Some insurers stop writing new coverage for kids

Some insurers stop writing new coverage for kids

rawstory.com

Some major health insurance companies will no longer issue certain types of policies for children, an unintended consequence of President Barack Obama's health care overhaul law, state officials said Friday.

Florida Insurance Commissioner Kevin McCarty said several big insurers in his state will stop issuing new policies that cover children individually. Oklahoma Insurance Commissioner Kim Holland said a couple of local insurers in her state are doing likewise.

(visit the link for the full news article)

I'm sorry, I thought this was supposed to be a comprehensive health care reform initiative. Obviously, this little tid-bit about children doesn't garner enough profits so the insurance industry will just go ahead and nix it. Maddening!

I wonder how much more is going to unravel as we get closer to the date when this legislation takes affect. It is more than obvious that this ObamaCare was written by the health-care lobby and the industry is the one who benefits, not the public. Unfortunately, we are going to see more and more of this kind of thing as the insurance industry milks this legislation for all it's worth.

--airspoon


rawstory.com
(visit the link for the full news article)

reply to post by airspoon


No matter what children should always have health insurance they are the future of this country if we take away any of their health care what will the future be left with?? weather the child be rich, middle class or dirt poor they should be able to have health care no matter what.

Guess am last of a kind here but when was young we didnt have insurance on children nor on most adults either.. Yet now you guys got it rammed down your throats whether you want it or not.. Its sad seeing how bad things have declined in all areas back there..

The reason that Blue Cross Blue Shield no longer write child only policies for individuals under the age of nineteen, is to allow them to deny children with Autism coverage. It is my understanding that Aetna will follow. Insurance companies will no longer allow a child continuation of coverage if the adult on the policy were to relinquish coverage, there is no grandfathering. The law does reform to allow for the inclusion of pre-x, all the insurance companies do is change their guidelines to avoid compliance.
The insurance companies cite the reason for increase in premiums is on account of mandates, this is simply not the case. Please remember that the Health Care Reform was written by the former Head of Well Point.
My recomendation to all those without coverage is to get a H.S.A. policy before its too late. you don't need to be a clairvoyant to know that premiums are going to skyrocket, pick something with a high deductible, keeping monthly costs down. Plans with co-pays will simply put you in the poorhouse, as healthy people don't go to the doctor, and if you were not, you would not qualify...

Well this isnt fair! whatss going to happen when tax time comes around next year april? You are going to be fined for not having health insurance! they can find out via your tax service, thas how they find out. so! i dont think its fair you can/will be fined for a so called professional buisness entangled in the required law, to not do their legal part

reply to post by airspoon


What difference does it make? The insurance companies deny claims routinely when you get hurt or sick even though you make the premium payments on time.

There is always a loophole in the policy so they don't have to pay.

reply to post by ziggy1706


It's my belief that the IRS will be put in charge of premium collections and administering of fines. Perhaps you could research for us and post? don't want to stray from OP

reply to post by whaaa


There are two kinds of insurance companies; those that underwite at the time of application, and those who underwrite at the time a claim is submitted.
The latter of the two kinds, simply take peoples money, lulling them into a false sense of security, not that the other offers anything warm and fuzzy

I sure do love me all that hopey changey! And this healthcare "Reform" has been awesome. Rates going through the roof. Coverage being eliminated. And all of the nice little prizes for Obama's and congress' cronies. Nice!

So... when are people gonna get off their arses, pick up their pitchforks and storm the castle?

well, considering that obamas plan isnt activated yet, wouldnt this be a form of descrimination? Seriously curious about this answer. cause it seems like it would be

reply to post by kozmo


RE: hopey, changey,

Well, the people hoped for change, change they got, simply wasn't the change they hoped for.

I think the pitchforks will manifest as soon as people stop sipping on Flourinated water, and actually remember the reason they grabbed the pitchfork to begin with

Originally posted by oubliette
well, considering that obamas plan isn't activated yet, wouldn't this be a form of discrimination? Seriously curious about this answer. cause it seems like it would be

The insurance industry has never had to abide by any kind of discrimination standards. For a single instance, just look at the price differences between boys and girls when it comes to auto insurance. Also, look at the difference in both health and life insurances for disabled/healthy. Discrimination doesn't really work in the insurance industry. The industry is designed to profit, profit, profit and unlike other industries that have at least some risk, the insurance industry has none as they eliminate that risk through law.

--airspoon

thanks for clearing that up in my head airspoon

How will this affect court ordered child support.

Many court force the father to supply health insurance for his child.

Now if he can not get a policy for just his child because the mother has children by a number of fathers.

Blue Cross Blue Shield no longer write child only policies for individuals under the age of nineteen.

Will the fathers now not be able to get health insurance for his child alone or how will they work this.

This is only the beginning of the mess this health care reform is going to cause. The really bad stuff will show up when they start fining people or even jailing people for not have coverage. This is not even the beginning of the beginning yet. Just wait. This may very well be the trigger to push this country over the edge.

reply to post by ANNED


I'm sure they will make the guys pay for the actuall medical treatments. Some of the more vicious mothers will then bring their children to the doctor for everything, just to "get" back at their children's fathers. Of course this isn't all mothers, but a lot are like that.

Whatever the case may be, rest assured that the court is going to do whatever is in the best interest of the mother, not the child or the father. That's how the court works from my own experience and the experience of those around me.

Sadly, the court is just a weapon for mothers to get back at the fathers of their children, even if it harms the children. Even women who have the best intentions and aren't looking to be vindictive, find the system to want to go that way. It's as if the court "gets off" on that kind of thing.

The US justice system is the biggest joke around, particularly that of the family court system. I can only assume that those who make up the system, have a personal agenda to fulfill. It's sad because the children lose out the most and it's all because of these monsters in our family courts.

--airspoon

So we allow kids to eat # and then we refuse to cover them when they get sick.

Brilliant.

reply to post by ANNED


Please remember, they will not consider coverage if the sole applicant is under the age of nineteen. A parent must be the applicant, or policy holder, only then can the child be considered (to be covered). The insurance card would have the parents name on it, and the child is "on the policy" All applicants will be subjected to the answering of medical questions, in order to determine eligibility, and if the child happened to have Autism, the insurance company could not decline the child, because this is the new rule
If the court mandated health insurance be given to a minor, the responsible party would either shop for coverage with a carrier that currently writes clild only - (cheaper). This certainly begins to eliminate your choice of insurers; or the responsible party would in essance have to be healthy enough in order to qualify themselves, and add the child if you preference was to go with say Blue Cross Blue Shield Of Florida. By causing a parent to be covered aswell, I feel is a great way for them to generate extra revenue