想了解一下,pre existing怎么算?是之前没有保险现在开始买的话不保,还是每年renew的时候,没好的病算pre existing,还是换保险公司的话没好的病算pre existing? 要是生了大病/长期病,之前有保险,保险公司可以拒绝renew或者使劲涨价吗? vya 发表于 1/22/2017 4:39:34 PM
Woman's Double Mastectomy Denied Over Disputed Acne Treatment. CNN reported that in 2009
Robin Beaton found out last June she had an aggressive form of breast cancer and needed surgery -- immediately. Her insurance carrier precertified her for a double mastectomy and hospital stay. But three days before the operation, the insurance company called and told her they had red-flagged her chart and she would not be able to have her surgery. The reason? In May 2008, Beaton had visited a dermatologist for acne. A word written on her chart was interpreted to mean precancerous, so the insurance company decided to launch an investigation into her medical history. Beaton's dermatologist begged her insurance provider to go ahead with the surgery. [...] Still, the insurance carrier decided to rescind her coverage. The company said it had reviewed her medical records and found out that she had misinformed them about some of her medical history. Beaton had listed her weight incorrectly. She also didn't disclose medication she had taken for a pre-existing heart condition -- medicine she wasn't taking when she originally applied for coverage. [CNN, 6/16/09]
Trump 说的大话太多。本来一直说要 repeal obamacare on his 1st day in office。结果也没 repeal,只是签署了一个 executive order,让国会就 repeal/replace obamacare立法。等于是把烫手的山芋甩给了国会。这政治炸弹谁接?都知道红脖用 obamacare 的最多了。
Trump 说的大话太多。本来一直说要 repeal obamacare on his 1st day in office。结果也没 repeal,只是签署了一个 executive order,让国会就 repeal/replace obamacare立法。等于是把烫手的山芋甩给了国会。这政治炸弹谁接?都知道红脖用 obamacare 的最多了。
高DEDUCTIBLE保费还便宜呢,而且HSA还省税,而且都有OUT OF POCKET LIMIT,根本不是你说的那样,忽悠谁呢
ScottishFold 发表于 1/22/2017 9:13:36 PM
你才不懂忽悠人呢。如果一个人知道自己不会生病,买high deductible当然好。但一旦生大病或去er,自己掏腰包花几万美金是很有可能的。保险公司最喜欢你们买这种保险,收了保费还不用cover medical cost。
Health Savings Accounts Lucrative for Insurers, Costly for Consumers 23 June 2011 Insurers aim to push consumers into high-deductible plans like HSAs, phase out low-deductible plans.
你才不懂忽悠人呢。如果一个人知道自己不会生病,买high deductible当然好。但一旦生大病或去er,自己掏腰包花几万美金是很有可能的。保险公司最喜欢你们买这种保险,收了保费还不用cover medical cost。
Health Savings Accounts Lucrative for Insurers, Costly for Consumers 23 June 2011 Insurers aim to push consumers into high-deductible plans like HSAs, phase out low-deductible plans.
现实情况是,医疗保险很难顾周全。
obamacare要求保险公司报 pre-existing disease是很大进步。坏处是对普通人保险cost 太大.
65岁以后有medicare
Paul Ryan不是要改革medicare么? 推迟medicare的年龄也一直在提
加州的Kaisers 开不下去,不是富人不愿意给穷人买单,而是有pre-existing condition的某些人,看了病,做了手术就把保险取消了。
现在是保险公司不能开下去了。
一直看病的就是有 pre-existing condition了。
进 high risk pool.
this is not good.
high risk pools收费太高,必须要各州subsidize的,一样是占纳税人买单。
老毛说,美帝国主义的宣传都是毒药。
Trump 说, MSM 整天骗人.
华人父母很多就是非法移民。
华人父母都是偷渡来的吗? 美国当然不管偷渡的,管你是不是华人,非法的当然不应该享受福利.
