Daily News Updates - Health Insurance News

McCain vs. Destitute, Pt.4 – Who and why are so many rejected?

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What was found was that people with pre-existing medical conditions or considered seriously obese were flat-out denied health insurance and deemed to be ‘un-insurable’. This is exactly how unregulated capitalism works. Not complicated at all. One detail should be pointed out, however. This narrow ‘online focus’ doesn’t mean that none of these’ internet-denied’ can never get health insurance anywhere. There exist ‘high-risk pools’ where some of them can get health insurance.

These are the same ‘high-risk pools’ that Mr. McCain is eluding to in his health insurance proposal when he says “We’re not going to leave anyone behind.” They’re now available in about 30 states, but only seem to work for the ‘wealthy’ and the ‘lucky’. The wealthy are able to pay the $10,000 a month for health insurance premiums or get by with exclusions from covering the pre-existing condition at issue, or the most expensive treatments they require.

The ‘lucky’ here are the extremely small percentage of applicants into these pools who are allowed in. These are people who can’t afford the exorbitant health insurance premiums and the very high deductibles attached. These people are heavily subsidized by the state.

The study noted that women accounted for about two-thirds of those rejected. The most common reason for denial was inclusion of being pregnant or having undergone a prior c-section. This was noted from a published ‘blacklist’ report issued by the National Women’s Law Center. The significance here becomes compromised, however, because two-thirds of the entire sample (all 446,500 respondents) were also women.

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