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(The New York Times)   Donate a kidney to someone in need? Well that makes you a fine human being, a great humanitarian and forever after ineligible to get a health insurance policy on the grounds you have "chronic kidney disease"   (well.blogs.nytimes.com ) divider line
    More: Scary, chronic kidney disease  
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9530 clicks; posted to Main » on 15 Jun 2012 at 2:57 PM (4 years ago)   |   Favorite    |   share:  Share on Twitter share via Email Share on Facebook   more»



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2012-06-15 11:46:22 AM  
Life lesson: Don't let your insurance lapse.
Buy a cheap major-med policy if you're ever between jorbs, and you won't have this problem.
(HIPAA 1996)
 
2012-06-15 11:52:20 AM  

adiabat: Life lesson: Don't let your insurance lapse.
Buy a cheap major-med policy if you're ever between jorbs, and you won't have this problem.
(HIPAA 1996)


Thank you Mitt, now back here in the real world, when Jobs end, and unemployment is paying about 25% of what you used to make, dropping 3-400/mo on a "cheap maj med policy" isn;t much of an option for most people
 
2012-06-15 11:55:52 AM  

adiabat: Buy a cheap major-med policy if you're ever between jorbs, and you won't have this problem.


Thanks to Obamacare, you can now get these even when you have a "pre-existing condition"
 
2012-06-15 11:57:27 AM  
As a bright person already pointed out, ACA does away with this abusive practice. Thank you, Obamacare
 
2012-06-15 12:05:15 PM  
so vote republican?
 
2012-06-15 12:08:15 PM  
But god forbid someone come between a patient and what a doctor says they need.
 
2012-06-15 12:09:51 PM  
Life lesson: I got mine
 
2012-06-15 12:10:36 PM  
Romneyed in the boobies

/what utter detached, unrealistic bullsjiat
 
2012-06-15 12:22:33 PM  

cameroncrazy1984: adiabat: Buy a cheap major-med policy if you're ever between jorbs, and you won't have this problem.

Thanks to Obamacare, you can now get these even when you have a "pre-existing condition"


But only if you've been without coverage for at least six months. And they are still very expensive, but better than nothing.
 
2012-06-15 12:28:33 PM  

adiabat: Life lesson: Don't let your insurance lapse.
Buy a cheap major-med policy if you're ever between jorbs, and you won't have this problem.
(HIPAA 1996)


And what if no one will sell you a policy? There is effectively only one insurer in my state (BCBS) and they won't sell me a policy because I have asthma. They won't sell my wife a policy because she's "child-bearing age." Seriously, that was her pre-existing condition they listed on the rejection letter.

Luckily Obama's health plan provides an opportunity for people with pre-existing conditions, but it's still terribly expensive.
 
vpb [TotalFark]
2012-06-15 12:34:22 PM  

adiabat: Life lesson: Don't let your insurance lapse.
Buy a cheap major-med policy if you're ever between jorbs, and you won't have this problem.
(HIPAA 1996)


Of course, if you get sick, you will be stuck with that "cheap" policy until the law preventing denial of coverage for pre-existing conditions goes into effect, if ever.
 
2012-06-15 12:36:24 PM  

Abzzstain: But only if you've been without coverage for at least six months. And they are still very expensive, but better than nothing.


?? It was half the price I was paying for a super high deductible MSA with numerous exclusions so it's probably worth checking at pcip.gov . YMMV
 
2012-06-15 12:42:59 PM  
Two words: Single Payer.
 
2012-06-15 12:47:01 PM  

Abzzstain: adiabat: Life lesson: Don't let your insurance lapse.
Buy a cheap major-med policy if you're ever between jorbs, and you won't have this problem.
(HIPAA 1996)

And what if no one will sell you a policy? There is effectively only one insurer in my state (BCBS) and they won't sell me a policy because I have asthma. They won't sell my wife a policy because she's "child-bearing age." Seriously, that was her pre-existing condition they listed on the rejection letter.

Luckily Obama's health plan provides an opportunity for people with pre-existing conditions, but it's still terribly expensive.


