COVID health insurance exclusions

[SectionC3]

Don't want to get a safe vaccine for COVID?  Cool.  Just make sure when you inevitably get COVID that you shelter in place, maybe even die in place, and don't increase my insurance premiums through your unnecessary hospitalization or waste my tax dollars treating or convalescing on government dime.  (Not that any anti-vaxxers would, because of their firm stance against socialism.  Hoax.  They all would because they're morons who love their social security and medicaid but aren't smart enough to realize that such reallocations are--gasp--socialism.)  

 

It's about time someone has suggested something like this with respect to health insurance exclusions.  Freedom and capitalism at their finest!

 

https://www.wgrz.com/article/news/health/rising-covid-cases-and-mask-restrictions-bring-renewed-criticism-and-political-attacks-covid-mask-virus-health/71-d5912b74-e854-4e1e-a82b-f89b88190983

[JaCrispy]

Everyone needs to shelter in place- not just the unvaccinated...and studies are showing more and more vaccinated people becoming hospitalized with Covid due to the lower efficacy against Delta and newer mutations...

 

The article is just another way the Establishment is trying to further divide society...don’t be fooled, especially now that there are other treatments available other than vaccination...👍

Edited November 24, 2021 by JaCrispy

[SectionC3]

10 minutes ago, JaCrispy said:

Everyone needs to shelter in place- not just the unvaccinated...and studies are showing more and more vaccinated people becoming hospitalized with Covid due to the lower efficacy against Delta and newer mutations...

 

The article is just another way the Establishment is trying to further divide society...don’t be fooled, especially now that there are other treatments available other than vaccination...👍

Hoax.  Masks + vaccines work to prevent spread and to keep hospitalization rates down.  At ECMC 75% of hospitalization cases are unvaccinated patients. 

 

Maybe you want to cower in the face of COVID.  I don't.  I also don't want to pay for a more expensive COVID treatment for the fools who don't want to get a vaccine.  The vax costs about $37/shot (purchase + transport + labor), and the Pfizer pill will cost about $529 for a full course of treatment.  Hospitalization, of course, is much more expensive.  And don't even get me started on paying for death costs associated with such morons.  We shouldn't even put them in the cooler in the county morgue.  Drag them outside and let the crows and squirrels have at it.  I'd rather make them bird food than pay for electricity to store their COVID-invested bodies.  

 

That, my friends, is freedom of choice--my freedom to choose not to pay for someone lazy, brainwashed, or stupid when they get sick with an easily-preventable virus.  I'm glad someone is doing something to protect that freedom. 

Edited November 24, 2021 by SectionC3

[SoCal Deek]

4 minutes ago, SectionC3 said:

Hoax.  Masks + vaccines work to prevent spread and to keep hospitalization rates down.  At ECMC 75% of hospitalization cases are unvaccinated patients. 

 

Maybe you want to cower in the face of COVID.  I don't.  I also don't want to pay for a more expensive COVID treatment for the fools who don't want to get a vaccine.  The vax costs about $37/shot (purchase + transport + labor), and the Pfizer pill will cost about $529 for a full course of treatment.  Hospitalization, of course, is much more expensive.  And don't even get me started on paying for death costs associated with such morons.  We shouldn't even put them in the cooler in the county morgue.  Drag them outside and let the crows and squirrels have at it.  I'd rather make them bird food than pay for electricity to store their COVID-invested bodies.  

 

That, my friends, is freedom of choice--my freedom to choose not to pay for someone lazy, brainwashed, or stupid when they get sick with an easily-preventable virus.  I'm glad someone is doing something to protect that freedom. 

Fantastic! I literally guarantee I pay more  in taxes than you do. May I prepare a list of things that I don’t want to pay for? 

