How the useless parasite insurance companies witll get around pre-existing conditions

[eridani]

If you've been expensively sick, have you ever been behind on your medical bills? You get denied because you have a bad credit record. But not for a pre-existing condition, nosirreebob!

[fasttense]

1. That "preexisting" clause is based upon insurance fraud.

It is against the law to lie to an insurance corporation (of course they can lie to you and all their customers without a problem). So when they find a middling condition you failed to report, they claim you committed fraud and therefore are entitled to NOTHING (not even the return of your premiums or "co-payments".)

Unless they change the fraud laws, I don't see how any new laws about preexisting conditions will work.

[ET Awful]

2. Not always. Many times they will refuse you a policy up front because of a pre-existing condition.

if you, for instance have cancer and lose your job and your COBRA runs out before you can find a new job, you could currently be denied coverage.

What you said is correct in some cases, not all.

[MercutioATC]

3. If the plan we get is anything like FEHBP, you CAN'T be denied...

...nor can you be charged a higher rate.

[eridani]

6. It isn't. With FEHBP, they assume you are employed

If you are applying as an individual, your credit record can be used against you.

[crazyjoe]

4. why wouldn't people just wait till they are sick to sign up

for insurance? this won't work, it's unsustainable.

[Le Taz Hot]

5. Life is a pre-existing condition. N/T