Go see a good lawyer about that one, that sounds RIPE to become a sexual discrimination class action lawsuit
 
vpb [TotalFark]
2012-06-15 01:08:28 PM  

Magorn: Abzzstain: adiabat: Life lesson: Don't let your insurance lapse.
Buy a cheap major-med policy if you're ever between jorbs, and you won't have this problem.
(HIPAA 1996)

And what if no one will sell you a policy? There is effectively only one insurer in my state (BCBS) and they won't sell me a policy because I have asthma. They won't sell my wife a policy because she's "child-bearing age." Seriously, that was her pre-existing condition they listed on the rejection letter.

Luckily Obama's health plan provides an opportunity for people with pre-existing conditions, but it's still terribly expensive.

Go see a good lawyer about that one, that sounds RIPE to become a sexual discrimination class action lawsuit


Yeah, good luck with that.
 
2012-06-15 01:36:43 PM  

Abzzstain: adiabat: Life lesson: Don't let your insurance lapse.
Buy a cheap major-med policy if you're ever between jorbs, and you won't have this problem.
(HIPAA 1996)

And what if no one will sell you a policy? There is effectively only one insurer in my state (BCBS) and they won't sell me a policy because I have asthma. They won't sell my wife a policy because she's "child-bearing age." Seriously, that was her pre-existing condition they listed on the rejection letter.

Luckily Obama's health plan provides an opportunity for people with pre-existing conditions, but it's still terribly expensive.


Just like any other high risk insurance policy.
 
2012-06-15 02:59:19 PM  
America is all about no second chances.
 
2012-06-15 03:01:31 PM  
So insurance companies are supposed to lose money as long as the person is really, really nice?

Look, if you donate an organ you are going to have major health issues later. It's amazingly cool to do, but business is business. He can certainly get insurance, but it ain't gonna be the same price as the rest of us selfish MF's pay.
 
2012-06-15 03:01:31 PM  
America has the best health care in the world, but only if you can afford it.
 
2012-06-15 03:02:09 PM  
Health Insurance companies are the One True Cancer.
 
2012-06-15 03:02:45 PM  
So no kidney punches from now on?
 
2012-06-15 03:05:08 PM  

Magorn: adiabat: Life lesson: Don't let your insurance lapse.
Buy a cheap major-med policy if you're ever between jorbs, and you won't have this problem.
(HIPAA 1996)

Thank you Mitt, now back here in the real world, when Jobs end, and unemployment is paying about 25% of what you used to make, dropping 3-400/mo on a "cheap maj med policy" isn;t much of an option for most people


And what will those folks do when they are forced to buy insurance? How will they afford it then?
 
2012-06-15 03:06:01 PM  
no good deed goes unpunished.
 
2012-06-15 03:06:17 PM  

FarkinHostile: So insurance companies are supposed to lose money as long as the person is really, really nice?

Look, if you donate an organ you are going to have major health issues later. It's amazingly cool to do, but business is business. He can certainly get insurance, but it ain't gonna be the same price as the rest of us selfish MF's pay.


Insurance companies exist to make a profit, not care for people. Welcome to the land of retards.
 
2012-06-15 03:06:51 PM  
Pardon me a moment, I'm just going to go thank my lucky stars that I live in Canada, land of socialized health care, and not some Darwinist madhouse where an act of Christian charity will send you tumbling into penury and ruin while your fellow countrymen cheer your downfall with lusty cries of I GOT MINE.
 
2012-06-15 03:12:16 PM  

504_King_streetcar: Pardon me a moment, I'm just going to go thank my lucky stars that I live in Canada, land of socialized health care, and not some Darwinist madhouse where an act of Christian charity will send you tumbling into penury and ruin while your fellow countrymen cheer your downfall with lusty cries of I GOT MINE.


Can I apply for political asylum on the grounds that the government is trying to kill me financially because I can't afford health insurance? ;)


/one major health issue away from bankruptcy
//thankfully, at least, the kids have Medicaid
 
2012-06-15 03:13:08 PM  
The guy is 53 and a retired teacher. Fark him. Tell him to go back to work until he hits the normal retirement age and is covered by Medicare.
 
