It's unverifiable, therefore not fact. And fact is not the same thing as evidence. And it's called anecdote, not anticdote.
lspiderl said:
"ive NEVER had a medical exam to gt insurance ive always gotten it without question by simply applying for it whenever a job offered it"
And yet you completely ignored the fact, or intentionally avoided mentioning, you signed a waiver allowing them to examine your medical records. You didn't need a medical exam right then and there, as you already had a few on record.
lspiderl said:
"teh number of people turned down for pre existing conditions is SUPER minimal"
You provided no evidence whatsoever, instead you come up with an anecdote-based speculation. Worse, you're blatantly wrong, as usual:*
In 45 states across the country, insurance companies can discriminate against people based on their pre-existing conditions when they try to purchase health insurance directly from insurance companies in the individual insurance market. Insurers can deny them coverage, charge higher premiums, and/or refuse to cover that particular medical condition. ~
http://statehealthfacts.org/comparetable.jsp?ind=353&cat=7
A recent national survey estimated that 12.6 million non-elderly adults - 36 percent of those who tried to purchase health insurance directly from an insurance company in the individual insurance market – were in fact discriminated against because of a pre-existing condition in the previous three years. ~ Commonwealth Fund Biennial Health Insurance Survey, 2007
and Doty MM, Collins SR, Nicholson JL et al.
Failure to Protect: Why the Individual Insurance Market is not a Viable Option for Most US Families. The Commonwealth Fund, July 2009.
In another survey, one in 10 people with cancer said they could not obtain health coverage, and six percent said they lost their coverage, because of being diagnosed with the disease.
~ USA Today/Kaiser Family Foundation/Harvard School of Public Health. National Survey of Households Affected by Cancer. November 2006. http://www.kff.org/kaiserpolls/upload/7591.pdf
It is still legal in nine states for insurers to reject applicants who are survivors of domestic violence, citing the history of domestic violence as a pre-existing condition. ~ National Women’s Law Center.
Nowhere to Turn: How the Individual Health Insurance Market Fails Women, 2008.
Even when offering coverage, insurers can exclude whole categories of illnesses related to a pre-existing condition. For example, someone with a pre-existing condition of hay fever could have any respiratory system disease – such as bronchitis or pneumonia – excluded from coverage. ~ Pollitz K, Sorian R.
How Accessible is Individual Health Insurance for Consumers in Less than Perfect Health? Kaiser Family Foundation, June 2001.
So yes, |spider|, anecdotal ignorance is what you presented. And I really am done talking about this derailing discussion. Once again, the topic is about
Power Change, as in House seats reverting to Republican majority. The topic is
not medical insurance.
*
information obtained from research committed by HealthReform.gov --- http://www.healthreform.gov/reports/denied_coverage/index.html