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Old 23-09-2020, 13:21   #1
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Will surviving Covid19 become a pre-existing condition?

Now that many millions of Americans have survived Covid19 we have seen that many of them have recovered, but have many long term lingering effects. Others have never fully recovered at all. Will our insurance companies use this as a reason to deny or exclude coverage?

The ACA bans such discrimination, but the soon to be 6-3 SCOTUS could strike down the entire act in a few months. Certainly the current administration is dedicated to this, as they have clearly stated many times. What will be the long term effects of having millions of young citizens who test positive for antibodies or who have a recovered case of Covid19 in their medical history unable to purchase health insurance for the rest of their lives?

The President recently said that a new healthcare plan is two weeks away and has also said that he will “do pre-existing”. Will this be enough?
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Old 23-09-2020, 14:21   #2
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Re: Will surviving Covid19 become a pre-existing condition?

Aaaah, whose crystal ball can we use for this?

In the way that the chicken pox virus stays in the cells and can later cause shingles....well, we don't yet know what other surprises Covid 19 has in store for us! I was talking with a retired virologist the other day, who said that if you have antibodies, you still have the virus hanging out, dormant, as it were. Waiting to do who knows what? It is very hard to plan for unknowns. Might be better to plan for other pandemics, which could spread more rapidly, have a greater mortality rate.

Or, simply learn more about and accept reasonable prophylaxis.

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Old 23-09-2020, 15:24   #3
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Re: Will surviving Covid19 become a pre-existing condition?

I was wondering if we can trust the insurers not to use Covid19 as an excuse to deny coverage. It could get quite expensive for them if they didn’t. I was denied coverage due to tinnitus and high blood pressure for several years even though medications kept the BP under control. It wasn’t until I turned 65 that I was able to get healthcare coverage. It sounds like the after effects of Covid19 are a lot more serious than that!
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Old 23-09-2020, 16:05   #4
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Re: Will surviving Covid19 become a pre-existing condition?

I would just be assuming that it likely will be a pre-existing condition. Insurance uses anything they can get away with.
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Old 23-09-2020, 16:22   #5
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Re: Will surviving Covid19 become a pre-existing condition?

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Originally Posted by Woodland Hills View Post
>>>>>>>>>>>>>>>>>>>>>
The President recently said that a new healthcare plan is two weeks away and has also said that he will “do pre-existing”. Will this be enough?

He's been saying this for the past four years. Have you been offshore all this time?
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Old 23-09-2020, 16:47   #6
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Re: Will surviving Covid19 become a pre-existing condition?

Many Covid-induced problems should/would be subject to pre-ACA policy discrimination unless new regulatory changes were introduced.

But the writing is on the wall...the public option is coming sooner than later while a Covid-induced expansion of the risk pool coupled with ACA going away would just bring the public option on the table sooner. The public option wouldn't exclude pre-existing condition while its arrival will be the death knell for health insurance as we know it in the US.

If the ~left wins WH, senate, house, I'd suggest >>50% chance that a public option law will pass in <4 years. People certainly wouldn't have to choose it, but for the average person/family it would have lower premiums meaning for consumers more disposable income if chosen. <---why the insurance industry doesn't want it on the table/as an option when people chose which policy every year.
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Old 23-09-2020, 16:57   #7
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Re: Will surviving Covid19 become a pre-existing condition?

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He's been saying this for the past four years. Have you been offshore all this time?
Sarcasm
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Old 23-09-2020, 16:59   #8
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Re: Will surviving Covid19 become a pre-existing condition?

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Many Covid-induced problems should/would be subject to pre-ACA policy discrimination unless new regulatory changes were introduced.

But the writing is on the wall...the public option is coming sooner than later while a Covid-induced expansion of the risk pool coupled with ACA going away would just bring the public option on the table sooner. The public option wouldn't exclude pre-existing condition while its arrival will be the death knell for health insurance as we know it in the US.

If the ~left wins WH, senate, house, I'd suggest >>50% chance that a public option law will pass in <4 years. People certainly wouldn't have to choose it, but for the average person/family it would have lower premiums meaning for consumers more disposable income if chosen. <---why the insurance industry doesn't want it on the table/as an option when people chose which policy every year.
What happens if SCOTUS does not agree? Or if the current administration is re-elected? Certainly the ACA is not going to last more than a couple of months into the new year no matter who get elected.
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Old 23-09-2020, 17:25   #9
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Re: Will surviving Covid19 become a pre-existing condition?

