{"id":36981,"date":"2010-12-01T01:01:01","date_gmt":"2011-05-19T00:15:36","guid":{"rendered":""},"modified":"2011-05-19T00:15:36","modified_gmt":"2011-05-19T00:15:36","slug":"stacy_the_insurance_expert_on_preexisting_conditions_and_welfare","status":"publish","type":"post","link":"https:\/\/admin.rushlimbaugh.com\/daily\/2010\/12\/01\/stacy_the_insurance_expert_on_preexisting_conditions_and_welfare\/","title":{"rendered":"Stacy the Insurance Expert on Preexisting Conditions and Welfare"},"content":{"rendered":"
\n

RUSH: To the phones we go now, we\u2019re gonna start in Fort Pierce, Florida, with Shirley. It\u2019s right up the road here. Great to have you on the program. Welcome.<\/p>\n

CALLER: Oh, thank you. It\u2019s an honor to talk with you.<\/p>\n

RUSH: Appreciate that. Thank you very much.<\/p>\n

CALLER: Thanks to a teething eight-month-old yesterday I was not able to listen to the show and my husband who is dedicated told me that you were saying that people with preexisting conditions having insurance is kind of like welfare, if I\u2019m getting that right?<\/p>\n

RUSH: Uh, well, half right. What I said was that forcing an insurance company to insure people with preexisting conditions is not insurance. It\u2019s welfare, essentially. You\u2019re asking an entity, an insurance company… What does an insurance company do? An insurance company sells you a policy to guard against risk and to help you deal with a calamity when it happens, not after it happens. I mean, you could not get an insurance company to sell you fire insurance on your home after the fire had started. When half of your house is already gone and the flames are still raging, there\u2019s no insurance company that is going to insure you for the loss of your house. They\u2019re just not. Nobody would even force them to. Nobody would even think of it. If somebody was gonna pay for your house after it get burned down and you didn\u2019t have insurance, that would be welfare: Somebody paying you for your house. I\u2019m just drawing the analogy that if somebody is healthy and doesn\u2019t have insurance, and then all of a sudden they are told that they\u2019ve got three months to live with some dread disease and then they\u2019re requiring an insurance company to provide medical care for them, that that\u2019s not insurance.<\/p>\n

CALLER: Well, what about a child born who\u2019s type 1 diabetes once they\u2019re off their parents\u2019 insurance?<\/p>\n

RUSH: Well, the same thing still holds. Wait a minute, ‘What about a child born with type 1 diabetes once they\u2019re off…?\u2019<\/p>\n

CALLER: (garbled) that develops type 1 diabetes.<\/p>\n

RUSH: Well, now, wait, wait, wait just a second. At some point, you know, I left my parents\u2019 home, too. Now, I didn\u2019t have type 1 diabetes but I did have this affliction known as needing to eat — and there was nothing written that the government was requiring my parents to feed me after I left home. That was something I had to take care of myself. So if I did have type 1 diabetes when I was born and when I left home, I would then have to go get my own insurance.<\/p>\n

CALLER: I understand that, but that\u2019s a preexisting condition.<\/p>\n

RUSH: Yes, it is a pre… No, it\u2019s… In a sense it is, but how easy is it to get insurance? What kind of insurance are you able to get for type 1 diabetes after you\u2019ve got it?<\/p>\n

CALLER: I… I… I wouldn\u2019t know. My question is, we\u2019re canceling our insurance because we pay $800 a month, and we can\u2019t pay our bills. So we\u2019re choosing to eat over our insurance, and just out of curiosity, I\u2019ve called this insurance company —<\/p>\n

RUSH: Wait. Do you have somebody in your family with type 1 diabetes? Is that the issue?<\/p>\n

CALLER: No. I\u2019m type 2 diabetic, but it\u2019s under control through diet and exercises and things like that.<\/p>\n

RUSH: Yeah?<\/p>\n

CALLER: And so I\u2019m not able to get insurance. I\u2019ve called several different insurance companies, and they\u2019re said they have nothing to offer me.<\/p>\n

RUSH: Okay, you\u2019re not able to get insurance for your type 2 diabetes?<\/p>\n

CALLER: Right. We\u2019re gonna do a personal health savings plan.<\/p>\n

RUSH: Wait a second. This is my point. (sigh) What do you want? Do you want…? What do you want somebody to pay for with your type 2 diabetes?<\/p>\n

CALLER: Well, I was just curious your views on it because we do respect your views on things and my question is for those people who do have children with type 1 diabetes, that when those children do grow up and they have to find their own insurance with the preexisting condition. <\/p>\n

