retired school personnel meeting today. had the privilege of being next to a resident (said he was on zoning board but his name is not listed) who is concerned about the possibility of having the Indian community buy land across from the Atlas country club and build a cricket field. he has 1 indian dr, and he volunteers at genesys and finds the drs there "do not have a chip on their shoulders." he seemed concerned about the caste system but at least "these are drs not rickshaw drivers". afraid that the cricket club might be private. (well there are private golf courses around--maybe even the atlas one). he thinks genghis khan was the greatest liberal. maybe he was being funny? i said i was too. he said he'd forgive me. i said i wouldn't. he has a friend who told him the "governor is a money guy" so he thought he was a good choice. he asked where i lived which was near his place on hill road and M-15. seems he's spotted the wind generator when he was using his binoculars and wants to visit. must have been in winter since there are lots of trees now and i can't see his place from here. maybe roof based binoculars? what a talker--exercise tips, gardening tips, going to build own windmill, bad back, fixing up the old milk house, etc
ever heard of a veterinary dispensing fee? tried to get 1 month of mac's pills but only 14 in stock so i paid 8$ for them. when more came in i could get them and pay the extra 24 or 26. (i have been paying 21 for 60) i asked why so much? how much are 60? she checked the computer and said 21 and then explained there is now a 10$ fee for dispensing meds. but i could order on line now (brochure there) and yes indeed if you order at least 38$ shipping is free. by the time i was opening the door to leave i was already thinking of new vets. but about 2 hrs later the friendly vet called and suddenly there were 46 more pills there and i could pick them up--and they'd waive the fee. i felt blessed (but not placated)
The Republican plan to repeal and replace the Affordable Care Act (ACA), which narrowly passed a vote in the House today, rolls back protections for people with pre-existing conditions, which could increase health care costs for an estimated 130 million Americans.
The American Health Care Act stipulates that states can allow insurers to charge people with pre-existing conditions more for health insurance (which is banned under the ACA) if the states meet certain conditions, such as setting up high-risk insurance pools. Insurers still cannot deny people coverage outright, as was a common practice before the ACA's passage, but they can hike up premiums to an unaffordable amount, effectively pricing people out of the market.
In fact, premiums could reach as high as $25,700 per year for people in high-risk pools, according to a report from AARP. People who receive insurance through their employer would not be affected, unless they lost their job or moved to the individual insurance market for some other reason.
But what counts as a pre-existing condition? While it depends on the insurer—they have the right to choose what counts as "pre-existing"—these ailments and conditions were universally used to deny people coverage, according to the Kaiser Family Foundation, a nonprofit focusing on health care research.
- AIDS/HIV
- Alcohol or drug abuse with recent treatment
- Alzheimer’s/dementia
- Anorexia
- Arthritis
- Bulimia
- Cancer
- Cerebral palsy
- Congestive heart failure
- Coronary artery/heart disease, bypass surgery
- Crohn’s disease
- Diabetes
- Epilepsy
- Hemophilia
- Hepatitis
- Kidney disease, renal failure
- Lupus
- Mental disorders (including Anxiety, Bipolar Disorder, Depression, Obsessive Compulsive Disorder, Schizophrenia)
- Multiple sclerosis
- Muscular dystrophy
- Obesity
- Organ transplant
- Paraplegia
- Paralysis
- Parkinson’s disease
- Pending surgery or hospitalization
- Pneumocystic pneumonia
- Pregnancy or expectant parent (includes men)
- Sleep apnea
- Stroke
- Transsexualism
But Cynthia Cox, Kaiser's associate director, notes that the above list is a conservative sampling of all of the issues and maladies that insurers could count as pre-existing conditions. " There are plenty of other conditions, even acne or high blood pressure, that could have gotten people denied from some insurers but accepted and charged a higher premium by other insurers" says Cox.
Here are some examples of those other conditions that experts have noted could hike premiums:
- Acid Reflux
- Acne
- Asthma
- C-Section
- Celiac Disease
- Heart burn
- High cholesterol
- Hysterectomy
- Kidney Stones
- Knee surgery
- Lyme Disease
- Migraines
- Narcolepsy
- Pacemaker
- Postpartum depression
- Seasonal Affective Disorder
- Seizures
- "Sexual deviation or disorder"
- Ulcers
The left-leaning Center for American Progress notes that high blood pressure, behavioral health disorders, high cholesterol, asthma and chronic lung disease, and osteoarthritis and other joint disorders are the most common types of pre-existing conditions.
Just how expensive are pre-existing conditions? A recent report from the Center for American Progress found that insurers could charge people with metastatic cancer as much as $142,650 more for their coverage, a 3,500% increase.