你这是模糊数学。首先根本不知道 Trump 的就业计划会不会成功。其次,50岁以后就是有工作的人也非常容易被资本家 fire。
非法的当然不应该享受福利 -- Agreed
你没有VISION, 也不了解国际形势, 我知道川普要干什么, 川普肯定能成功
资本家敢这么干,还不是因为放任无度的移民政策和工作外包加全球化让他们能这么随意, 美国过去整个国家方向和策略都是错的,川普把这些人全骂了.
妇女肯定有的,川普其实是喜欢女人在家带孩子那种.
很容易,第一步,财产转移,第二步,没工作没财产的用medicaid,说实话没有奥巴马医保之前你听说过有什么人因为医疗破产的吗?
Robin Beaton found out last June she had an aggressive form of breast cancer and needed surgery -- immediately.
Her insurance carrier precertified her for a double mastectomy and hospital stay. But three days before the operation, the insurance company called and told her they had red-flagged her chart and she would not be able to have her surgery.
The reason? In May 2008, Beaton had visited a dermatologist for acne. A word written on her chart was interpreted to mean precancerous, so the insurance company decided to launch an investigation into her medical history.
Beaton's dermatologist begged her insurance provider to go ahead with the surgery.
[...]
Still, the insurance carrier decided to rescind her coverage. The company said it had reviewed her medical records and found out that she had misinformed them about some of her medical history.
Beaton had listed her weight incorrectly. She also didn't disclose medication she had taken for a pre-existing heart condition -- medicine she wasn't taking when she originally applied for coverage. [CNN, 6/16/09]
知道什么是 pro business,就是什么对资本家有利,做什么。所以他那么多减税政策,还有废除各项监管(资本家可以自由自在的污染环境了)
看看他任命的劳工部长,好象是家快餐店的老板,就是强烈反对加最低工资的那个,曾经说过,他更喜欢机器人,因为机器人不会迟到,不会生病,不会变老,不会告他歧视。
你觉得资本家要是在你50岁的时候把你炒了,然后你去劳工部告你老板年龄歧视,这样的劳工部长会帮你说话?
奥巴马医保之前, 很多人在grocery store 前募捐钱给自己家人治病的。
medicaid 和 medicare 也要削减费用了。真心话,共和党纯粹是为资本家说话,别期待太高了。你看看 Trump 的内阁那么多大富豪也知道怎么回事了吧。
如果市场上LABOR 紧俏,你看看公司会不会随便裁人.
很多人?我来美国十六年呆过6个州真是没在超市见过一个给自己医疗募捐的人,给各种福利机构募捐筹钱的倒是有,要饭的也见过。到需要到超市募捐的程度(估计真有重病估计站个半年也凑不够)还不如去申请政府和一些机构的医疗福利。不是好多华人父母到美国来得了病都治了没花自己几毛钱吗?
我也没想到会有一天上班的人会沦落到高烧几天扛着不敢去医院。
不要问我为什么最低档的保险费那么贵,为什么看个感冒这么贵,我还想问08为什么 ---发自Huaren 官方 iOS APP
没了 o8care,你父母占便宜医疗的日子已经一去不复反了。
别忘了,你来美国的最近8年是有 o8care 的。有o8care 谁还需要去讨钱治病。
medicare 经费削减以后,住院应该也不会全保了。
共和党一上台就是要减这个福利减那个福利,然后每次共和党上台都要发生经济危机。
别做梦。全世界有钱人多的很。你不去看,美国医生护士饿不死。
很多人真想当然。不过每个共和党政府都搞出经济危机。从来没有例外。
华人这点工资算啥,一旦生病被擂,马上跌出中产。觉得投 Trump 的都是特别容易上当受骗的那群人,别人不管怎么呼悠他们都相信。Trump 不是说,就是在第五大道他杀人了,投他的人一个不少。他是看透了他的那些粉丝,脑子和猪有一拼。
你要是买的是高deductible的保险,半夜急诊去一次er的开销比以前十年的开销还要大一点都不足为奇。至于允许搞pre-existing conditions后保险公司是否会以各种理由拒付claim,我的回答是不会才怪。
保险便宜的不就是这样么,便宜的就是别生病,生病生的不巧就花费大。但高烧几天扛着不看也是真节俭啊,万一有个啥肺炎啥的用到out ofpocket难道才会觉得赚了?