[JaCrispy]

Cower? Hardly... I faced covid head on and beat it, and I’m still against mandates...and I have no problem paying higher costs for better treatments...heck, if we have to pay for people to have 8 abortions, I’m sure people will be ok with this...👍

[All_Pro_Bills]

48 minutes ago, SectionC3 said:

Don't want to get a safe vaccine for COVID?  Cool.  Just make sure when you inevitably get COVID that you shelter in place, maybe even die in place, and don't increase my insurance premiums through your unnecessary hospitalization or waste my tax dollars treating or convalescing on government dime.  (Not that any anti-vaxxers would, because of their firm stance against socialism.  Hoax.  They all would because they're morons who love their social security and medicaid but aren't smart enough to realize that such reallocations are--gasp--socialism.)  

 

It's about time someone has suggested something like this with respect to health insurance exclusions.  Freedom and capitalism at their finest!

 

https://www.wgrz.com/article/news/health/rising-covid-cases-and-mask-restrictions-bring-renewed-criticism-and-political-attacks-covid-mask-virus-health/71-d5912b74-e854-4e1e-a82b-f89b88190983

Anyone advocating for this doesn't understand how the US health care system operates.  For one, it contradicts the rationale for the ACA and mandatory insurance coverage.  And hospitals and doctors would never support this.  How will they get paid?  You might be able to get away with a surcharge like they do with smokers.  But if ultimately the idea is to deny citizens (the SJW crowd will likely insist on an exclusion for un-vaccinated illegals) medical services in order to coerce them into getting a vaccine against their will it might involve ethical questions.   

 

But then again, maybe we can start to euthanize terminally ill or end of life patients to save you a few bucks on your premiums too?  Sneak into grandma's room in the middle of the night and put a pillow over her face then wake up mom and dad to tell them you just saved them $5 a month on their coverage. 

Edited November 24, 2021 by All_Pro_Bills

[SectionC3]

2 minutes ago, SoCal Deek said:

Fantastic! I literally guarantee I pay more  in taxes than you do. May I prepare a list of things that I don’t want to pay for? 

 

Hoax.  You didn't guarantee anything.  You just said something on the Internet.  

 

Anyhow, I'm not sure that this is the place to compare 1099s or 8960s.  But whatever.  I'll accept your list.  Maybe we can work together to identify some dumb things that neither of us wants to pay for.  

[JaCrispy]

2 minutes ago, SectionC3 said:

 

Hoax.  You didn't guarantee anything.  You just said something on the Internet.  

 

Anyhow, I'm not sure that this is the place to compare 1099s or 8960s.  But whatever.  I'll accept your list.  Maybe we can work together to identify some dumb things that neither of us wants to pay for.  

Yeah...have fun with that...😉

[SectionC3]

1 minute ago, All_Pro_Bills said:

Anyone advocating for this doesn't understand how the US health care system operates.  For one, it contradicts the rationale for the ACA and mandatory insurance coverage.  And hospitals and doctors would never support this.  How will they get paid?  You might be able to get away with a surcharge like they do with smokers.  But if the ultimately the idea is to deny citizens (the SJW crowd will likely insist on an exclusion for un-vaccinated illegals) people medical services in order to coerce them into getting a vaccine against their will it might involve ethical questions.   

 

But then again, maybe we can start to euthanize terminally ill or end of life patients to save you a few bucks on your premiums too?  Sneak into grandma's room in the middle of the night and put a pillow over her face then wake up mom and dad to tell them you just saved them $5 a month on their coverage. 

 

Same way they get paid when they treat uninsureds for unavoidable or genetic conditions.  Sue them, take a judgment, and have the judgment follow them around forever.  No more buying guns and cigs and pickup trucks and Keystone Light and big TVs if you're an unvaxxed COVID patient.  Gotta pay the hospital bills first.   Nothing unethical about it.  I just don't have to pay for their stupid anymore.  It's a win for everyone. 

