Pre-existing Conditions

A term becoming increasingly commonplace is "pre-existing condition". In the healthcare realm, this refers to a health problem that a person has prior to signing up for private healthcare insurance.

More and more, you see articles describing horror stories that people have with regards to their insurance companies and their pre-existing conditions. Sure, they definitely make you feel bad for these people, but to paint insurance companies in a bad light because of that is a fucking cheap shot. These private companies' business models depend on the very basic idea of taking on the risks associated with peoples' healthcare and appropriately pricing their coverage to mitigate that risk. If you're sick and try to trick an insurance company into footing your costly bills, and then they refuse to help you out when they figure this all out, who's to blame?

How can the Obama and the public at large demand that health insurance providers provide the same coverage regardless of pre-existing conditions? That's like saying you can drive without insurance, crash your car, then call up GEICO and tell them you're going to pay a $200 monthly bill and that you'd like your $50,000 car repaired immediately. That's like being forced to accept a bet on the losing team after the game has ended. Sure, it sucks for the uninsured, but does it really make sense to call the insurance companies bad people for not covering people who are already sick? The government should spend less money on fucking retarded programs like Cars for Clunkers, and use that money to help the few people who are in genuinely messed up situations that cannot be helped otherwise.

Now, I do think it's shitty that you hear about companies dropping insurance coverage instead of covering bills for customers who grow ill after successfully signing up for insurance coverage. In those cases, sure, it's messed up that these companies refuse to man up to the loss they took on that particular bet. But for the most part, there's too much fucking bullshit bitching and moaning about companies simply going about business the way business has been done for centuries before.

Fuck all these tear-jerker stories about sick people being "screwed over" by insurance companies. They should have started off paying the few bucks a day it costs to have insurance coverage to begin with. It's really their own damn fault that they're sick and assed out.