The problem is those with pre-existing conditions and those newly entering the insurance market cause a rise in rates. Insurance companies only want to insure health people- a balance must be struck.
Memphis, TN (PRWEB) May 14, 2014
Obamacare didn't fix the problems with pre-existing conditions. Dr. George Flinn has created a viable solution to healthcare- The Patient Centered Healthcare Plan (PCHP). One of the founding principles of the plan is pre-existing conditions.
In the past, pre-existing conditions could result in denial of insurance, and others a new policy excluding treatment for a condition for a number of months after the effective date of the policy. If a person with an existing condition covered under a policy changes jobs and insurance, and suddenly, that pre-existing condition that is not covered. No one wants people with these conditions to be without or denied coverage.
Flinn stated “ObamaCare promised to eliminate the possibility of insurance companies denial of coverage based on what they considered a 'pre-existing condition.' But that hasn’t necessarily been the case. An Indiana man born with poor kidneys and undergoes three treatments a week has been denied a policy through healthcare.gov. 22 similar cases have been reported in the state.”
Insurance companies have also found loopholes. In some cases, you can only receive coverage for one pre-existing condition. Flinn explains “If your current pre-existing condition is heart related and you develop cancer, your heart coverage is now nullified. Insurance companies are also limiting the medications available under their plans, so many Americans must pay full retail price or forego the medication altogether- neither option is right.”
“The problem is those with pre-existing conditions and those newly entering the insurance market cause a rise in rates,” says Dr. Flinn. “Insurance companies only want to insure health people- a balance must be struck.”
With the PCHP, insurance companies would develop a high risk pool and use risk-transfer mechanisms to cooperate with and reimburse each other based on the high risk pool costs. No state or federal taxpayer money is used. People would receive the care and insurance they need, and there would be no need to discuss pre-existing conditions again.
On its site http://www.patientcenteredhealthplan.com, pre-existing conditions and other guiding principles are outlined as well as solutions to ObamaCare that would create a more efficient and accessible system for all. Under the PCHP, Americans would be in control of their own healthcare and make choices that fit their needs, not the government or an insurance company.
For additional information, please visit http://www.FlinnForSenate.com