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taffylinden

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 #1 
I changed the thread name. 

In case you haven't heard, the House of Representative passed the new health care bill, the one that has no real protections against pre-existing conditions like lupus. 

Very simply, the bill says states can decide to waive the requirement that insurance companies have to provide the same level of care and same serviced for those with PEC's as those without. Insurance companies are poised to jack rates high for PEC people, and they'll cover fewer medical conditions. 

The bill next goes to the Senate for discussion and debate, and they'll vote. 
Cakelady

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 #2 
I wish I can just march in there and give them a piece of my mind
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Running Momma

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 #3 
Does anyone know how this will effect someone on Medicare?
Robinj

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 #4 
I think we need to see how this all pans out...................
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upstater

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 #5 
I will admit I need to research this more. But I had read this was why a lot of doctors were using the UCTD label, at times.....to protect people against the insurance issues before the ACA.

If I remember right, before the ACA the pre-existing clause related to people who had a lapse in coverage? But that it did not apply to people who had continuous coverage in an employer based plan? Or was that a state to state issue? Of course, that still doesn't protect many people. 
taffylinden

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 #6 
The first rheumatologist I saw said, "You don't want me to diagnose this as lupus. You won't be able to get insurance coverage." He called it UCTD\y. I already HAD insurance, so it might not have been termed a pre-existing condition, BUT insurance companies would sometimes try to "prove" something was a PEC by looking at past medical records, pre-diagnosis. So in that sense, you're right. But when my son was in college, he had asthma and stomach issues that forced him to reduce classes to part-time one semester. Our insurance dropped him (Had to be full-time student pre-ACA), and because of the asthma, other companies wouldn't insure him. As at all. I finally got insurance by--I freely admit--lying on the application. But anything on his medical record indicating it was a long-time condition would have killed that policy. 

When I left the ex, I had to leave his insurance, too. Luckily, I wasn't diagnosed with lupus yet. And then when I retired, I also lost coverage. Thank God for the ACA, or I'd be without insurance now. Of course, I will be again soon if the ACHA passes the Senate. If my vision improves--a huge IF at this point--I may be able to get a job. Right now, nobody would want me. But if it doesn't offer insurance, or if the insurance won't cover me due to the lupus, I'd be back in the same leaky boat.

Otherwise, my only choice would be to try to get on disability, and as I've stated, I'm all for disability--for other people. As so many of you have said, you'd rather be working. Me, too.




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