DeMint Opposes Gov’t Mandate for Pre-Existing Conditions Coverage

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[SIZE=+1]DeMint Opposes Gov't Mandate for Pre-Existing Conditions Coverage in Health Care[/SIZE]

In an interview with CNSNews.com on Monday at the "November Speaks" rally on Capitol Hill, sponsored by the conservative group Americans For Prosperity, DeMint said that forcing insurance companies to cover people with pre-existing conditions is not necessary.
"We don't need to do that," said DeMint. "We have examples of what they call high-risk pools at the state level that create an option for people with pre-existing conditions. A few states are doing that really well. What we need to do is multiply that over all the states."
Apart from causing premiums to rise for all Americans to cover people with pre-existing conditions, as the Democrats' legislation is already causing, DeMint said he would not go along with a plan to force insurers to cover those who were already sick, because similar mandates have been enacted in other nations, and they have failed.

"What we found in other countries is, once you do that, people don't buy insurance until they're sick," said DeMint. "So that's not something I'd support."
In the "Pledge to America," a set of promises to the American people laid down in writing prior to the November election, the House Republican leadership wrote that it would "ensure that those with pre-existing conditions gain access to the coverage they need."
This pledge was made despite a repeated promise that congressional Republicans would repeal the Democrats' health care bill in its entirety, including the pre-existing conditions mandate, as soon as repeal was possible.
It is unclear whether DeMint, who has often found himself at odds with the GOP Senate leadership, is on the same page as his Senate and House colleagues when it comes to assuring that individuals with pre-existing conditions can get access to health insurance.
DeMint addressed a crowd largely made up of Tea Party members, calling for congressional Democrats to refrain from pushing through a liberal agenda during the lame duck session of Congress.
DeMint was joined by Rep. Michelle Bachman (R-Minn.), Rep. Mike Pence (R-Ind.) and several newly elected Republican congressmen who will take their seats after Jan. 3, 2011.
"The only reason I'm here today – and a lot of you thanked me on the way in – is to thank you," DeMint told the crowd. "What you've done is given us, me, Mike Pence, Michelle, others, the power to change things. Because the only power we have here in Washington is the power of ideas and the millions of people who are standing behind us." American Seniors Insurance

DeMint Opposes Gov
 
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Re: DeMint Opposes Gov't Mandate for Pre-Existing Conditions Cove

DeMint is an ***. If he doesn't have someone shut him up, control could easily shift back to the Dems as they use him as their punching bag.
 
Re: DeMint Opposes Gov't Mandate for Pre-Existing Conditions Cove

He is right about the state pools the only thing he should add though is we should subsidize those federal pools to make it more affordable. This way everybody can get coverage and rates wouldn't be as high.
 
Re: DeMint Opposes Gov't Mandate for Pre-Existing Conditions Cove

we should subsidize those federal pools to make it more affordable.

Uh, those federal pools (PCIP) are already subsidized by the Chinese. You expect us to chip in as well?
 
Re: DeMint Opposes Gov't Mandate for Pre-Existing Conditions Cove

The weakest link in all this is the INDIVIDUAL MANDATE. Once the people begin to seriously rally against the I.M. in large enough numbers, the entire legislation unravels, IMO.

I try to educate everyone I meet on the multiple negatives associated with this mandate. It's gotta go!
-ac
 
Re: DeMint Opposes Gov't Mandate for Pre-Existing Conditions Cove

We need 2 types of health insurance:

1. low premium/ high commission stuff for the healthy people

2. high premium stuff (risk pools) for the dumbasses who refuse to buy coverage when they're healthy.

as far as I'm concerned, screw 'em - people get what they have coming when they don't buy coverage while they're healthy.

J Demint
 
Re: DeMint Opposes Gov't Mandate for Pre-Existing Conditions Cove

Why is it so hard to understand? Most people realize that you can't stop the bus at the local State Farm office, go in, tell the agent I just wrecked my car. Can I buy full coverage now? Sorry, just never been very responsible about those kind of things.
 
Re: DeMint Opposes Gov't Mandate for Pre-Existing Conditions Cove

The example I use is this. The guy in the casket at the front of the church probably needs life insurance but it is too late for him to get it.

Same with health insurance.

Call me before you get pregnant (or cancer, heart attack, lupus . . .), not after.
 
Re: DeMint Opposes Gov't Mandate for Pre-Existing Conditions Cove

I would temper some of the comments above by saying that many other lines of insurance, especially P&C, don't come with an employer-sponsored wrapper.

Certainly there are people who have been uninsured and want to buy health insurance when they get sick. Yes, they are "dumbasses". But in a market that represents less than 7% of the total health insurance market, this is the exception and not the norm.

But very many people suffer from the lack of portability of group coverage at a time when they may most need health coverage. As Pelosi said (and she was right), we have a health insurance system that is employer-based. Most people get their insurance from their job.

If someone has gone uninsured for 10 years, gets cancer and now wants coverage (or pregnant or whatever), then yes that person could be deemed a "dumbass". But, many more people get caught in the trap of getting sick and going on COBRA then running out of that. Yes, there is HIPAA for them (or risk pool) so there is a safety net although the premiums are very high.

Buying coverage while they are healthy is really not an option for most people anyway. They have it through their job and all carriers in CA except Blue Shield require them to surrender their individual plan if they get "other" coverage. I am sure many in other states impose the same rules. Asking middle class people to pay premiums on two non-coordinated health plans at the same time is asking too much IMHO.

Unless and until we move away from employer-sponsored group coverage plans with zero portability, the reality is that 1 out of 10 with illnesses will be the "dumbass" but the other 9 will just have been screwed by the employer-sponsored system.

HIPAA is not for dumbasses, it's for people who got screwed by the current employer-based system. You work until you get sick, then you can't work so you go on COBRA, then you run out of that but you're sick so you have to go to a risk pool program and/or HIPAA. GI programs benefit a few of the "dumbasses" but many more of those who got shafted by the employer-based system.
 
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Re: DeMint Opposes Gov't Mandate for Pre-Existing Conditions Cove

I agree the employer based plans have created a mindset, an entitlement mindset if you wish, but there are other issues as well.

Too many won't buy health insurance even when they can afford it and can qualify for it. They will insure their home, their car and sometimes their life and income but a surprising number simply abdicate their roll when it comes to health insurance.

And a lot of those who buy health insurance feel they need to get something for their money. If they don't use their plan a few times a year, forcing the insurance company to pay something, they don't feel like they have "real" insurance.

Most of my clients have HSA's or other high deductible plans and most "get it". They only pay for coverage they really need.

But sometimes I get people who complain about a renewal and want to know why their premium went up when they didn't use the plan. I have had a few, not many, that actually went back to copay plans, and a higher premium, just so they could feel like they were getting their money's worth.

Talk about dumbass . . .
 
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