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lapfog_1 Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Dec-19-09 03:45 PM
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5. According to the analysis
but I haven't found the supporting language yet, No. In fact, from day one, insurance companies are forced to accept children with pre-existing conditions.

Not so much for the rest of us, however.

Those of us adults with pre-existing conditions will not be included until the exchanges are up and running, in 2014. In the meantime, we are placed in a "high risk" pool and afforded health insurance by paying for it (and you know the premiums are going to be enormous). It will be subsidized, but if you are (I believe) 4 X over the poverty level, no subsidy for you. I've been quoted insurance before (I've been without for 14 years now). My premium will be at least $2000 a month, and with a $15,000 to $20,000 deductible - 14 years ago it was $1200 a month with a $10,000 deductible... and that was the best price I could find then. The high risk pool isn't going to be any better.

I've already resigned myself to no insurance until 2014. And then, well I'm over 50 now, and they are allowed to price in for age, up to 4 X the lower premiums. I probably still can't buy insurance and I still won't qualify for subsidy.

So, basically, I'll be one of the estimated 6% of all Americans who "fall through the crack".

Oh, but I'll be paying the fine for the rest of you.

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  -Does The Current Bill Still Allow Insurers To Discriminate Against Children Based On Pre-existing... TomCADem  Dec-19-09 03:34 PM   #0 
  - No it does not  angee_is_mad   Dec-19-09 03:35 PM   #1 
  - Damn it! It Should Be A No-Brainer To Ban Denying Coverage For Kids Due To Pre-Existing Conditions  TomCADem   Dec-19-09 03:44 PM   #4 
  - Well ...  BP2   Dec-19-09 03:40 PM   #2 
  - I believe for minors  bigwillq   Dec-19-09 03:42 PM   #3 
  - AP - Update - Found A Story Saying That The Children Pre-Existing Condition Ban Is Immediate  TomCADem   Dec-19-09 06:06 PM   #12 
  - According to the analysis  lapfog_1   Dec-19-09 03:45 PM   #5 
     - I'm in the Oregon Insurance Pool  sandnsea   Dec-19-09 04:08 PM   #6 
     - Let me get this straight...  lapfog_1   Dec-19-09 04:30 PM   #7 
        - Not remotely  sandnsea   Dec-19-09 04:49 PM   #8 
           - Wildly distort... go read your post again...  lapfog_1   Dec-19-09 05:08 PM   #9 
              - I apologize, I mistyped  sandnsea   Dec-19-09 05:17 PM   #10 
                 - Ah, you have a subsidy.  lapfog_1   Dec-19-09 05:49 PM   #11 
                    - More info  sandnsea   Dec-19-09 07:24 PM   #13 
                       - Yeah, I thought about supporting the bill just for the reason you stated.  lapfog_1   Dec-19-09 08:43 PM   #14 
     - "I've already resigned myself to no insurance until 2014."  depakid   Dec-19-09 08:51 PM   #15 

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