RUSH: Uhhh…<\/p>\n

CALLER: My own situation got me thinking about that.<\/p>\n

RUSH: Oh, this is just a hypothetical that you\u2019re thinking about?<\/p>\n

CALLER: Yeah, \u2019cause, I mean, if it goes through and I\u2019m able to get insurance, great. If not —<\/p>\n

RUSH: Look —<\/p>\n

CALLER: — I understand my lifestyle brought that on and I\u2019m now changing my lifestyle to fix it.<\/p>\n

RUSH: I understand the difficulty here. Again, I live in Literalville, and insurance is risk management. There is no risk management if you already have a disease. We\u2019re not talking about ‘insurance.\u2019 If you want help with your medical bills for type 1 diabetes after you leave home, insurance is not what we\u2019re talking about. To make an insurance company pay for that is… You\u2019re gonna put the insurance company out of business. They can\u2019t stay in business. It\u2019s not what insurance companies do. They insure against risk. It\u2019s the management of it.<\/p>\n

BREAK TRANSCRIPT<\/p>\n

RUSH: I want to get some people who have been waiting patiently on the phone before we get there. Oh! One more thing to this nice woman who had called previously and we ran out of time. She had the example of a child with type 1 diabetes, leaves home, what then? It\u2019s a preexisting condition. Many states — this is how this is being dealt with. I imagine Florida does this. She was from Fort Pierce. I imagine Florida is one of them. Many states require, already require insurance companies to cover preexisting conditions. But the states allow them to charge much higher premiums, and that would be the case for diabetes. You\u2019re gonna pay for it one way or the other. My point is if you think of insurance for a preexisting condition as somebody else paying for your health care, that\u2019s welfare. There\u2019s no other way around it. <\/p>\n

If anybody is paying for anything of yours, it\u2019s welfare. Sorry. It\u2019s not insurance. Now, probably if you have type 1 diabetes and you leave home you can probably get insurance coverage but you\u2019re gonna pay through the nose. You\u2019re gonna pay a higher premium and you\u2019re probably gonna have very, very high deductible. That\u2019s what it\u2019s going to cost. Everything does have its cost. If it doesn\u2019t, if these companies cannot at least break even… Well, they\u2019ve gotta do more than break even or they\u2019re not gonna stay in business which, by the way, is the objective of Obamacare is to drive them out of business. The perfect scenario as far as Obama\u2019s concerned is if private sector insurance, the health insurance industry is shut down, because it can\u2019t even break even. If all you do is break even, why stay in business in the first place? <\/p>\n

BREAK TRANSCRIPT<\/p>\n

RUSH: Stacy, our insurance agent somewhere in Georgia weighing in with an update. How are you, Stace?<\/p>\n

CALLER: I\u2019m well, thanks, how are you?<\/p>\n

RUSH: Very nice, thank you.<\/p>\n

CALLER: Well, listen, I can answer the lady from Florida\u2019s question, but that\u2019s not why I called.<\/p>\n

RUSH: Well, wait a minute, let\u2019s stick there. Her question was, she doesn\u2019t like being called a welfare recipient, she wanted to know how a kid gets insurance after leaving home with an affliction known as type 1 diabetes.<\/p>\n

CALLER: Correct. And she specifically mentioned how would an 18-year-old handle that. And I can answer that question.<\/p>\n

RUSH: Go ahead, answer it.<\/p>\n

CALLER: Okay. Promise you\u2019ll let me talk about Canada? Because that\u2019s the big one.<\/p>\n

RUSH: Yeah, of course, yeah, yeah.<\/p>\n

CALLER: You\u2019re sweet. Anyway, an 18-year-old is covered up until the 19th birthday. Any dependent who is registered as a full time student in a college, vocational school, or junior college can be covered by their parents\u2019 insurance today without Obamacare up to the age of 22 —<\/p>\n

RUSH: Yeah.<\/p>\n

CALLER: — as long as they are enrolled and full time. At that point, then the, quote, unquote, child would be expected to get a job and join a health plan just like everybody else.<\/p>\n

RUSH: Right. That\u2019s where the problem comes in.<\/p>\n

CALLER: Well, no, it\u2019s not, because — and we\u2019re gonna have to split up group insurance provided by an employer versus individual coverage.<\/p>\n

RUSH: No, we\u2019re talking two different things.<\/p>\n

CALLER: Okay.<\/p>\n

RUSH: What I mean is the problem comes in when somebody has to start providing for themselves, that\u2019s the foreign concept here. ‘You mean I gotta start paying for it myself when I leave home? Oh, that\u2019s not fair.\u2019<\/p>\n

