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Don't some insurers outright deny cover for chronic or genetic conditions?
by CommanderData 4y ago
Don't some insurers outright deny cover for chronic or genetic conditions?
- csours 4y agoYes, someone somewhere will be making this decision. It could be insurance, a doctor, nurse, hospital administrator, or family member, or even the affected individual.
- nradov 4y agoIn the US, medical insurers are not allowed to deny coverage for chronic or genetic conditions due to the Genetic information Nondiscrimination Act of 2008 (GINA) and the Affordable Care Act of 2010 (Obamacare). Some treatments may require proof of medical necessity, or require that providers and patients try lower cost options first (step therapy). Rules for life insurers are different and in some circumstances they may deny coverage.
- CommanderData 4y agoThank you. In the UK I've been told our private insurers don't cover chronic conditions in most work group policies.
- vondur 4y agoPeople tend to react differently when the learn it's a government bureaucrat making decisions on healthcare. However, people will also howl when they find out it the decision from a cruel penny pinching CEO. These are really difficult problems. How much is too much to save a life?
- concordDance 4y agoHence the NHS calculating £30,000 per quality adjusted life year is what they can afford. If given more money then that value can go up, but the UK economy is in trouble enough as it is with the state taking half of GDP.