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View Diary: Unaffordable co-pays and deductibles, death by a million cuts for insured Americans (248 comments)

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  •  If (1+ / 0-)
    Recommended by:

    there's no record how can they boot you off later?

    Please explain. Is god providing them with instant replay?

    •  um that's my point (0+ / 0-)

      if there is no record there is no point in trying to disclose it.

      Scientific Materialism refuted here

      by wilderness voice on Sun Mar 18, 2012 at 12:14:11 PM PDT

      [ Parent ]

      •  Please see my comment above. (3+ / 0-)
        Recommended by:
        nyceve, offred, ladybug53

        There was a way they found out about my prior medical history that I did not disclose, and that I was not asked to disclose.
        They specifically denied me coverage for the named chronic illness that  had been cured for 5 years.  I waited 5 years before applying for insurance because of that illness.

    •  I do not know if there is a record (4+ / 0-)

      or not, since I do not know if these drs. sold their businesses, etc...
      I just know I could not find them.
      On the other hand, since I did try to explain myself, I supposes the insurance companies keep a record of my incomplete applications.
      The enxt time I attempt to get insurance, I will report what I can verify, and skip the rest.
      Still, my question about being unable to maintain mandated insurance is the real concern.  I believe in 2014, my medical history will not prevent me from getting coverage.  
      When I was 36 yrs old, I applied for insurance, and did not report a chronic illness that had been fully resolved when I was 31 yrs old.  I did not report my history over 5 yrs before the application, and was asked no questions about it.
      They found it, sent my premium back, rejected me.

      •  prescription surveillance (2+ / 0-)
        Recommended by:
        Crazy like a fox, offred

        I forgot about that. There are companies that track pharmacy prescription usage by name and report it to the insurers. HIPAA is an absolute joke - it allows this. It's only purpose is to serve as cover to medical providers to refuse to release records of mistreated elderly patients to relatives.

        Anyway,this is a good reason to use a high deductible insurance and buy one's meds overseas via the internet.  Often costs less than the copay anyway.

        Scientific Materialism refuted here

        by wilderness voice on Sun Mar 18, 2012 at 01:09:16 PM PDT

        [ Parent ]

        •  Well (2+ / 0-)
          Recommended by:
          offred, nyceve

          you need a prescription so even if you buy the meds overseas they know what you were prescribed.

          And I always knew HIPAA was to be used against us. Not for us.

          •  actually, not, on 2 counts (0+ / 0-)

            I doubt that any overseas pharmacy is part of the prescription surveillance network, except possibly Canada.

            There are many legit overseas pharmacies that do not require a prescription.  By law you are supposed to have a prescription to legally import from them, but that is another matter.  

            Scientific Materialism refuted here

            by wilderness voice on Mon Mar 19, 2012 at 11:12:41 AM PDT

            [ Parent ]

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