CALLER: Well, you know how kids are. <\/p>\n

RUSH: Kids? Kids? Try the president. Try the freaking Democrat population of this country!<\/p>\n

CALLER: Well, Rush, it\u2019s funny, you know, talking about the 18-year-old with type 1 diabetes, the preexisting condition plan that was one of the supposed first benefits of Obamacare —<\/p>\n

RUSH: Yeah.<\/p>\n

CALLER: — the Wall Street Journal reported and confirmed what we\u2019ve been hearing in the industry.<\/p>\n

RUSH: Yeah.<\/p>\n

CALLER: On the 5th of November that this urgently needed federal insurance plan has enrolled nationally 8,011 people.<\/p>\n

RUSH: What does that mean?<\/p>\n

CALLER: Well, they were expecting enrollment of 375,000 nationwide. They got 8,011 people to buy this coverage.<\/p>\n

RUSH: Yeah?<\/p>\n

CALLER: For the preexisting condition plan.<\/p>\n

RUSH: Yeah?<\/p>\n

CALLER: If preexisting conditions are such a freaking emergency, why is their enrollment 8,011? South Dakota has —<\/p>\n

RUSH: Oh, yeah, I see your point.<\/p>\n

CALLER: — two.<\/p>\n

RUSH: So we\u2019ve been sold a bill of goods again.<\/p>\n

CALLER: And listening to Eric Cantor, I heard that on the podcast this morning and I had to rearrange my schedule \u2019cause I just had to tell you this. Please, Mr. Cantor, go talk to the HHS, and if she won\u2019t talk to you, please go talk to the Wall Street Journal. Another thing that they instituted on September 23rd is requiring —<\/p>\n

RUSH: Wait, wait, wait, wait, wait, wait. Who is ‘they\u2019?<\/p>\n

CALLER: HHS. Sorry. Another of the Obamacare provisions —<\/p>\n

RUSH: The government, okay.<\/p>\n

CALLER: — another of those was that for individual, child-only policies, which is a small market, to be sure, they could not deny coverage for preexisting conditions for anybody under 18 who buys one of these policies.<\/p>\n

RUSH: Yeah.<\/p>\n

CALLER: Guess what? As of September 23rd, there are no more policies being written anywhere in Georgia, and I\u2019m hearing throughout the country. It\u2019s gone. That market has collapsed completely.<\/p>\n

RUSH: Are you surprised?<\/p>\n

CALLER: I\u2019m not. But here we\u2019re gonna go back to the 8,011 enrollees.<\/p>\n

RUSH: Could not deny coverage preexisting condition anybody under 18 who buys one of these policies, meaning they\u2019re not buying the policies.<\/p>\n

CALLER: It\u2019s not that they\u2019re not buying the policies. The policies aren\u2019t being written. There\u2019s no insurance company who\u2019s offering those policies anymore.<\/p>\n

RUSH: Wait. I thought Obama was mandating them to do that.<\/p>\n

CALLER: No. Obama mandated that if they offer child-only policies, that they accept everybody regardless.<\/p>\n

RUSH: Obama doesn\u2019t even know what\u2019s in this bill, he doesn\u2019t care, all he knows is it\u2019s gonna screw it all up.<\/p>\n

CALLER: The insurance companies basically told Obama and Kathleen Sebelius to take a hike, and they just quit writing \u2019em. They said we\u2019re out of the child-only insurance business. We\u2019re gone. Now, when the rest of this kicks in you\u2019re gonna see the same thing happen with the individual, the general individual, which is about 20% of the health care market. They\u2019re just gonna go away.<\/p>\n

RUSH: Why? <\/p>\n

CALLER: Nobody\u2019s gonna write that because you can\u2019t cover the costs. You\u2019re just gonna lose money out your nose.<\/p>\n

RUSH: Well, that\u2019s the design, I hate to tell you. You know it better than I do.<\/p>\n

CALLER: Well, I know, but they\u2019ve already collapsed part of the US health insurance system, and nobody\u2019s reporting it.<\/p>\n

RUSH: Well, you just did.<\/p>\n

CALLER: I mean, it\u2019s just frustrating, and listening to Mr. Cantor go on and on about the preex, you know, do you read the Wall Street Journal? It was right there. It\u2019s not the great emergency everybody thinks it is.<\/p>\n

RUSH: Well, whether it is or isn\u2019t doesn\u2019t matter. The way it polls is how it matters.<\/p>\n

CALLER: But that\u2019s where they\u2019re failing in education, Rush, you know, you keep talking that they need to be educating the public as they go along. They are so totally failing in that.<\/p>\n