很多保险都要CO-PAY, DEDUCTIBLE,你为什么会觉得全保是理所应当的? 民主党就是乱让穷人TAKE RISKY LOAN,这些人没钱就不应该乱借钱。
川普把工作拿回美国,人家蓝领工作的有公司保险,你以为都跟你一样想着占美国便宜。
很多不是人命关天的现在也是动不动就去看医生,就是滥用。
以后严查非法移民,看他们还去不去ER,美国医疗开支很多都是被非法移民花掉了。
那OBAMACARE取消掉MEDICARE会更好,要CUT是MEDICAID吧,贡献少的就不应该享受和在美国工作很多年的人一样的待遇。
其实很多红脖都得益于Obama care,并不想要取消。
Trump 的 promise,10里面个能做成功一个了不起了。
猫你疯了吗?risky loan 也是民主党的错了? 经济危机是在哪党的统治下发生的?2007年哦,别摔锅给民主党说是民主党的烂摊子,因为共和党在此之前一直在执政7年啊!
是民主党克林顿造成的,它让中国进入WTO, 导致的后来的08年金融危机,克林顿是美国的罪人:
中共政策造成美国房市泡沫里的债务堆积,触发了2008年全球金融危机
中共经常账户盈余的疯狂增长是源自于出口,而不是国内消费。实际上,中共通过将工人收入转移给企业的政策,抑制了国内消费,让中国人购买外国商品的能力下降。这样导致的贸易顺差是中国经常账户盈余巨大的主要原因。
由于中国经济规模巨大(占全球GDP的16%),当它遏制它自己的消费的时候,它也削减了很大一部分全球需求。疲软的需求意味着每个国家的经济增长下降。
更糟糕的是,根据经济学家伯恩斯坦(Jared Bernstein)的理论,任何生产持续超过消费的国家都会迫使其它国家来平衡它。这种调整意味着,那些贸易伙伴的储蓄率必须下降,以便它们的消费可以超过它们的生产。因此,它们要么减少国内生产、让工人失业,要么必须借钱来支付它们过多的消费。
在过去的二十年里,由于美元作为全球储备货币的地位,美国首当其冲承受着中共政策的恶果。中共政策造成美国房市泡沫里的债务堆积,触发了2008年全球金融危机,也造成制造业大规模裁员,从而令川普(特朗普)崛起。
Health Savings Accounts Lucrative for Insurers, Costly for Consumers
23 June 2011
Insurers aim to push consumers into high-deductible plans like HSAs, phase out low-deductible plans.
http://wendellpotter.com/2011/06/health-savings-accounts-lucrative-for-insurers-costly-for-consumers/
你又在胡扯了,HIGH DEDUCTIBLE PLAN 很多OUT OF POCKET MAX也就8000,加上DEDUCTIBLE 2千多,一共1万出头最多了,根本用不了几万。
You are so sick. My parents never used free medical care in the U.S. Your parents are the thieves of the United States taxpayers.
2008 depression is called the sub-prime loan crisis and not called WTO crisis.
你父母虽然现在没用,你本来是打算将来让他们蹭福利吧?
你的脑子实在是不行,你看不懂我贴的就看不懂吧。
My parents worked in the united states for many years. They have their own health insurance.
What about your parents? They must have been thieves to the system for a long time.
You are the brain damaged one. Period. In fact, you are almost a lunatic.
哈哈,我父母有自己的保险,自己买。
YOU ARE VERY STUPID.
YOU ARE A JERK AND ASSHOLE.
BESIDES, YOUR PARENTS ARE THIEVES TO THE US TAXPAYERS.
我支持川普REPEAL OBAMACARE啊,我家从来没吃过福利。 倒是你总是提害怕川普REPEAL OBAMACARE父母没保险。
Your parents are pathetic liars. They are also thieves to the US taxpayers.