Interesting posting reference, Denise. Remember when I said misinformation and disinformation? Much of this stuff would fall under the disiinformation part of my statement.
It is illegal to cancell your health care for getrting sick. It is not illegal, however, for insurance to be cancelled for "pre-existing conditions. This is one of the reasons that rape may be considered a "pre-existing condition." The insurance industry knows that folks who have been raped tend to come down with expensive things to treat, such as depression, and occasionally aids. They also know that rapes are very underreported because of humiliation, shyness, and the depression itself. Nor is it uncommon for insurance companies to refuse to cover or to refuse to pay for the full treatment for one condition or another for reasons that have tenuous relations with actual medical necessity. This has happened to me.
Here in California, the insurance appeals process is primarily within the control of the insurance companies. You can rarely get these decisions reversed, but it is rare indeed. The iunsurance companies do their very best not to do anything illegal; in practice, thios means acting in ways that won't lose them money, not that will necessarily be good for the patients.
You notice, for example, how they mention that each state regulates its own insurance and must justify any hikes. You do not notice how the companies made a strong effort to get this system set aside during the run up to this bill. You may also have missed the exchange I had with Mike in which he quoted an insurance company executive as saying that they would need a 200-300% rate hike this coming January. This is to offset a rise in their payouts from 60% of benefits to 85% of benefits with the new law.
If your sympathies are still with the poor insurance companies on this point, why not check where the payouts are in relation to premiums in terms of other forms of insurance?
Pardon me while a bust a gut laughing at the notion of union guys with their pinkies in the air drinking latee coffee drinks while you act like insurance executives, bankers and the PR people are down-home folk who have little or no sophistication. Save us O Lord from all tghose Yale and Harvard educated Union Members!
I used to know an insurance commissioner, by the way, from Massachusetts. He did not think well of the insurance industry. He also, to be fair, thought that the Massachusetts No Fault insurance wasn't such a wonderful idea.
You might hate the President, and I don't always love him myself, but the article by the insurance company Flack was seriously misleading and disgusting. Why Oh why would you take the word of people from the insurance industry?