RUSH: I know, \u2019cause it\u2019s easier to poll and figure out what people want and go through the motions of making \u2019em think you\u2019re gonna give it to them.<\/p>\n

CALLER: And, Rush, I hate to do this to you, sweetie, but I gotta correct you on one thing. You said that 36 states have laws on the books that mandate coverage for preexisting? <\/p>\n

RUSH: Yes. That\u2019s what a staffer told me.<\/p>\n

CALLER: Well, the staffer is mistaken. Starting in 1996, federal law requires all insurance companies for group plans, not individual, but group plans you have to accept everybody, regardless. Now, there is a waiting period for preex of a year maximum, and that\u2019s reduced based on how long you had coverage prior to enrolling.<\/p>\n

RUSH: Well, that\u2019s HIPAA, isn\u2019t it?<\/p>\n

CALLER: It is. That\u2019s the HIPAA law.<\/p>\n

RUSH: All right.<\/p>\n

CALLER: And that\u2019s been in effect since 1996. And, you know, your group, your employer-provided coverage is 80% of your insurance market.<\/p>\n

RUSH: But I was talking about high-risk pools since 1996.<\/p>\n

CALLER: Some states do have high-risk pools —<\/p>\n

RUSH: That\u2019s what I was —<\/p>\n

CALLER: — most states got out.<\/p>\n

RUSH: — saying, 36 of them, I think.<\/p>\n

CALLER: Well, most states got out of the high risk business, one, because it really wasn\u2019t needed, and two, the folks who do go into it are the folks with the catastrophic illnesses that you just can\u2019t put enough money into it.<\/p>\n

RUSH: All right, could somebody with diabetes get coverage under HIPAA?<\/p>\n

CALLER: Oh, yeah.<\/p>\n

RUSH: Well, what are we talking about here?<\/p>\n

CALLER: Well, that\u2019s why I wanted to tell the lady in Florida, you know, if you had an 18-year-old who didn\u2019t go to college, she just went to work as a secretary for some company —<\/p>\n

RUSH: Yeah?<\/p>\n

CALLER: — okay, she would go in under their group plan. If her parents covered her up until the point that she went to work, that person, that 18-year-old would have no waiting period whatsoever for coverage for her type 1 diabetes. If the parents did not have that coverage, if she went at work and had not had insurance for 12 months, the maximum amount of time she would have to wait for coverage for the diabetes is a year, but everything else, if she broke her leg, it would be covered.<\/p>\n

RUSH: Whose regulations are these? Did you guys write these yourselves or the government make you write this stuff?<\/p>\n

CALLER: This is the HIPAA. This is the government.<\/p>\n

RUSH: Okay.<\/p>\n

CALLER: This, incidentally, was a Republican Congress that did that.<\/p>\n

RUSH: Well, it\u2019s supposed provide medical care privacy, medical record privacy, but —<\/p>\n

CALLER: Oh, there\u2019s much more in there than that.<\/p>\n

RUSH: I know, but it doesn\u2019t even do that, is my point.<\/p>\n

CALLER: Oh, yeah. Well, you know, it\u2019s kind of funny, if the Pentagon\u2019s computers aren\u2019t protected, then who thinks that their health records that are now gonna be electronic are gonna be protected? I want to see that.<\/p>\n

RUSH: It\u2019s not. But, look, I want to talk about high-risk pools because I\u2019m pretty sure that more than half the states have these high-risk pools.<\/p>\n

CALLER: And they may. I mean I know where I am that it was tried and it was dropped. Like I said, there wasn\u2019t the need, and for the few enrollees that you had, the costs were through the ceiling.<\/p>\n

RUSH: Okay, so what\u2019s the difference between HIPAA and what Obamacare does? Why do we even need Obamacare, this precondition stuff, if we got HIPAA?<\/p>\n

CALLER: I think they\u2019re doing it because the public is generally ignorant of preex laws that are on the book —<\/p>\n

RUSH: It\u2019s not ignorant, it\u2019s impossible. I can\u2019t keep up with this stuff as you\u2019re telling me about it.<\/p>\n

