Observer-Reporter forum

SSSS · Posted: Tue Sep 29, 2009 4:40 pm Post subject:

it IS dazes and they DO investigate-anything to get out of paying.
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ellipses · Mod Joined: 29 Sep 2008 Posts: 9218 Location: WashPa!

I wouldn't knowingly lie... but if you asked me if I had a heart condition, I would say no... Unless they listed everything that they count as a heart condition, I don't know what qualifies...

I had heat exhaustion when I was 7... does that count? What if I forgot about that?
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dazes · Professional Joined: 08 May 2009 Posts: 1422

Something about the whole thing makes me crazy. Obama surely has other more dastardly tales to tell. Why this one? Again a case os sloppy work by his researchers.

SSSS · Posted: Tue Sep 29, 2009 4:46 pm Post subject:

I guess the bext example is life insurance vs. smokers. If you state on the insurance app that you are a non smoker and, after you die; no matter the cause; they can prove you DID smoke-they may not pay off, or will at least keep it tied up for years before they pay.
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ellipses · Mod Joined: 29 Sep 2008 Posts: 9218 Location: WashPa!

Right... and that's an easy one... But what is the difference between a non-smoker's premium and a smoker's premium?

I haven't smoked since March 31... they ask "Have you used tobacco products in the past 12 months?"

If I say "yes" and my premium is X (let's say, 50 bucks a month more than if I was a non-smoker)... then when March 31 rolls around next year, and I am still a non smoker, can I get a 50 dollar price cut?

Now, onto a less obvious one... Let's say it's 10 years from now... they ask "Do you have a pre-existing heart condition?"

I don't remember that I was treated for Pleurisy 12 years ago... and I say "no"...

Am I screwed because I forgot about spending 4 hours in the hospital in 2007?
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dazes · Professional Joined: 08 May 2009 Posts: 1422

What if you quit the day before you sign the policy, and then die 3 months later from lung cancer. You didn't actually lie, you had quit!

Cylinsier · Master Joined: 29 Sep 2008 Posts: 13229 Location: Oh shi-

There's fine print somewhere that says they are allowed to bone you however they see fit if they want to.
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ellipses · Mod Joined: 29 Sep 2008 Posts: 9218 Location: WashPa!

That's why there should be single payer, automatic coverage... so we don't have to answer these questions... if you are alive in America, you are covered.

Once you die, you are on your own
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