12 Actual Pre-Existing Conditions From Before The Affordable Care Act

[sheshe2]

Before the Affordable Care Act, health insurance companies could refuse to cover you because you had one of these “pre-existing conditions.” Here’s a Throwback Thursday to confuse your brain.

1. Pregnancy.


Pregnant women could be denied coverage. That was a thing.

snip/

Here’s the good news

When you shop on the new marketplace, you won’t be asked if you have a pre-existing condition. Thanks to the Affordable Care Act, you have basic protections from crazy insurance company abuses, and pre-existing conditions are no longer a thing.

Now that’s something to celebrate.





More~

http://www.buzzfeed.com/ofa/12-actual-pre-existing-conditions-from-before-the-dbl0

[Cha]

1. Brilliant way to explain it.. nice and easy with some humor thrown in, she!

Great job from the OFA Community Member!

Mahalo for posting, sheshe! Love Obama's "Oh Yeah!"

[sheshe2]

8. "Oh Yeah"~

Me too, Cha!

[freshwest]

2. Oh, yeah!

[sheshe2]

3. Toenail Fungus...eeeew!

freshwest~

Thanks~

[AlbertCat]

4. Being a single man and having some dough....

.... means the ACA doesn't affect my premiums too much (or at all)...

But it does mean the "no more preexisting conditions" thingie does affect my coverage! Oh yeah....

And something I never hear mentioned...but I seem to remember:

The Insurance Co. MUST spend a certain % of my money on ME!!!! Isn't that also an ACA beneficial change?

Or did I dream that?

[lumberjack_jeff]

5. Yes, medical loss ratio is mandated to be no less than 80%. n/t

[Voice for Peace]

6. oh yeah.. sexiest president EVER

[Whisp]

7. Excellent presentation, sheshe...

[grilled onions]

9. Just A Few I Discovered

Overweight...underweight...alcoholic...arthritis(gee there are only 100 kinds--how could you not have at least one form of it)...history of heart or cancer in your family...psoriasis. It seems they must have studied a medical journal of conditions and tried to get as many on the form as possible.

[ThoughtCriminal]

10. Any condition could be considered pre-existing

When they could, insurance companies would deny claims on the basis that they were pre-existing, even in when there was no medical basis for such a judgement. Been there, fought that.

[bettyellen]

11. I had an asthma attack out of no where (there were some really filthy air ducts at work) and they

denied my claim because I had a script for Claritin 3-4 years earlier. They were also denying coverage for everyone's free annual "wellness exam". Completely illegal, and our company's CFO thought this was just great.

[ThoughtCriminal]

12. I had a better CFO

This was pre-HIPAA, when they could do this even with group insurance. My CFO brought in a lawyer and threatened legal action. Once the insurance company realized that they were not just up against my shallow pockets, they paid the claim.

[bettyellen]

13. Our CFO applauded them for being fiscally responsible- and I reminded him they were screwing our own

employees, he really had no problem with it. He was happy that lots of people were dropping the insurance.