Let’s think about Pre-existing HEALTH conditions! Have you noticed lately many in the media and TV say or write: “pre-existing conditions”? I guess it is supposed to be silently understood that the word “health” is implied in that statement; making it less important to actually keep the word “health” whenever references are made to this subject. Let’s not leave it to individual interpretation if it is there or not; or if it is important to state it or not.
Like what has happened after the PPACA – Patient Protection and Affordable Care Act — the title/name of the program started to be more commonly known as the “ACA” — the change was to shorten it and make it easier to remember I suppose. It was also done to counter the fact that Republicans quite sarcastically called this 2010 law “Obamacare” — naming it after President Obama but with a negative stance about it; (which reminds me of a retina specialist I saw back in 2010 when I told him I had no health care insurance, and that I was waiting on the Ohio High Risk Pool to kick in for me to apply a few months later. At the time, the high risk pools were called “the bridge to 2014” when the Patient Protection and Affordable Care Act plans in the Marketplace Exchanges would be available for everyone (not only children); and the retina specialist said with a smirk “oh you mean Obamacare?” and the tone of his voice told me he thought it was laughable; and I just answered him “yes”.)
In reality “Obamacare” does not exist as it is not the official name of the Patient Protection and Affordable Care Act. I feel the words “Patient Protection” are also quite important to keep and repeat because we seem to have lost sight of their being a huge part of the reason the law was enacted. Protections that include from being denied health insurance altogether due to having pre-existing HEALTH conditions.
No one in Congress, nor the President or anyone in his administration, nor anyone sitting on the Supreme Court bench; nor their families, are having to go without health insurance due to having pre-existing health conditions. So, it is not fair or just that any American citizen should have to be without health insurance due to having pre-existing health conditions in our 21st Century America. I have the rejection letters from 2010 from four different health insurance companies to prove that it did happen before the Patient Protection and Affordable Care became law.
Furthermore, a person didn’t need to have a major life-threatening illness to be rejected for health insurance coverage either. So, why are we shortening “pre-existing health conditions” to only “pre-existing conditions”? Is it like we shortened the PPACA to ACA to make it easier to remember? Or perhaps to take the main focus off of the meaning of the word “health“? Only saying or writing “Pre-Existing Conditions”, unintentionally or otherwise, leaves out the important word “HEALTH“!
Health conditions that exist when a person tries to enroll in health insurance plans are what these insurance companies haven’t forgotten about, and certainly won’t if they are once again allowed to reject people for obtaining any health insurance coverage or charge them ridiculously high monthly premiums in order to cover those pre-existing health conditions. The answers to the questions on the insurer’s enrollment forms are meant to reveal a full range of health conditions and they do. The health insurance companies take note of them, tally them up, and deem the potential enrollee either acceptable for enrollment; or brand the person as being uninsurable and the rejection letter is generated and sent out. If a potential enrollee tries to conceal having pre-existing health conditions on their enrollment form, they will be found out and prosecuted for committing fraud. Disclosure is on the last page of the normally 8 to 12 page enrollment form before the potential enrollee’s signature line.
We are not “making America great again” whatsoever by allowing health insurance companies to go back to the days when having pre-existing health conditions were used as a reason to reject potential enrollees from access to having health insurance and branded them being “uninsurable”. Now, isn’t that an undeniably deplorable practice on the part of health insurance companies?~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
Sharing a link published online on November 5, 2018 to an abbreviated version of my post here that appears on Cleveland.com.