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The Existing Lies About Pre-Existing Conditions

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“Pre-existing conditions”…the big phrase of discussion all over the news, by left and right, in regards to the health bill just passed by the House and now on its way to the Senate!  And it’s all one big lie and fabrication by liberals, those who shoved Obamacare down our throats in a midnight vote years ago after ‘not reading’ what was in the bill themselves!

What’s sad about it all is that Republicans in Congress have either bought into the lie or are afraid not to address the issue/lie fearing voter backlash…just as they always do.  So now we have an $8 billion amendment to the bill covering these nonexistent people with pre-existing conditions.  Huh?

Republicans are not truly repealing Obamacare as they promised, they are massaging it a bit.  As many Americans have shown their disgust with this ‘non-repeal’, so have many in Congress!  Their disgust, as is mine?  Get the federal government out of the health care business and let states do what they want…period!  It is not the federal government’s mandate, nor is the federal government capable of doing it effectively and efficiently, just like everything else it gets its hands into unconstitutionally!

Come on Don!

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One of ObamaCare’s central premises was covering pre-existing conditions, but the crisis was greatly exaggerated.

Say “pre-existing condition” lately and leftists will launch into their predetermined narrative that conservatives want to throw sick Americans to the curb. Sadly, too many Americans are predisposed to believe unfounded rhetoric, so they prejudge the issue and end up with a preponderance of baseless opinions.

In the interest of truth (not to mention as a service to the sanity of anyone who has to answer accusations of wishing uninsured purgatory on infirm people), here is the reality.

While the guarantee of coverage for those with pre-existing conditions was central to ObamaCare’s promises, Obama and his allies duped Americans by greatly exaggerating the “crisis” — an oft-used tactic of the Left. As Forbes writer Avik Roy explains, before ObamaCare (ah, remember those days?), 90% of Americans with health insurance were already enrolled in plans that required coverage regardless of pre-existing conditions. These included employer-based plans and government plans like Medicare, Medicaid and the VA. The rest — those buying insurance on the individual market — could technically be denied coverage because of pre-existing conditions.

However, only a fraction of these individual market customers actually were denied coverage because of a pre-existing condition. “We know this,” Roy writes, “because of an Obamacare program called the Pre-Existing Condition Insurance Plan, or PCIP. PCIP was designed … as a bridge until Obamacare’s insurance regulations took effect. … Americans could sign up for heavily subsidized coverage under PCIP if they had documented proof that they had been denied coverage by an insurance company and had a pre-existing condition. … Enrollment in PCIP peaked in February 2013 at 114,959.”

In short, claims that without ObamaCare over 120 million could be denied insurance because of pre-existing conditions were flat-out lies. It wasn’t even 120 thousand. But this is Obamacare we’re talking about, so lies were par for the course.

Still, even these 115,000 wouldn’t be forgotten in the GOP House bill. Here’s why:

Assertions that the health care bill being debated in the House would allow states to get a waiver from ObamaCare’s pre-existing coverage mandate — and as a result let insurance companies send sick customers out to sea with no lifeboat — are (not surprisingly) hyperbolic. More accurately, as Ramesh Ponnuru explains, the proposed waiver would let states avoid ObamaCare’s regulations on pre-existing conditions “only for people who do not maintain insurance coverage.” In other words, those with pre-existing conditions who have coverage under ObamaCare or elsewhere would be protected from being denied coverage.

Additionally, the House bill makes maintaining coverage easier through tax credits for those purchasing insurance on the individual market. (While ObamaCare offered tax credits based on income, the House bill bases the credits on age.)

That’s not all. As the Wall Street Journal notes, “States can only receive a waiver if they avail themselves of the bill’s $100 billion fund to set up high-risk pools. These state-based programs, which were run in 35 states until they were pre-empted by ObamaCare, subsidize coverage for older and sicker patients. This helps these individuals and keeps coverage cheaper for everyone else.”

In other words, in states that get a waiver, if individuals with pre-existing conditions for some reason did not maintain continuous coverage under Obamacare or do not use tax credits to purchase insurance on the individual market, they would still have access to high-risk pools.

This is hardly tossing sick Americans to the curb.

