This statement is so far outside of the bounds of reality it's laughable.
What about those people that are using United Health Care and getting the support they need? They account for nothing?
What about those people that are using United Health Care and getting the support they need? They account for nothing?
For example I had an insurance company not want to pay for a particular prescription drug my doctor prescribed. They were happy to pay for treating me, but they wanted it be done with some other drug.
They actually had a medical reason for this. The drug I had been prescribed had recently been found to have a risk of bladder cancer. There were other drugs just as effective but that did not have that risk and so they had removed it from their formulary.
In this case I wanted the first drug because I had used it before and knew that it worked well for me and that I didn't get any of the numerous annoying side effects that it and the alternatives could all have, and I had good reason to believe that I'd only need to be back on it for a month or two and then would be permanently done with it.
I concluded that the risk of bladder cancer from a couple months of the drug were negligible and preferable to dealing with drugs I'd never had before.
My doctor probably could have convinced them to go ahead and approve a one month subscription with the possibility of one refill, but I realized the drug was one of the ones that Walmart had on their $4 drug list and so had my doctor send the prescription there and I bought it for the cash price.
BTW, that $4 cash price at Walmart was cheaper than what I would have paid if my doctor had convinced the insurance to cover it and I filled the prescription at my regular pharmacy.
By the way, can you help me understand what a 'pre-existing condition' is? Literally nobody outside of America has experience with this term.
How could it be otherwise? Insurance was invented to hedge risk. In the case of healthcare, if you literally already have a condition that has known and ongoing costs associated with it, it doesn't make any sense for an insurance company to insure you against that risk – the risk has already manifested.
You’re a legal resident? You have 100% healthcare same as everyone else. There isn’t even a question about pre existing anything
For example many Germans will have experience with it because they have a system that has both a public and a private system. Those with high enough income (around 70k Euros) can opt out of the public system and use the private system instead. Also there are some classes of people that only can get part of their coverage from the public system and so need to buy additional coverage through the private system.
Insurers in that private system can take into account pre-existing conditions. They cannot reject an application over pre-existing conditions but they can charge higher premiums because of those conditions.
Another example is Switzerland. They have a universal healthcare system based on mandatory insurance from private health insurance companies. For that mandatory insurance pre-existing conditions are not a factor, but there is also supplemental insurance available that covers things not included in the mandatory insurance.
The supplemental providers can and do consider pre-existing conditions when deciding whether or not to provide coverage.