Killing Obamacare means pre-existing conditions not covered!!!

https://www.sharecare.com/health/health-insurance/if-pre-existing-condition-hippa

HIPAA (Health Insurance Portability and Accountability Act) protects you if you have a pre-existing condition in several ways. First, if you switch jobs or take a new job that offers a group health plan, you can’t be denied access to that healthcare plan just because you have a pre-existing condition. The new group plan can, however, exclude you from coverage for that particular pre-existing condition for up to 12 months. This is a compromise that HIPAA brought about. Before the law, the plan could just deny you coverage for that condition…forever! The law also lets you reduce (or completely get rid of) that 12-month exclusion period, if you had continuous health insurance coverage in the last year (meaning coverage that had breaks no longer than 63 days).

Happy? Then just wait a second. The insurance companies distrust each other and you. So, the story’s a little different for individual insurance. If you had group insurance and lost it, then HIPAA prevents the individual plans from denying you coverage as long as you had continuous coverage for 18 months. However, HIPAA can’t protect you if you only have an individual insurance plan, so an insurance company can still refuse to give you insurance based on a pre-existing condition


what does this mean? it means everyone who is kicked off Obamacare, when they try to buy a new insurance plan, an individual plan, their pre-existing conditions are screwed!!!!

Obamacare fixed all that, but now the SCOTUS will probably kill this, thanks to Trump.

 

"Obamacare" is not a plan itself, so why would anyone get kicked off?

 

I think he’s referring to the exchange plans. The exchange plans, while administered through private insurance, were developed through ACA, therefore I believe if ACA is killed then the exchange plans go away.
But no worries, Trumps plan...
On Oct 25, ”It is developed, it is fully developed. It's going to be announced very soon”
On July 19, Trump told "Fox News Sunday" anchor Chris Wallace that "we're signing a health care plan within two weeks, a full and complete health care plan that the Supreme Court decision on DACA gave me the right to do."
On August 3, Trump said that "we're going to be introducing a tremendous health care plan sometime prior — hopefully, prior to the end of the month. It's just completed now."

 

More fear mongering.. All that has to be done is pass a bill preventing any and all insurance providers from discriminating against any customer for pre-existing conditions.

Yes, it could be just that simple

 

Because the exchange plans are part of ACA. No ACA, no exchange plans. Not sure what you don’t understand about that.
Based on your comment about me...seems you’re a bit triggered. Sorry if pointing out the truth gets you so emotional.

 

Do you have a link that says this? Otherwise it's fake news.

 

Why do I seem triggered? I questioned why you went off on a 10 line cry fest and you are calling me triggered? LOL ok, as you were.

 

I guess history and logic need a source now or it is “fake nuze”...

If you really believe that insurance companies will suddenly start doing the right thing instead of fighting it in the courts then I will just say I hope you are correct. What was happening prior to the ACA goes against that sentiment however.

 

Quoting Trumps word is a cry fest? You really are emotional.

 

If they like their plan, they can keep their plan.

 

Totally dumb of Obama to say that. See, that’s how you call out both sides.

 

For the love of everything holy, can we stop referring to cost sharing as insurance? If you don’t want insurance companies to sell health insurance don’t let there be health insurance companies. If we want cost sharing, be it voluntary or involuntary, let’s call it what it is.

 

My guess is that if the PPACA is struck down by the Courts, people would still have until the end of their policy period before any changes could be made which could give Congress enough time to act. For that matter, states can just enact there own law that insurance policies sold in the state have to cover pre-existing conditions. This is the one aspect of health insurance most everybody agree on. I think the support for coverage of those is somewhere around 3 out of 4 people surveyed.

 

Obamacare IS our Health Insurance Law. If Obamacare is overturned, we go back to what we had before. Which means that if you have pre-existing conditions, you will either not get coverage, or they will be excluded or you get to pay extra to cover them.

 

Most of these problems, if not all, would be solvable if we in fact had a government "of the people, by the people, for the people". Why don't we go for that? Then we could have national health insurance like 70% of the population wants.

 

Obamacare= the ACA exchanges. they are all private insurance plans.

if Obamacare is killed by the SCOTUS, so does the pre-existing condition clause.

that means ANYONE loses their Obamacare plan and tries to buy new private insurance, will not have their pre-existing conditions covered. Cuz HIPPA doesn't cover it.

 

they have had from 2010 back to do it.

they never did.

why would they do it now?

they hate regulations and think corporations should be allowed to screw people

 

HIPPA only protects pre-existing conditions if your previous plan was part of a group policy

 

what about all the other tragedies that the ACA helped prevent?

like monthly maximum benefits, yearly maximum benefits, lifetime maximum benefits, discrimination against the obese, smokers, pregnant people, etc etc?

the ACA fixed a ton of holes in our health insurance industry, and now the GOP wants to kill it all

 

There was no reason to pass laws state by state that already existed nationally.

 

before 2010 no such national law existed.

prior to 2010, people who had private insurance had no pre-existing condition protection.

and prior to 1996, ALL Americans had no pre-existing condition protection,.

Thank you President Clinton.

 

You asked why they hadn't passed such laws since 2010, and I responded because federal law already provided for it. I am not sure what that jetsam and flotsam you just posted is all about but if you are thanking Clinton, be sure to thank him for sending our manufacturing base overseas and unleashing financials so they could create the Great Recession while you are it it.

 

Part of why this woman was appointed...was to overturn the ACA and no Executive Order can protect pre-existing conditions

 

And the other reason was to overturn Roe

 

Good! Not only was Roe morally repugnant, but bad Constitutional interpretation. the issue would go back to the states WHERE IT BELONGS!!!!