Still, so emotionally rich and fact-depleted is the debate over pre-existing conditions that moderate Republicans threatened to reject the House bill over the issue. One of those moderates, Fred Upton of Michigan, proposed an amendment as a bargaining tool for his support — and that of other moderates. His plan would give $8 billion over five years to help individuals with pre-existing conditions pay insurance premiums. It’s window dressing that could end up increasing prices, but at least the moderates “care.”

Without a doubt, rhetoric, not realty, is driving this proposed funding boost — particularly given the protections already offered those with pre-existing conditions. Unfortunately, as we’ve seen all too often, facts are simply nuisances to those who would rather tax, spend and regulate based on lies than create the free-market environment proven throughout history to benefit more people the world over than any other government system.

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Boss

5 Comments

  1. Old Jim May 5, 2017 at 8:59 am -  Reply

    Arguing TRUTH does nothing when Sheeple Commie Zombies refuse to listen!!

    Pre-existing Conditions… Medicicare / Mediciad / (s)CHIP / Employer Sponsored Group Plans… ( 60 + 50 + 120 )… 230 million HAVE NO SUCH THANG!

    ONLY the Individual Health Plans might impact such…
    … AND EVERY SINGLE STATE has an endorsement to eliminate IF they choose!

    COBRA ’85 and HIPPA ’96 addressed this… providing immunity from such for portability between plans.

    HealthCare policies are Guaranteed Renewable / Non-Cancellable to prevent this!
    … AND Convertible coming off the group stuff!!

    IF you are really b-a-a-d-d-d off… you move to SS-Diability or SSI-Disability… and yours is free!

    WHEN BARAMAcare offered a ‘bridge’ … just 125,000 decided to use!!

    Destitute… EVERY “state” has a budget item to handle such charity!

    ACCESS?? EVERY person walking into ANY Hospital ER is mandated by Federal Law to provide emergency / lifesaving care despite lack of even an ID, let alone insurance!!

    You want a free trip to your podiatrist?? GET A DAMN JOB!!

  2. Angus Rangus May 5, 2017 at 9:09 am -  Reply

    Will Ted Cruz / Rand Paul / et al stand behind the 2016 GOP Party Platform …
    … to REPEAL EVERY WORD??

    WHAT happened to the illusion our Federal GOVT has no authority to regulate HealthCare … or Health Insurance… or Septic Tank Cleanouts… or BarberShops??

    WHAT was our angst over Chief Justice John Roberts creating his own special law … claiming the Fed can do any thang it wants with its power to tax??

    AND… IF you take out the 20 some BARAMAcare ‘taxes levied’…
    … aren’t we back to SCOTUS ruling the Feds can’t ‘nationalize’ this one -sixth of the US Economy??

    WHY would anyone with a brain set aside $8 BN for the specific ID of just 125,000 people that might be impacted? Over $60,000 a year … HOW much did that Actuary charge which House Staffer to estimate this??

    I’m guessing Ted and Rand … will “find salvation” in some silly frilly fringe Amendment … to install the Single Payor HealthCare within a decade…
    … to prevent Kaleefornya from doing with real-time taxpayer moola!!

  3. Angus Rangus May 5, 2017 at 9:13 am -  Reply

    2016 GOP Party Platform… they all signed on to get us to elect “THEM”::

    “”Restoring Patient Control and Preserving Quality in Healthcare

    Any honest agenda for improving healthcare must start with repeal of the dishonestly named Affordable Care Act of 2010: Obamacare. It weighs like the dead hand of the past upon American medicine. It imposed a Euro-style bureaucracy to manage its unworkable, budget-busting, conflicting provisions. It has driven up prices for all consumers. Their insurance premiums have dramatically increased while their deductibles have risen about eight times faster than wages in the last ten years. It drove up drug prices by levying a $27 billion tax on manufacturers and importers and, through mandated price cuts for drugs under Medicare and Medicaid, forced pharmaceutical companies to raise prices for everyone else. Its “silver plans,” the most common option on the government insurance exchanges, limit people’s access to their own doctor through narrow networks and restrict drug coverage, forcing many patients to pay for extremely costly medicines for their chronic diseases.

    We agree with the four dissenting judges of the Supreme Court: “In our view, the entire Act before us is invalid in its entirety.” It must be removed and replaced with an approach based on genuine competition, patient choice, excellent care, wellness, and timely access to treatment. To that end, a Republican president, on the first day in office, will use legitimate waiver authority under the law to halt its advance and then, with the unanimous support of Congressional Republicans, will sign its repeal. The Supreme Court upheld Obamacare based on Congress’ power to tax. It is time to repeal Obamacare and give America a much-needed tax cut.