3 minutes ago, All_Pro_Bills said:

Anyone advocating for this doesn't understand how the US health care system operates.  For one, it contradicts the rationale for the ACA and mandatory insurance coverage.  And hospitals and doctors would never support this.  How will they get paid?  You might be able to get away with a surcharge like they do with smokers.  But if the ultimately the idea is to deny citizens (the SJW crowd will likely insist on an exclusion for un-vaccinated illegals) people medical services in order to coerce them into getting a vaccine against their will it might involve ethical questions.   

 

But then again, maybe we can start to euthanize terminally ill or end of life patients to save you a few bucks on your premiums too?  Sneak into grandma's room in the middle of the night and put a pillow over her face then wake up mom and dad to tell them you just saved them $5 a month on their coverage. 

 

The nice thing about old people is that they typically chose to care for themselves and maintained their health. Unvaxxed COVID patients do the opposite.  Freedom, baby.  Cut them off.  

[SoCal Deek]

5 minutes ago, SectionC3 said:

 

Hoax.  You didn't guarantee anything.  You just said something on the Internet.  

 

Anyhow, I'm not sure that this is the place to compare 1099s or 8960s.  But whatever.  I'll accept your list.  Maybe we can work together to identify some dumb things that neither of us wants to pay for.  

Ha! Indeed it’s not the place. But it’s also not the place for anyone to recommend  withholding medical treatment because you don’t like an action someone took or didn’t take. That’s not how we do things in America. Step back from the ledge.
 

(I’ll work with you on that cut list any time you’d like. I’m sure the two of us will do better than the clown show in Washington.)

Edited November 24, 2021 by SoCal Deek

[SectionC3]

1 minute ago, SoCal Deek said:

Ha! Indeed it’s not the place. But it’s also not the place for anyone to recommend  withholding medical treatment because you don’t like an action someone took or didn’t take. That’s not how we do things in America. Step back from the ledge.
 

(I’ll work with you on that cut list any time you’d like. I’m sure the two of us will do better than the clown show in Washington.)

 

There's no right to comprehensive health insurance in this country.  You and I disagree there.  Wanna do something dumb?  Be prepared to pay for it.  Just like smokers have higher life insurance premiums.  In fact, maybe I just found the solution.  Don't want a vax?  Pay a higher premium.  Let the actuaries sort it out.  Done.  Perfect solution. 

 

(For what it's worth, I feel the same way about the 300 pound slobs around here who live like gluttons and then expect me to pay for them when they have an inevitable stroke or heart attack.  If they have money for Applebee's on a Tuesday night and whack down a half dozen beers and 20 wings every weekend night, then surely they can pay for their own Plavix.  Jack up their premiums, too.)

[leh-nerd skin-erd]

55 minutes ago, SectionC3 said:

Don't want to get a safe vaccine for COVID?  Cool.  Just make sure when you inevitably get COVID that you shelter in place, maybe even die in place, and don't increase my insurance premiums through your unnecessary hospitalization or waste my tax dollars treating or convalescing on government dime.  (Not that any anti-vaxxers would, because of their firm stance against socialism.  Hoax.  They all would because they're morons who love their social security and medicaid but aren't smart enough to realize that such reallocations are--gasp--socialism.)  

 

It's about time someone has suggested something like this with respect to health insurance exclusions.  Freedom and capitalism at their finest!

 

https://www.wgrz.com/article/news/health/rising-covid-cases-and-mask-restrictions-bring-renewed-criticism-and-political-attacks-covid-mask-virus-health/71-d5912b74-e854-4e1e-a82b-f89b88190983

I’m against this tyrannical  and exclusionary policy.  
 

It violates the policy of acting in the best interest of the public.  Your numbers alone document that, as a staggering 25% of the hospitalized are vaccinated.  
 

No, the better approach is to continue to educate the public, seek new remedies and alternative treatments.   

[SoCal Deek]

6 minutes ago, SectionC3 said:

 

There's no right to comprehensive health insurance in this country.  You and I disagree there.  Wanna do something dumb?  Be prepared to pay for it.  Just like smokers have higher life insurance premiums.  In fact, maybe I just found the solution.  Don't want a vax?  Pay a higher premium.  Let the actuaries sort it out.  Done.  Perfect solution. 