2012-06-15 03:13:31 PM  
Sounds logical. Don't know if it's medically accurate, but it makes sense.
 
2012-06-15 03:14:16 PM  
This is what happens in Romney's America!

Way to go, FartMoney!
 
2012-06-15 03:16:33 PM  

504_King_streetcar: Pardon me a moment, I'm just going to go thank my lucky stars that I live in Canada, land of socialized health care, and not some Darwinist madhouse where an act of Christian charity will send you tumbling into penury and ruin while your fellow countrymen cheer your downfall with lusty cries of I GOT MINE.


You are aware of who you folks allowed to become your Prime Minister, right? You'll be joining us soon enough..
 
2012-06-15 03:16:56 PM  
Thanks Republicans!
 
2012-06-15 03:16:57 PM  

yo-de-yo-yo: So no kidney punches from now on?


Only on one side.
 
2012-06-15 03:17:01 PM  

hitlersbrain: FarkinHostile: So insurance companies are supposed to lose money as long as the person is really, really nice?

Look, if you donate an organ you are going to have major health issues later. It's amazingly cool to do, but business is business. He can certainly get insurance, but it ain't gonna be the same price as the rest of us selfish MF's pay.

Insurance companies exist to make a profit, not care for people. Welcome to the land of retards.


Ask someone who can read at a 3rd grade level why you're retarded.
 
2012-06-15 03:17:22 PM  

BunkyBrewman: Abzzstain: adiabat: Life lesson: Don't let your insurance lapse.
Buy a cheap major-med policy if you're ever between jorbs, and you won't have this problem.
(HIPAA 1996)

And what if no one will sell you a policy? There is effectively only one insurer in my state (BCBS) and they won't sell me a policy because I have asthma. They won't sell my wife a policy because she's "child-bearing age." Seriously, that was her pre-existing condition they listed on the rejection letter.

Luckily Obama's health plan provides an opportunity for people with pre-existing conditions, but it's still terribly expensive.

Just like any other high risk insurance policy.


And it's running over estimated per capita costs by more than double because sick people know better than anyone when health insurance is a good deal.
 
Ant
2012-06-15 03:18:02 PM  

Marcus Aurelius: Two words: Single Payer.


That. We're already paying way more than that would cost.
 
2012-06-15 03:18:23 PM  
Insurance company's exist to make a profit. They do that, to be blunt, by denying claims when possible. Socialize your health care or STFU.
 
2012-06-15 03:18:30 PM  
Blue Cross Blue Shield? Oh, they're a bunch of sweeties.

They cancelled my insurance the day after I was diagnosed with Stage 3 kidney disease.

/ This was after I've paid them something like $300k in premiums (best guestimate) over the last 30 years.
 
Ant
2012-06-15 03:19:24 PM  

King Something: America has the best health care in the world, but only if you can afford it.


It's a beautiful world...

...for you
 
2012-06-15 03:20:32 PM  

zetar: Blue Cross Blue Shield? Oh, they're a bunch of sweeties.

They cancelled my insurance the day after I was diagnosed with Stage 3 kidney disease.

/ This was after I've paid them something like $300k in premiums (best guestimate) over the last 30 years.


My sister's insurance tried to cancel her the night she got shot through the neck, because she had a billing dispute (that was resolved) 3 months prior.
 
2012-06-15 03:22:06 PM  

hitlersbrain: FarkinHostile: So insurance companies are supposed to lose money as long as the person is really, really nice?

Look, if you donate an organ you are going to have major health issues later. It's amazingly cool to do, but business is business. He can certainly get insurance, but it ain't gonna be the same price as the rest of us selfish MF's pay.

Insurance companies exist to make a profit, not care for people. Welcome to the land of retards.


Then perhaps they should not be involved in a good that everyone, at some point, is going to need, since they may very well be forced to resort to borderline fraud to actually make a profit?
 
2012-06-15 03:22:50 PM  

jack21221: My sister's insurance tried to cancel her the night she got shot through the neck, because she had a billing dispute (that was resolved) 3 months prior.


I still don't understand how crap like that isn't considered fraud.
 
