Here is a new one, the DNC is now sending out emails and scaring pregnant women. They bring up a family, no names, no date, no specific insurance company and claim the insurance company was not going to pay their medical bills because a premature baby is considered a “pre-existing condition”. So, I searched insurance company policies dated before October 31, 2007, over a year before the Affordable Care Act went into effect. Did not find any insurance company who would not cover a premature baby. Now there were a few families who did not recieve coverage for the newborn baby at the time of birth, but it had nothing to do with the condition of their newborn. It was because the parents did not follow their policies instructions and inform the insurance company of their newborn baby within 30 days of the baby’s birth. Then, at that point, if the baby was born healthy the infant was added to the insurance, but the parents were responsible for any medical fees that occurred before the baby was insured. If the baby was born with a medical condition they were dealing with a higher or no coverage for the pre-existing condition. The initial loss of insurance was due to the parents not doing their part within 30 days.
Thus far, Trump and the GOP have not threatened to eliminate the requirement for insurance companies to cover pre-existing conditions. If anything they have repeatedly reassured the people by at least saying they believe people should not be rejected by insurance companies for pre-existing conditions. Trump and GOP are looking at tearing down the Affordable Care Act, but they don’t plan to eliminate every single portion of it. Specific regulations may have to go through Congress again, but only time will tell.
However, the DNC should not be scaring pregnant women across the US with their farfetched predictions. If you are worried about the DNC predictions, call or email your current health insurance provider. Ask them if by some slim chance the GOP allowed insurance companies to deny insurance for pre-existing issues would it include a pre-mature birth and/or any birth defects. If you call them on the phone, make sure to write down the operator’s name and request their response to be sent to you on paper for your own records. Just because a political party said it, doesn’t mean one should jump out of their seat and instantly believe it.
Categories: Rants & Raves