 

(For what it's worth, I feel the same way about the 300 pound slobs around here who live like gluttons and then expect me to pay for them when they have an inevitable stroke or heart attack.  If they have money for Applebee's on a Tuesday night and whack down a half dozen beers and 20 wings every weekend night, then surely they can pay for their own Plavix.  Jack up their premiums, too.)

At least you’re consistent! How about those in this country illegally and without insurance? Turn them away as well? How about the guy who gets shot while committing a crime? Let him bleed out in the street? I understand your position.  I really do…but…just like the latest idea to ‘empty the prisons’ or ‘defund the police’ you better think it through. Won’t that person the hospital turns away for being unvaccinated just leave the hospital and infect everyone they come in contact with?

Edited November 24, 2021 by SoCal Deek

[SectionC3]

Just now, leh-nerd skin-erd said:

I’m against this tyrannical  and exclusionary policy.  
 

It violates the policy of acting in the best interest of the public.  Your numbers alone document that, as a staggering 25% of the hospitalized are vaccinated.  
 

No, the better approach is to continue to educate the public, seek new remedies and alternative treatments.   

Education doesn't work.  We have too many stupid people here.  A shocking indictment of our public education system.  So now we have to hit them where it hurts.  In their wallets.  It's our freedom to do so, and I say that we exercise it.  The fact that you might have to pay more for health insurance, or that your health insurance may not be as comprehensive as you would like, isn't tyrannical or exclusionary.  It's capitalism--freedom--at its finest.  

 

Also, I note that nobody has disagreed with my plan to make the unvaxxed temporary bird/squirrel food.  I appreciate the bipartisanship there. 

[Doc]

1 minute ago, SoCal Deek said:

At least your consistent! How about those in this country illegally and without insurance? Turn them away as well? How about the guy who gets shot while committing a crime? Let him bleed out in the street? I understand your position.  I really do…but…just like the latest idea to ‘empty the prisons’ or ‘defund the police’ you better think it through. Won’t that person the hospital turns away for being unvaccinated will just leave the hospital and infect everyone they come in contact with?

 

Was just going to post this.  Libs don't consider the ramifications of their outrage beyond the immediate case.  So yes, let's deny healthcare to EVERYONE who doesn't deserve it.  

[SectionC3]

Just now, SoCal Deek said:

At least your consistent! How about those in this country illegally and without insurance? Turn them away as well? How about the guy who gets shot while committing a crime? Let him bleed out in the street? I understand your position.  I really do…but…just like the latest idea to ‘empty the prisons’ or ‘defund the police’ you better think it through. Won’t that person the hospital turns away for being unvaccinated will just leave the hospital and infect everyone they come in contact with?

 

I've thought it through.  The hospitals will still take the patients.  Then they'll sue the patients for unpaid bills and chase them down.  Garnish their wages.  Liens on Social Security.  Push them into bankruptcy.  Insurers will develop COVID riders for which adult unvaxxed can pay significant premiums.  Not my problem.  Capitalism.  It's perfect. 

 

As to your other issues, those illegals bereft of insurance get the same treatment already.  They get treated, and then they get sued if they stick around and can't pay their bills.  Guy in the street?  Same thing.  If he has insurance that covers his GSW, good for him.  If not, that's life.  I'm fine with rewriting health insurance policies not to pay for someone like that so long as the shooting was a justified response to a criminal action.  (Shooting someone for, say, public intoxication would not be a justified action.)

3 minutes ago, Doc said:

 

Was just going to post this.  Libs don't consider the ramifications of their outrage beyond the immediate case.  So yes, let's deny healthcare to EVERYONE who doesn't deserve it.  

 

Hoax.  Nobody is outraged.  And you painted with a broad brush.  It's kind of like saying that everyone who believes that HCQ is an effective treatment for COVID is a drooling moron.  Many of those people are drooling morons, but some probably are not. 

