-financial reasons. Companies will have to compete on efficiency of their systems and overall quality of their services – http://realhealthreform.wordpress.com/the-plan/details-on-the-plan/
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I got asked if tetsticular cancer was a pre-existing condition the first time I had testicular cancer. I had to prove I had coverage in order to get my medical bills paid.
It is really sort of a sick game that insurance companies would deny paying for anything because you were uninsured for a period of time. Nobody wants these ailments. Nobody wants a burden of proof that they were insured.
You are right on target. We have argued repeatedly for elimination of all pre-existing condition exclusions as well as the ability of health insurers to drop subscribers who become ill. These are practices which must stop and could be stopped RIGHT NOW BY MR OBAMA . . . no major health plans or revisions needed, just Presidential will to act and take on big insurance . . . obi jo
Here here! Let’s take them on an tell Obama that we will suporrt him if he does, too!