    In its place we must combine what worked best in the past with changes needed for the future. We must recover the traditional patient-physician relationship based on mutual trust, informed consent, and confidentiality. To simplify the system for both patients and providers, we will reduce mandates and enable insurers and providers of care to increase healthcare options and contain costs. Our goal is to ensure that all Americans have improved access to affordable, high-quality healthcare, including those struggling with mental illness.

    We will return to the states their historic role of regulating local insurance markets, limit federal requirements on both private insurance and Medicaid, and call on state officials to reconsider the costly medical mandates, imposed under their own laws, that price millions of low-income families out of the insurance market. To guarantee first-rate care for the needy, we propose to block grant Medicaid and other payments and to assist all patients, including those with pre-existing conditions, to obtain coverage in a robust consumer market. Through Obamacare, the current Administration has promoted the notion of abortion as healthcare. We, however, affirm the dignity of women by protecting the sanctity of human life. Numerous studies have shown that abortion endangers the health and well-being of women, and we stand firmly against it.

    To ensure vigorous competition in healthcare, and because cost-awareness is the best guard against over-utilization, we will promote price transparency so consumers can know the cost of treatments before they agree to them. We will empower individuals and small businesses to form purchasing pools in order to expand coverage to the uninsured. We believe that individuals with preexisting conditions who maintain continuous coverage should be protected from discrimination. We applaud the advance of technology in electronic medical records while affirming patient privacy and ownership of personal health information.

    Consumer choice is the most powerful factor in healthcare reform. Today’s highly mobile workforce needs portability of insurance coverage that can go with them from job to job. The need to maintain coverage should not dictate where families have to live and work. We propose to end tax discrimination against the individual purchase of insurance and allow consumers to buy insurance across state lines. In light of that, we propose repealing the 1945 McCarran-Ferguson Act which protects insurance companies from anti-trust litigation. We look to the growth of Health Savings Accounts and Health Reimbursement Accounts that empower patients and advance choice in healthcare.

    Our aging population must have access to safe and affordable care. Because most seniors desire to age at home, we will make homecare a priority in public policy and will implement programs to protect against elder abuse.

    Protecting Individual Conscience in Healthcare (Top)

    America’s healthcare professionals should not be forced to choose between following their faith and practicing their profession. We respect the rights of conscience of healthcare professionals, doctors, nurses, pharmacists, and organizations, especially the faith-based groups which provide a major portion of care for the nation and the needy. We support the ability of all organizations to provide, purchase, or enroll in healthcare coverage consistent with their religious, moral, or ethical convictions without discrimination or penalty. We support the right of parents to determine the proper medical treatment and therapy for their minor children. We support the right of parents to consent to medical treatment for their minor children and urge enactment of legislation that would require parental consent for their daughter to be transported across state lines for abortion. Providers should not be permitted to unilaterally withhold services because a patient’s life is deemed not worth living. American taxpayers should not be forced to fund abortion. As Democrats abandon this four decade-old bipartisan consensus, we call for codification of the Hyde Amendment and its application across the government, including Obamacare. We call for a permanent ban on federal funding and subsidies for abortion and healthcare plans that include abortion coverage. “”

  4. Old Jim May 5, 2017 at 9:31 am -  Reply

    SO-o-o-o… with SCOTUS Justice Neal Gorsuch on the bench…

    … will OUR suit to determine the validity of AHCA end in 5-4…

    … that our Federal GOVT has no such ‘authority’ within the Constitution to regulate HealthCare or Health Insurance…

    … and that is was not just ‘coincidence’ our “states” have exclusively regulated both for the past 300 years?? {yep, even as colonies… they did so!!}

    IF ‘precedent” were overarching… we’d still be “separate but equal”!!

  5. Angus Rangus May 6, 2017 at 8:53 am -  Reply

    Will SCOTUS be forced to examine that earlier ‘precedent’…

    … that our Federal GOVT backdoors HealthCare/Health Insurance…

    … under its power to TAX…

    … since AHCA eliminates all those TAXES??

    Kinda’ like “SEPARATE BUT EQUAL” ???

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