I have a friend. She has a daughter. While in college, the daughter was covered on the parents’ health insurance policy.
Well, sorta. As part of her college program, the daughter had to do an internship. Hey, that’s great! Great experience, maybe a great chance to get a permanent job! Except, as it turns out, the internship does not count as being a full time student for the purposes of health insurance.
My friends, being responsible parents, and additionally being parents with enough disposable income to afford it, took out a health insurance policy for their daughter. They thought they were doing the right and responsible thing for her. They did not want her to be without coverage should some unexpected and catastrophic event befall her (you know, like some sick fuck walks in to your fitness club….)
Well, as it turns out, they could have just saved their cash. My friend’s daughter was unfortunately stricken with a completely unexpected, though non-life-threatening, medical condition. You might think this is the kind of thing that your health insurance would help you deal with, but you would be wrong.
The coverage my friends were able to purchase for their daughter was a 180 day policy. The terms of the policy required that, if they wanted to “renew” it, in effect, they had to reapply for it all over again. At which time, the insurance company was free to take into account any “pre-existing conditions” as a cause for denying coverage. “Pre-existing conditions”, in this case, included any conditions for which the policy holder sought treatment for during the 180 days of coverage for which they had paid for.
Does this not seem, shall we say, somewhat vaguely Kafka-esque????? Or is “vaguely” being too polite?
I will sell you insurance coverage, with the option to “renew” said insurance coverage. If, however, you actually use your insurance during the time of paid insurance coverage, any condition for which you use the insurance coverage, can be used as a pre-existing condition for which we will deny you insurance coverage. Thank you, and please make out the rather large check to “Fuck You Very Much Insurance Company of America”.
Even auto insurance companies just raise your premiums if you have the audacity to make a claim on your auto insurance – they don’t just tell you to piss off and have a good life.
But hey, let’s not go all SOCIALIST and all, and insist that young people ought to have health insurance, or that we ought to get picky with health insurance companies about their pre-existing conditions requirements. I mean, they need to make profits and all! And what could be more important? What are you, some kind of socialist commie librul???