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ORIGINAL: eyesopened

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ORIGINAL: Brain
There is a loophole in the Senate health-care bill, as currently written the health-care bill allows insurance companies to set limits. So if you reach your limit then you end up having to pay a lot of money.

You simply cannot have limitless insurance.  There isn't an insurance company in the world who could have so much cash as to pay all claims for all people regardless of the cost.  There has to be limits.  Your homeowner's, auto, life, flood, hurricane, travel, luggage, and Best Buy Extended Warranty all have limits.  Hell, even Golden Corral has limits...all-you-can-eat-ends when the restaurant closes.

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ORIGINAL: Silence8

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ORIGINAL: cadenas
A public option is the absolute minimum necessary. I would go further and say: let's leverage what we already have and simply abolish the age limit in Medicare.

Medicare for all = single payer.

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ORIGINAL: cadenas

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ORIGINAL: eyesopened

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ORIGINAL: Brain
There is a loophole in the Senate health-care bill, as currently written the health-care bill allows insurance companies to set limits. So if you reach your limit then you end up having to pay a lot of money.

You simply cannot have limitless insurance.  There isn't an insurance company in the world who could have so much cash as to pay all claims for all people regardless of the cost.  There has to be limits.  Your homeowner's, auto, life, flood, hurricane, travel, luggage, and Best Buy Extended Warranty all have limits.  Hell, even Golden Corral has limits...all-you-can-eat-ends when the restaurant closes.

Actually, insurances can very well be limitless, and unlimited insurances are generally not even much more expensive than insurances with a limit. That works because extremely high claims are very unusual with most types of insurances, so it doesn't cost them much more. Compare the cost of a $30k auto insurance, a $100k auto insurance and an unlimited auto insurance. They are usually within a few bucks of each other.

Some insurances have limits for different reasons. Homeowner's insurances have limits to get people with expensive homes to pay higher premiums for the same coverage. That is why homeowner's insurances prorate even smaller claims if you are underinsured. For instance, if you have a $400k house and insure it for only $200k, the insurance is only going to pay 50% on your claim, even when the claim is small.

With health insurance, the reason for limits is to be able to kick out insured patients. Plain and simple.

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ORIGINAL: NeedToUseYou

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ORIGINAL: cadenas

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ORIGINAL: eyesopened

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ORIGINAL: Brain
There is a loophole in the Senate health-care bill, as currently written the health-care bill allows insurance companies to set limits. So if you reach your limit then you end up having to pay a lot of money.

You simply cannot have limitless insurance.  There isn't an insurance company in the world who could have so much cash as to pay all claims for all people regardless of the cost.  There has to be limits.  Your homeowner's, auto, life, flood, hurricane, travel, luggage, and Best Buy Extended Warranty all have limits.  Hell, even Golden Corral has limits...all-you-can-eat-ends when the restaurant closes.

Actually, insurances can very well be limitless, and unlimited insurances are generally not even much more expensive than insurances with a limit. That works because extremely high claims are very unusual with most types of insurances, so it doesn't cost them much more. Compare the cost of a $30k auto insurance, a $100k auto insurance and an unlimited auto insurance. They are usually within a few bucks of each other.

Some insurances have limits for different reasons. Homeowner's insurances have limits to get people with expensive homes to pay higher premiums for the same coverage. That is why homeowner's insurances prorate even smaller claims if you are underinsured. For instance, if you have a $400k house and insure it for only $200k, the insurance is only going to pay 50% on your claim, even when the claim is small.

With health insurance, the reason for limits is to be able to kick out insured patients. Plain and simple.

If it was the case that unlimited health insurance would only cost an insignificant amount more on a group basis, why would they kick them out. They wouldn't, and I'll tell you.

Unfortunately, it does cost significantly more, I posted a link up here a while back by the government, stating 50% of health care costs were due to like 5 percent(I think that was the correct percent, it's close to that, I'm sure) of the insured.

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ORIGINAL: cadenas

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ORIGINAL: eyesopened

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ORIGINAL: Brain
There is a loophole in the Senate health-care bill, as currently written the health-care bill allows insurance companies to set limits. So if you reach your limit then you end up having to pay a lot of money.

You simply cannot have limitless insurance.  There isn't an insurance company in the world who could have so much cash as to pay all claims for all people regardless of the cost.  There has to be limits.  Your homeowner's, auto, life, flood, hurricane, travel, luggage, and Best Buy Extended Warranty all have limits.  Hell, even Golden Corral has limits...all-you-can-eat-ends when the restaurant closes.

Actually, insurances can very well be limitless, and unlimited insurances are generally not even much more expensive than insurances with a limit. That works because extremely high claims are very unusual with most types of insurances, so it doesn't cost them much more. Compare the cost of a $30k auto insurance, a $100k auto insurance and an unlimited auto insurance. They are usually within a few bucks of each other.

Some insurances have limits for different reasons. Homeowner's insurances have limits to get people with expensive homes to pay higher premiums for the same coverage. That is why homeowner's insurances prorate even smaller claims if you are underinsured. For instance, if you have a $400k house and insure it for only $200k, the insurance is only going to pay 50% on your claim, even when the claim is small.

With health insurance, the reason for limits is to be able to kick out insured patients. Plain and simple.

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ORIGINAL: eyesopened

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ORIGINAL: cadenas

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ORIGINAL: eyesopened

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ORIGINAL: Brain
There is a loophole in the Senate health-care bill, as currently written the health-care bill allows insurance companies to set limits. So if you reach your limit then you end up having to pay a lot of money.

You simply cannot have limitless insurance.  There isn't an insurance company in the world who could have so much cash as to pay all claims for all people regardless of the cost.  There has to be limits.  Your homeowner's, auto, life, flood, hurricane, travel, luggage, and Best Buy Extended Warranty all have limits.  Hell, even Golden Corral has limits...all-you-can-eat-ends when the restaurant closes.

Actually, insurances can very well be limitless, and unlimited insurances are generally not even much more expensive than insurances with a limit. That works because extremely high claims are very unusual with most types of insurances, so it doesn't cost them much more. Compare the cost of a $30k auto insurance, a $100k auto insurance and an unlimited auto insurance. They are usually within a few bucks of each other.

Some insurances have limits for different reasons. Homeowner's insurances have limits to get people with expensive homes to pay higher premiums for the same coverage. That is why homeowner's insurances prorate even smaller claims if you are underinsured. For instance, if you have a $400k house and insure it for only $200k, the insurance is only going to pay 50% on your claim, even when the claim is small.

With health insurance, the reason for limits is to be able to kick out insured patients. Plain and simple.

I tried to find an auto insurance policy for any price that was without liability limits.  Please forward the link to the company who provides such.

You like Medicare.  But Medicare is full of limits.  The hospitalization is limited to 90 days per benefit period and then further limited to another 60 days lifetime reserve.  In other words you can't have grandma on life-support for 6 months.  After 5 months continuous hospitalization, grandma becomes uninsured under Medicare.