Originally posted by: Wreckem
1.) Illegalize Pre-Existing Condition Clauses (i.e., discrimination because of disability)
Insurance companies couldnt afford that. People who have pre-existing conditions would cause them to lose hundreds of millions or even billions a year.
Ok, I'll bite
You are of course correct, it isn't profitable. Perhaps HMOs should be not-for-profit organizations.
I have never had a cigarette, done drugs, I rarely drink, and when I was diagnosed I was an ROTC cadet who had recently scored 'Outstanding' on the Air Force Physical Fitness test. I was scheduled to go active duty this past May.
Because I was unlucky enough to get cancer, I should die. My follow on treament runs about 20,000 dollars a year. No matter what I pay, no one is going to make a profit off of me...cept maybe the drug companies.
Every time I go for a CAT scan, I get a letter from Bluecross/Blueshield telling me that they are reviewing the medical need of the procedure. These cat scans are used to determine if I am still in remission. The key to treating cancer is finding it EARLY so that it can be treated before it spreads.
If I don't have adequate preventative maintenance, my cancer could very easily come back and spread and I wouldn't know until it is to late. I would almost certainly die. Because I wasn't profitable, I am not worth treating.
That is the core of your argument, even though it's not what you said. Cancer death rates among the uninsured are DOUBLE that of those who have adequate healthcare. It's a death sentence.
Cancer survival rates among 20-40 year olds has declined in the past 30 years, while all other survival rates have improved. This group is the most likely to not have adequate healthcare.
Now, not everyone is like me, but I'm going to assume I'm not the only person who had a run of bad luck.
So my response to it not being profitable? To bad. You can't put a price tag on a life.
I should mention that both Hillary and Obama plan to outlaw pre-existing condition clauses.