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Draconian vacation policies for US slave workers
Following up to mrtravel
how well does an insurance based system work if you are born sick? It works quite well in my experience. My first child was conceived before I had insurance, so the insurance didn't cover my wife's (ex-wife now) medical bills, but it covered the child's medical bills in the hospital. I was thinking of someone with an ongoing condition, private cover here tends to exclude known conditions when I've looked at it. -- Mike Reid. Shetland pics:- Puffin pics "http://www.fellwalk.co.uk/puffinpics.htm" Seabird shots "http://www.fellwalk.co.uk/shetlandbirds.htm" Lensed landscape "http://www.fellwalk.co.uk/skyepics.htm#shetland |
#2
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Draconian vacation policies for US slave workers
The Reid wrote:
Following up to mrtravel how well does an insurance based system work if you are born sick? It works quite well in my experience. My first child was conceived before I had insurance, so the insurance didn't cover my wife's (ex-wife now) medical bills, but it covered the child's medical bills in the hospital. I was thinking of someone with an ongoing condition, private cover here tends to exclude known conditions when I've looked at it. You said "born sick". If a policy covers children at birth, then "born sick" is covered. |
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Draconian vacation policies for US slave workers
On Wed, 05 Jul 2006 09:20:40 +0100, The Reid
wrote: Following up to mrtravel how well does an insurance based system work if you are born sick? It works quite well in my experience. My first child was conceived before I had insurance, so the insurance didn't cover my wife's (ex-wife now) medical bills, but it covered the child's medical bills in the hospital. I was thinking of someone with an ongoing condition, private cover here tends to exclude known conditions when I've looked at it. Very true in the US. My son is diabetic and takes daily insulin shots .He has his own business and he could not buy health insurance. |
#4
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Draconian vacation policies for US slave workers
John wrote:
On Wed, 05 Jul 2006 09:20:40 +0100, The Reid wrote: Following up to mrtravel how well does an insurance based system work if you are born sick? It works quite well in my experience. My first child was conceived before I had insurance, so the insurance didn't cover my wife's (ex-wife now) medical bills, but it covered the child's medical bills in the hospital. I was thinking of someone with an ongoing condition, private cover here tends to exclude known conditions when I've looked at it. Very true in the US. My son is diabetic and takes daily insulin shots .He has his own business and he could not buy health insurance. Well, that may be true, but he said "born sick", and all of my insurance coverage for dependents has always covered children at birth. |
#5
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Draconian vacation policies for US slave workers
Following up to mrtravel
I was thinking of someone with an ongoing condition, private cover here tends to exclude known conditions when I've looked at it. You said "born sick". If a policy covers children at birth, then "born sick" is covered. If a child has a faulty heart from birth, will it be able to buy cover at a normal reasonable price, including heart cover? What I read implied otherwise, it seemed to be like car insurance, if you had a bad driving record and a fast car, cover is very hard to find or very expensive. -- Mike Reid Walk-eat-photos UK "http://www.fellwalk.co.uk" -- you can email us@ this site Walk-eat-photos Spain "http://www.fell-walker.co.uk" -- dontuse@ all, it's a spamtrap |
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Draconian vacation policies for US slave workers
The Reid wrote:
Following up to mrtravel I was thinking of someone with an ongoing condition, private cover here tends to exclude known conditions when I've looked at it. You said "born sick". If a policy covers children at birth, then "born sick" is covered. If a child has a faulty heart from birth, will it be able to buy cover at a normal reasonable price, including heart cover? Isn't that what I said? Now, it would be difficult and/or more expensive if the child wasn't covered at birth, but I was referring to policies that cover dependents from birth. |
#7
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Draconian vacation policies for US slave workers
"John" wrote .... On Wed, 05 Jul 2006 09:20:40 +0100, The Reid wrote: Following up to mrtravel how well does an insurance based system work if you are born sick? It works quite well in my experience. My first child was conceived before I had insurance, so the insurance didn't cover my wife's (ex-wife now) medical bills, but it covered the child's medical bills in the hospital. I was thinking of someone with an ongoing condition, private cover here tends to exclude known conditions when I've looked at it. Very true in the US. My son is diabetic and takes daily insulin shots .He has his own business and he could not buy health insurance. Interestingly, were he employed by most large employers, his coverage would have been automatic, and federal law makes it difficult to fail to employ and individual because of a medical vcondition which does not render them unable to perform the job requirements. Additionally there are literally hundreds of health insurance plans which would have enrolled him. Many offer only partial coverage, leaving out coverage for his pre-existing condition, while others have enormously high premiums. Then there are literally dozens of HMOs which routinely accept diabetics, although there are limits of coverage depending upon the origin (childhood) and defgree of the condition. You are obviously not being quite frank with readers here, not "telling a whopper", but greatly shading the truth. It does your perspective and communicating it great disservice. TMO |
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Draconian vacation policies for US slave workers
On Thu, 06 Jul 2006 15:38:49 GMT, "TOliver"