2012-06-15 03:22:56 PM  

Felgraf: hitlersbrain: FarkinHostile: So insurance companies are supposed to lose money as long as the person is really, really nice?

Look, if you donate an organ you are going to have major health issues later. It's amazingly cool to do, but business is business. He can certainly get insurance, but it ain't gonna be the same price as the rest of us selfish MF's pay.

Insurance companies exist to make a profit, not care for people. Welcome to the land of retards.

Then perhaps they should not be involved in a good that everyone, at some point, is going to need, since they may very well be forced to resort to borderline fraud to actually make a profit?


Why do you hate America?
 
2012-06-15 03:24:07 PM  

zetar: Blue Cross Blue Shield? Oh, they're a bunch of sweeties.

They cancelled my insurance the day after I was diagnosed with Stage 3 kidney disease.

/ This was after I've paid them something like $300k in premiums (best guestimate) over the last 30 years.


Wow, and people wonder why we have stories like that one dude who flew his plane into that IRS building a couple years ago. I'd go batshiat insane if someone burned me that bad.
 
2012-06-15 03:24:43 PM  

Ant: Marcus Aurelius: Two words: Single Payer.

That. We're already paying way more than that would cost.


I feel compelled to reply with this, from over in the politics tab:

Gaseous Anomaly: Drugs have a lot of low-hanging cost fruit. The amount the US (public and private) pays for drugs each year is more than twice the pharma industry's R&D budget PLUS the amount countries like Canada and the UK pay for drugs each year. Therefore, if we publicly funded pharma R&D at current levels, and literally gave away the drugs to the world, we'd still come out ahead.

 
2012-06-15 03:25:07 PM  

zetar: Blue Cross Blue Shield? Oh, they're a bunch of sweeties.

They cancelled my insurance the day after I was diagnosed with Stage 3 kidney disease.

/ This was after I've paid them something like $300k in premiums (best guestimate) over the last 30 years.


What was their reason?
 
2012-06-15 03:25:22 PM  

cameroncrazy1984: adiabat: Buy a cheap major-med policy if you're ever between jorbs, and you won't have this problem.

Thanks to Obamacare, you can now get these even when you have a "pre-existing condition"


Not yet.

Reform delayed for 4 years - effective January 1, 2014

Individual and group health insurance plans
Pre-existing condition exclusions prohibited in all health insurance plans
 
2012-06-15 03:27:36 PM  
So, if you are a rich asshole, you wouldn't donate a kidney to anyone and thus this is not a problem to you.
 
2012-06-15 03:27:43 PM  

jack21221: zetar: Blue Cross Blue Shield? Oh, they're a bunch of sweeties.

They cancelled my insurance the day after I was diagnosed with Stage 3 kidney disease.

/ This was after I've paid them something like $300k in premiums (best guestimate) over the last 30 years.

My sister's insurance tried to cancel her the night she got shot through the neck, because she had a billing dispute (that was resolved) 3 months prior.


And that's nothing that couldn't be solved by eliminating their taxes and regulating them less. Duh.
 
2012-06-15 03:29:13 PM  
Good to see that private health insurance is working out so well for yet another American.

/Canada
//Snicker
///You guys are suckers
 
2012-06-15 03:30:05 PM  

Felgraf: hitlersbrain: FarkinHostile: So insurance companies are supposed to lose money as long as the person is really, really nice?

Look, if you donate an organ you are going to have major health issues later. It's amazingly cool to do, but business is business. He can certainly get insurance, but it ain't gonna be the same price as the rest of us selfish MF's pay.

Insurance companies exist to make a profit, not care for people. Welcome to the land of retards.

Then perhaps they should not be involved in a good that everyone, at some point, is going to need, since they may very well be forced to resort to borderline fraud to actually make a profit?


How is it fraud? They looked at the numbers and decided "we'll spend more on you than we will make, so no, you can't haz insurance". Nothing is stopping him from paying the doctor himself. Giving the kidney was nice, but did he also give up half of his brain? How could he not have researched this ahead of time? Now, if he did, and they said "cool",. but now they are saying "not cool", then that is different.
 
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