Saturday, May 6, 2017
Here Is A Partial List Of Of Over 50 Common Pre Existing Conditions Under Trumpcare That Would Get You Kicked Off Your Healthcare Plan
Just how do they plan to change the existing Affordable Care Act (ACA) that is in place now?
The bill, once passed, immediately raised concerns from patient advocacy groups and physicians that under the new AHCA, people with preexisting conditions would once again find health insurance inaccessible.
A preexisting condition is a term insurance companies used before the Affordable Care Act or Obamacare to classify certain diseases or health problems that could cause a person to be denied coverage or make their coverage more expensive than that of people considered healthy.
The new heal care legislation passed by the Republicans takes us right back to those times.
So what can we expect from the insurance companies, as far as pre-existing conditions, if this bill is signed into law?
Here is what counts as a preexisting condition that could get you denied coverage under the new plan...
• Alcohol or drug abuse with recent treatment
• Cerebral palsy
• Congestive heart failure
• Coronary artery/heart disease, bypass surgery
• Crohn’s disease
• Kidney disease, renal failure
• Bipolar Disorder
• Obsessive Compulsive Disorder,
• Multiple sclerosis
• Muscular dystrophy
• Organ transplant
• Parkinson’s disease
• Pending surgery or hospitalization
• Pneumocystic pneumonia
• Pregnancy or expectant parent (includes men)
• Sleep apnea
But according to Kaiser's associate director the above list is a conservative sampling of all of the issues and maladies that insurers could count as pre-existing conditions.
Apparently there are plenty of other conditions that will get people denied from some insurers but accepted and charged a higher premium by other insurers.
Here are some examples of those other conditions that experts have noted could hike premiums...
• Acid Reflux
• Celiac Disease
• Heart burn
• High cholesterol
• Kidney Stones
• Knee surgery
• Lyme Disease
• Postpartum depression
• Seasonal Affective Disorder
• "Sexual deviation or disorder"
The list of pre-existing conditions could be endless. Three of the largest insurers in the US -- United Healthcare, Cigna and Anthem Blue Cross Blue Shield -- considered a person generally "uninsurable" and could decline coverage without reviewing any medical records if an applicant had a certain health issue. Insurance companies have listed the health issues but most reserved the right to add more conditions.
So what can we expect from insurers if you "suffer" from one of the above pre-existing conditions? Take as an example this recent report from the Center for American Progress which found that insurers could charge people with metastatic cancer as much as $142,650 more for their coverage, a 3,500% increase.
Thank you Trumpcare!