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Fri Aug 20, 2021, 10:02 AM

Asking a question here for the smart ones we have onboard!

Would it be legal and possible for insurance companies to announce that they WILL NOT cover hospital treatment care (of Covid-19) for the UNVACCINATED? I mean set a DATE that say after Jan 1st. 2022, NO VAX? NO COVERAGE! THIS , i think would make people think twice about the shot!

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Arrow 18 replies Author Time Post
Reply Asking a question here for the smart ones we have onboard! (Original post)
bluestarone Aug 2021 OP
LuckyCharms Aug 2021 #1
Ohio Joe Aug 2021 #2
littlemissmartypants Aug 2021 #3
bluestarone Aug 2021 #4
Fresh_Start Aug 2021 #5
bluestarone Aug 2021 #6
womanofthehills Aug 2021 #7
thucythucy Aug 2021 #8
bluestarone Aug 2021 #9
George II Aug 2021 #10
bluestarone Aug 2021 #11
Midnight Writer Aug 2021 #12
brooklynite Aug 2021 #13
yellowdogintexas Aug 2021 #14
JT45242 Aug 2021 #15
Ms. Toad Aug 2021 #16
sarisataka Aug 2021 #17
Ms. Toad Aug 2021 #18

Response to bluestarone (Original post)

Fri Aug 20, 2021, 10:05 AM

1. I don't see this being possible.

It's kind of like them not paying for treatment for lung cancer patients who smoke, or not paying for liver disease treatment for people who drink excessively.

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Response to bluestarone (Original post)

Fri Aug 20, 2021, 10:06 AM

2. While they could deny coverage, I doubt they will...

They want to make money so they would simply put them in their own category and charge them as much as they could.

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Response to littlemissmartypants (Reply #3)

Fri Aug 20, 2021, 10:14 AM

4. TY saw this

Fully agree with it!

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Response to bluestarone (Original post)

Fri Aug 20, 2021, 10:15 AM

5. Most have already shifted costs back to the patient

and since most of the patients are now unvaccinated, it sort of accomplishes your goal

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Response to Fresh_Start (Reply #5)

Fri Aug 20, 2021, 10:18 AM

6. Agree!

IDIOTS gonna pay! (i hope)

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Response to bluestarone (Original post)

Fri Aug 20, 2021, 10:18 AM

7. Are you serious?

So, under this plan a young teen whose low income parent will not Vax them would not be able to get a broken bone set at a hospital. We need more compassion on this site

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Response to womanofthehills (Reply #7)

Fri Aug 20, 2021, 10:31 AM

8. The OP limited the policy to Covid 19 related treatment

so your hypothetical teen with a broken bone would not be at risk.

What IS happening--and apparently this is legal--is private insurers are no longer waiving the co-pays that accrue relating to Covid 19 hospitalizations. Since the vast majority of those hospitalized are people who have chosen to be un-vaccinated, the impact is about the same--no vaccine = no waiving of the costs of hospital treatment.

I would hope however that costs would continue to be waived for people with legitimate medical reasons for remaining un vaccinated, and for children not yet eligible for the vaccines.

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Response to womanofthehills (Reply #7)

Fri Aug 20, 2021, 10:32 AM

9. Are YOU serious?

Did you READ what i wrote? NO coverage for COVID TREATMENT only! CAN you READ? Give me a break!!

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Response to bluestarone (Original post)

Fri Aug 20, 2021, 10:33 AM

10. Some of them have already done something like that. I think it's a great idea.

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Response to George II (Reply #10)

Fri Aug 20, 2021, 10:35 AM

11. Yea it's time to do SOMETHING

To the IDIOTS that refuse the shot for no valid reasons!

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Response to bluestarone (Original post)

Fri Aug 20, 2021, 10:44 AM

12. I expect all of us will be paying higher insurance premiums soon as a result of anti-vaxxers.

Why that is not a Democratic Party talking point is beyond me.

If we don't use it against them they will use it against us, just like rising gas prices.

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Response to bluestarone (Original post)

Fri Aug 20, 2021, 10:46 AM

13. Here's a simple answer...

Your health insurance is a contract between you and the company. COVID vaccine is not yet an approved (non-emergency) solution. Would you want the insurance to have the ability to cancel your policy for some other treatment you didnít take?

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Response to bluestarone (Original post)

Fri Aug 20, 2021, 10:55 AM

14. Insurance plans already increase premiums and deductibles for smokers

These are big plans and it is something the company's benefits committee will work out with the carriers. It may be that increasing premiums and deductibles is the only option. However if it can be done the way the OP suggested, some carrier/employer team will try it. State insurance law has to be taken into consideration.

At benefit selection time, most of these large employers offer more than one plan, and most folks choose based on deductible and premium costs and not the approved services, or network availablilty. A good friend switched plans based on price and a necessary service was denied -her former plan had covered it. She blamed "ObamaCare" so I had to explain it was her employer's fault.

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Response to bluestarone (Original post)

Fri Aug 20, 2021, 11:36 AM

15. Companies may opt for this to keep premiums down

As contracts expire and get renewed, I did venture that this will be a major carrot/stick for employer plans.

1. If you do not require vaccinations, then all premiums go up ...both the employee and employer portions... And they will go up a lot.
2. If you do require vaccinations, then lower cost increases.

3. Only higher premiums for non vaccinations... employer pass on all costs to those employees.

As a former union rep, I wod totally endorse 2 or 3 options

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Response to bluestarone (Original post)

Fri Aug 20, 2021, 11:49 AM

16. Not ACA compliant policies.

ACA policies cannot discriminate based on disease - to prevent insurance companies from selecting expensive conditions from coverage (as many did, or tried to do, with HIV/AIDs).

ACA plans must cover all essential services: https://www.healthcare.gov/coverage/what-marketplace-plans-cover/

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Response to Ms. Toad (Reply #16)

Fri Aug 20, 2021, 12:18 PM

17. As it should be

Have people forgotten how hard it was to fight to get the ACA? We wanted companies to cover "avoidable" health issues like HIV... and childbirth.

Why do we want to give the power back to insurance companies to pick and choose what will be covered? Is it because we think only "those people " will not get the vaccine? There are people, I work with one, who cannot get the vaccine even though there desperately want it.

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Response to sarisataka (Reply #17)

Fri Aug 20, 2021, 12:54 PM

18. Yes, and apparently they have forgotten

the policies which cost an arm and a leg (or more), and excluded any pre-existing condition permanently (if they would even issue a policy), and excluded coverge for many expensive conditions and drugs.

I've lost track of how many threads I've jumped into to remind people about the basic premises of the ACA.



















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