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Old 02-07-2012, 09:06 PM
AGDee AGDee is offline
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Originally Posted by AOII Angel View Post

Trust me. You do NOT want a voucher system. As much as you think it would be better not to have to be at the mercy of your employer, in our system, the only thing that protects you from being dropped from your policy when you have a claim is the fact that you are in a group policy through your employer. That's why the voucher system for Medicare is dumb (as well as for the fact that insurance companies won't take high risk individuals with multiple medical problems. What do you think you'll get with the elderly population?)
Under my system, they wouldn't be able to do that BCBS of Michigan is the only insurer of last resort in Michigan currently but under the new health care reform, all of them will have to take people regardless of pre-existing conditions, claims history, etc. BCBSM is very happy about that because they take the whole burden now.
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Old 02-07-2012, 09:15 PM
AOII Angel AOII Angel is offline
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Originally Posted by AGDee View Post
Under my system, they wouldn't be able to do that BCBS of Michigan is the only insurer of last resort in Michigan currently but under the new health care reform, all of them will have to take people regardless of pre-existing conditions, claims history, etc. BCBSM is very happy about that because they take the whole burden now.
That is if the affordable care act is upheld. The other problem is that despite the requirement that they not discriminate against people for pre-existing conditions, it doesn't mean they can jack your costs up significantly. They can't do that with a group policy.
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