Pre-existing Conditions As A Way To Profit From Misery

September 19, 2009

Health Insurance companies have it their way because they have friends in the Republican Party where the current health insurance legislation and debate in Congress is stalled because of their lies and obstruction.

For Republican politicians, their work is clear, they do what insurance companies tell them to and in return they get money for their campaigns.

Health insurance companies make profit by collecting premiums and making sure they pay out as little as possible. They have done well these past few decades and the cornerstone of their business plan is to deny coverage either upfront or even better, after a health problem crops up and premiums have been paid. They do this by scrutinizing the claim and contract to find ways not to pay.

It’s great money for them, a person who paid premiums for many years can be denied coverage because of a pre-existing condition they didn’t remember to mention when they got the insurance or even knew about. You see, insurance companies are not very transparent with their lists. It’s a no-win situation for the sick.

To give you and example of some preexisting conditions:

Acne

Hemorrhoids

Bunions

Pregnancy

Being an “expectant father”

Mental health therapy or counseling

Intention to adopt

Having a medical condition and you did not go to the doctor for it

Taking medications such as Zyrtec, Lamisil

Chronic tonsillitis

Varicose veins

Obesity

Arthritis

Diabetes

Depression

Fibromyalgia

Cancer

Heart disease

Osteoarthritis,

Rotator cuff injuries

Bone spurs

Psoriasis

Abscess

High blood pressure

High cholesterol

Mild asthma 

Congenital conditions

Previous mental or physical abuse by another

These are some but not all pre-existing conditions used to deny coverage.

The inhumane way insurance companies treat people is a great argument for a national health care plan. A plan that demands competition between insurers, covers pre-existing conditions and where every citizen must participate.