wrote: "John" wrote .... On Wed, 05 Jul 2006 09:20:40 +0100, The Reid wrote: Following up to mrtravel how well does an insurance based system work if you are born sick? It works quite well in my experience. My first child was conceived before I had insurance, so the insurance didn't cover my wife's (ex-wife now) medical bills, but it covered the child's medical bills in the hospital. I was thinking of someone with an ongoing condition, private cover here tends to exclude known conditions when I've looked at it. Very true in the US. My son is diabetic and takes daily insulin shots .He has his own business and he could not buy health insurance. Interestingly, were he employed by most large employers, his coverage would have been automatic, and federal law makes it difficult to fail to employ and individual because of a medical vcondition which does not render them unable to perform the job requirements. Well, he isn't employed by a large employer. So why are you writing this long paragraph. To try to impress us with your knowledge? I told you he is self employed. Additionally there are literally hundreds of health insurance plans which would have enrolled him. Many offer only partial coverage, leaving out coverage for his pre-existing condition, while others have enormously high premiums. Let me shout it out to you: HE WANTS COVERAGE FOR HIS PRE-EXISTING DIABETIC CONDITION AND NOT AT ENORMOUSLY HIGH PREMIUMS. Do you understand that? The same wish of my son is desired by millions of people in this country who are rejected for health coverage for their pre-existing medical condition. One time, he was experiencing trouble with his eyes. He went to an eye doctor who specialized in diabetic eye conditions. Without insurance, he had to pay $400. for this visit. Then there are literally dozens of HMOs which routinely accept diabetics, although there are limits of coverage depending upon the origin (childhood) and defgree of the condition. You are obviously not being quite frank with readers here, not "telling a whopper", but greatly shading the truth. It does your perspective and communicating it great disservice. TMO Is this being frank enough for you? |
#9
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Draconian vacation policies for US slave workers
In article , John
wrote: On Thu, 06 Jul 2006 15:38:49 GMT, "TOliver" wrote: "John" wrote .... On Wed, 05 Jul 2006 09:20:40 +0100, The Reid wrote: Following up to mrtravel how well does an insurance based system work if you are born sick? It works quite well in my experience. My first child was conceived before I had insurance, so the insurance didn't cover my wife's (ex-wife now) medical bills, but it covered the child's medical bills in the hospital. I was thinking of someone with an ongoing condition, private cover here tends to exclude known conditions when I've looked at it. Very true in the US. My son is diabetic and takes daily insulin shots .He has his own business and he could not buy health insurance. Interestingly, were he employed by most large employers, his coverage would have been automatic, and federal law makes it difficult to fail to employ and individual because of a medical vcondition which does not render them unable to perform the job requirements. Well, he isn't employed by a large employer. So why are you writing this long paragraph. To try to impress us with your knowledge? I told you he is self employed. Why didn't he enroll during a legally mandated 'open enrollment' period ? jay Thu Jul 06, 2006 Additionally there are literally hundreds of health insurance plans which would have enrolled him. Many offer only partial coverage, leaving out coverage for his pre-existing condition, while others have enormously high premiums. Let me shout it out to you: HE WANTS COVERAGE FOR HIS PRE-EXISTING DIABETIC CONDITION AND NOT AT ENORMOUSLY HIGH PREMIUMS. Do you understand that? The same wish of my son is desired by millions of people in this country who are rejected for health coverage for their pre-existing medical condition. One time, he was experiencing trouble with his eyes. He went to an eye doctor who specialized in diabetic eye conditions. Without insurance, he had to pay $400. for this visit. Then there are literally dozens of HMOs which routinely accept diabetics, although there are limits of coverage depending upon the origin (childhood) and defgree of the condition. You are obviously not being quite frank with readers here, not "telling a whopper", but greatly shading the truth. It does your perspective and communicating it great disservice. TMO Is this being frank enough for you? |
#10
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Draconian vacation policies for US slave workers
"John" wrote in message ... On Thu, 06 Jul 2006 15:38:49 GMT, "TOliver" wrote: "John" wrote .... On Wed, 05 Jul 2006 09:20:40 +0100, The Reid wrote: Following up to mrtravel how well does an insurance based system work if you are born sick? It works quite well in my experience. My first child was conceived before I had insurance, so the insurance didn't cover my wife's (ex-wife now) medical bills, but it covered the child's medical bills in the hospital. I was thinking of someone with an ongoing condition, private cover here tends to exclude known conditions when I've looked at it. Very true in the US. My son is diabetic and takes daily insulin shots .He has his own business and he could not buy health insurance. Interestingly, were he employed by most large employers, his coverage would have been automatic, and federal law makes it difficult to fail to employ and individual because of a medical vcondition which does not render them unable to perform the job requirements. Well, he isn't employed by a large employer. So why are you writing this long paragraph. To try to impress us with your knowledge? I told you he is self employed. Additionally there are literally hundreds of health insurance plans which would have enrolled him. Many offer only partial coverage, leaving out coverage for his pre-existing condition, while others have enormously high premiums. Let me shout it out to you: HE WANTS COVERAGE FOR HIS PRE-EXISTING DIABETIC CONDITION AND NOT AT ENORMOUSLY HIGH PREMIUMS. Do you understand that? The same wish of my son is desired by millions of people in this country who are rejected for health coverage for their pre-existing medical condition. One time, he was experiencing trouble with his eyes. He went to an eye doctor who specialized in diabetic eye conditions. Without insurance, he had to pay $400. for this visit. Then there are literally dozens of HMOs which routinely accept diabetics, although there are limits of coverage depending upon the origin (childhood) and defgree of the condition. You are obviously not being quite frank with readers here, not "telling a whopper", but greatly shading the truth. It does your perspective and communicating it great disservice. TMO Is this being frank enough for you? No, because in your usual attempt to avoid the truth, you claimed: "He could not buy health insurance." No, not "cheap" insurance, but that he could not buy insurance at all, a statement you have yourself admitted to be untrue. Obviously, health insurance for diabetics is expensive unless thay can be covered by an employer plan or as a dependent of an employee so covered (or as a participant in an HMO). Why should your son's insurance be cheap? In the plan of which I'm a trustee, we insure dozens of diabetics (most of whom suffer from a less severe "adult onset" version). They are automatically covered at the same rate as any other particiapant. I presume that his choice to be "self-employed" was not made under duress (although admittedly, some employers might seek not to employ an individual with his type of diabetes, law or no law). TMO |
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