Both sides have been abundantly clear emphatically stating any new health insurance law would cover pre-existing conditions. This is a non-issue which the media has disingenuously reported as a scare tactic.
As it relates to C 19, we won’t know for years definitively if or in what form C 19 latency might create lingering symptoms directly attributable to this virus so it’s all a moot point.
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Old 23-09-2020, 18:48   #10
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Re: Will surviving Covid19 become a pre-existing condition?

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Both sides have been abundantly clear emphatically stating any new health insurance law would cover pre-existing conditions. This is a non-issue which the media has disingenuously reported as a scare tactic.
As it relates to C 19, we won’t know for years definitively if or in what form C 19 latency might create lingering symptoms directly attributable to this virus so it’s all a moot point.
The GOP has been promising they’ll have a grand new plan for ~4 years. I’m not holding my breath.
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Old 23-09-2020, 18:58   #11
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Re: Will surviving Covid19 become a pre-existing condition?

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What happens if SCOTUS does not agree? Or if the current administration is re-elected? Certainly the ACA is not going to last more than a couple of months into the new year no matter who get elected.
If SCOTUS removes pre-existing condition protection and the WH doesn't change it'll be quite interesting. There's zero slack in the system...bringing more people in requires reducing other people's benefits (including industry bloat), or increase the cost of entry such that more people don't come in because they can't afford it. In every event you'll piss people off, so, in politics, when you have to piss people off, you do so to those who have the smallest voice and/or public sympathy.

So it's not merely a matter of having pre-existing condition protection...if ultimately you can't get people in (for whatever other reasons) then boasting about providing pre-existing condition protection with the new plan is a manifestation of a shell game, not a solution.

People should be scared, or at minimum pissed. They're paying most in the world % of GDP for healthcare, the outcomes for this investment are not top-tier, and a substantial percentage of the population aren't even covered. Where else but healthcare can Americans 'pay a lot more, get a lot less...at lower quality...and be proud of it all' than in healthcare. Otherwise it's naive/uniformed to say that we don't know that Covid will ultimately cause appreciable increased costs to the healthcare and social net system.
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Old 23-09-2020, 19:58   #12
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Re: Will surviving Covid19 become a pre-existing condition?

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The ACA bans such discrimination, but the soon to be 6-3 SCOTUS could strike down the entire act in a few months.
The President recently said that a new healthcare plan is two weeks away and has also said that he will “do pre-existing”. Will this be enough?
He promise a plan “in two weeks” - for the last three years, just as he promise to expose his tax returns and that the Covid-19 will disappear by the summer - all in just two weeks. And there is, as we all know, a long list.

The reality (show...) is there is no plan, there was never a plan as it will first of all heavily hurt his own base. The GOP objects any progressive healthcare coverage reform made for the entire population, simply as it has been created by a democratic administration. Yet, creating baseless claims five times a day just to generate another spin and escape the real issues.
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Old 23-09-2020, 20:40   #13
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Re: Will surviving Covid19 become a pre-existing condition?

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Originally Posted by S/V Illusion View Post
Both sides have been abundantly clear emphatically stating any new health insurance law would cover pre-existing conditions. This is a non-issue which the media has disingenuously reported as a scare tactic.

........................

There is only one side that is now in court trying to take away that protections. It starts with the letter that comes after Q and before S.
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Old 24-09-2020, 08:07   #14
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Re: Will surviving Covid19 become a pre-existing condition?

Talk about incendiary posts.


If a law is unconstitutional it should not have been passed in the first place, and it needs to go in the trashcan. If constitutionality of such major legislation is so marginal that one Supreme Court Justice could determine one way or the other, perhaps the law should have been more carefully crafted. If a law is unconstitutional, you can lobby your senators and congresspeople, and have a new law proposed and voted on that is constitutional. This is the process established in the US Constitution.



Otherwise, toss the Constitution in the trashcan.
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Old 24-09-2020, 08:17   #15
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Re: Will surviving Covid19 become a pre-existing condition?

What astonished me is the richest nation in the world which harps on about freedoms and justice had such a one sided overpriced and political health system.
Madness. I hope all get the treatment they deserve
In post covid conditions, this is not uncommon, for post viral fatigue to become and issue for some, glandular fever , flu bad does of chicken pox can send the immune system into overdrive most recover other will form M.E and has nothing to do with covid perse, its is just another virus that has affected the person differently.
Why I know , as a retired biologist with M.E and an immune system that has gone mad , 90% vitiligo, gluten eggs, lactose, sugar, processed foods, all become allergic to cthem my body is in hyperdrive2
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