[All_Pro_Bills]

4 minutes ago, SectionC3 said:

 

Same way they get paid when they treat uninsureds for unavoidable or genetic conditions.  Sue them, take a judgment, and have the judgment follow them around forever.  No more buying guns and cigs and pickup trucks and Keystone Light and big TVs if you're an unvaxxed COVID patient.  Gotta pay the hospital bills first.   Nothing unethical about it.  I just don't have to pay for their stupid anymore.  It's a win for everyone. 

 

The nice thing about old people is that they typically chose to care for themselves and maintained their health. Unvaxxed COVID patients do the opposite.  Freedom, baby.  Cut them off.  

You'll need to repeal sections of the ACA in order to do this as mandatory health insurance is the rule right now.  How many votes are do you expect there are in the House and Senate with mid-terms approaching?  I'd suggest the idea is DOA when it comes to Medicare and Medicaid coverage.  Commercial coverage where insurance is contracted between private business and the government with insurers might get some interest in premium surcharges.

 

I know a little about the topic.  I spent 12 years in health insurance supporting claims processing, provider contracts, member coverage and benefits, and I'm currently working in health care analytics services for about 4 years.  Along with this some personal experience dealing with high cost hospitalization expenses.  How it works is simple.  Have you ever seen a dead Deer on the side of the road getting devoured by Vultures.  Well you're the Deer and the hospitals and doctors & their billing administrators are the Vultures.  That's why I donate some of my time to helping low income people and seniors navigate the billing process so they don't get screwed.  

 

And fun fact, people with health insurance make up the largest group of people filing personal bankruptcy.  Doctors and Hospitals might get pennies on the dollar.  That's not going to pay for those country club memberships and Telsa's in the 3-car garage.  Anything that threatens that income stream is going to be vigorously opposed.      

[plenzmd1]

35 minutes ago, SectionC3 said:

Hoax.  Masks + vaccines work to prevent spread and to keep hospitalization rates down.  At ECMC 75% of hospitalization cases are unvaccinated patients. 

 

Maybe you want to cower in the face of COVID.  I don't.  I also don't want to pay for a more expensive COVID treatment for the fools who don't want to get a vaccine.  The vax costs about $37/shot (purchase + transport + labor), and the Pfizer pill will cost about $529 for a full course of treatment.  Hospitalization, of course, is much more expensive.  And don't even get me started on paying for death costs associated with such morons.  We shouldn't even put them in the cooler in the county morgue.  Drag them outside and let the crows and squirrels have at it.  I'd rather make them bird food than pay for electricity to store their COVID-invested bodies.  

 

That, my friends, is freedom of choice--my freedom to choose not to pay for someone lazy, brainwashed, or stupid when they get sick with an easily-preventable virus.  I'm glad someone is doing something to protect that freedom. 

Ole Polancarz said in his mask presser...43% in hospital in Erie County are fully vaxxed...so i think i will believe him more.

 

Cases in NYS 11/24/20...5400

Cases in NYS  11/22/21 with 71% vax---7200

 

25% more covid cases with vax than without.

 

seeing those numbers you still blaming on the unvaxed?

Edited November 24, 2021 by plenzmd1

[SectionC3]

Just now, plenzmd1 said:

Ole Polancarz said in his mask presser...43% in hospital in Erie County are fully vaxxed...so i think i will believe him more.

 

Cases in NYS 11/24/20...5400

Cases in NYS with 71% vax---7200

 

seeing those numbers you still blaming on the unvaxed?

Yup.  I do.   The vax cuts hospitalization rates.  Stop spending my money on Medicare for the unvaxxed, commie. 

[Doc]

1 minute ago, SectionC3 said:

Hoax.  Nobody is outraged.  And you painted with a broad brush.  It's kind of like saying that everyone who believes that HCQ is an effective treatment for COVID is a drooling moron.  Many of those people are drooling morons, but some probably are not. 

 

Try being consistent for a change, Simple Jack.