CALLER: Oh, I\u2019m sorry.<\/p>\n

RUSH: No, no, it\u2019s not you. I\u2019m supposed to know that my kid has 12 months variance to go get coverage if my parents covered me but he didn\u2019t get covered under my parents, my grandparents were covered here under this law in 1874, if it contrives with what was written here in 2009, maybe I can get coverage for six weeks of my type 1 diabetes provided it doesn\u2019t offend a Democrat. I mean that\u2019s what all this stuff sounds like to me. What in the world just happened to walking into an insurance office and saying, ‘Look, I want to buy a policy. I got type 1 diabetes, will you cover me?\u2019 ‘Yes, here\u2019s what it\u2019s gonna cost you.\u2019 ‘Fine, I\u2019m not gonna buy, I can\u2019t afford it,\u2019 or, ‘Here\u2019s a check.\u2019 This is worse than hieroglyphics. This is worse than trying to learn a foreign language. This is like trying to learn every dialect of the Chinese lingo.<\/p>\n

CALLER: Well, Rush, that\u2019s why we gotta get the government out of it. They\u2019ve created this monstrosity.<\/p>\n

RUSH: Yeah.<\/p>\n

CALLER: And, you know, we understand it \u2019cause we have to work in it every day. And if people paid half as much attention to their health insurance as they do to NBA scores on a weekly basis they\u2019d understand it, too. It\u2019s really not that complicated.<\/p>\n

RUSH: They think they are. People are obsessed with their health care coverage. They\u2019re obsessed with it. They\u2019re more obsessed with their health care coverage than they are with getting food, for crying out loud. Their health care coverage is a daily emergency. They don\u2019t think they can get out of bed without it.<\/p>\n

CALLER: Well, Rush, I got the biggest kick out of reading that two South Dakotans signed up for Obama\u2019s wonderful preexisting condition fix, you know, the maximum number of enrollees in a state is in Pennsylvania. They have almost 2,000. But the reason for that is that they cut the prices. So for year two of Obama\u2019s great fix for preexisting conditions, DHS is doing three things: they\u2019re reducing the premium costs by 20%; they are gonna add two more tiers to the coverage and vary the premiums based on your coverage level —<\/p>\n

RUSH: This is getting even more ridiculous. Two more tiers of coverage, I\u2019m crying a river here just trying to understand what you\u2019ve said in one ten-minute phone call.<\/p>\n

CALLER: I\u2019m sorry. I\u2019m trying so hard to explain it where it makes sense.<\/p>\n

RUSH: You could explain it perfectly and, look, I\u2019m not a dumb guy. Can you imagine somebody in Rio Linda trying to keep up with all this?<\/p>\n

CALLER: (laughing) Well, Rush, you know, the SEIU who bumped off their dependent coverage, you know why they did it?<\/p>\n

RUSH: You mean for their kids?<\/p>\n

CALLER: Yeah. You know why they did it?<\/p>\n

RUSH: Yeah, they\u2019re a bunch of heartless SOBs.<\/p>\n

CALLER: Beyond the obvious.<\/p>\n

RUSH: They could have bailed out the — they coulda done any number of things that they\u2019re making us do to cover their kids but, no, their kids are gonna go without coverage.<\/p>\n

CALLER: No, they\u2019re not. They\u2019re gonna go to the preex plan because another way they\u2019re gonna spend that $5 billion that was allocated is open it up to children.<\/p>\n

RUSH: Oh.<\/p>\n

CALLER: The theory floating around the industry is that Kathleen Sebelius is gonna allow children with preexisting conditions to go to the government plan, and that\u2019s gonna entice these companies to start up again for child only.<\/p>\n

RUSH: You know what? They ought to make prisoners try to pass a course in this stuff. That would keep people out of jail. If you had to pass a course in this stuff to get out of prison, nobody would ever commit another crime.<\/p>\n

CALLER: Oh, Rush, I\u2019m sorry.<\/p>\n

RUSH: It\u2019s not you. Look, I gotta take a break here \u2019cause you wanted to talk about Canada, right? And we haven\u2019t even gotten there.<\/p>\n

CALLER: Sure.<\/p>\n

RUSH: All right, hang on. <\/p>\n

BREAK TRANSCRIPT<\/p>\n

RUSH: All right, back to Stacy. All right, I got two minutes. No, sorry, got a minute and a half. What\u2019s Canada?<\/p>\n

CALLER: Okay, Obamacare came within 5% of making the US health care system Canada\u2019s system.<\/p>\n

RUSH: Yeah?<\/p>\n

CALLER: And now the CBO on December 13th before the Senate pushed through the bill on Christmas Eve —<\/p>\n

RUSH: Yeah.<\/p>\n

CALLER: — the CBO released a memo about the medical loss ratio. Remember I told you about how much they were gonna make us pay out in claims versus what we get to spend on administration?<\/p>\n

RUSH: Yeah, I remember every penny of it.<\/p>\n

CALLER: Okay, the CBO said Harry Reid initially wanted that to be 90% of claims and 10% for admin. The CBO came back and told Harry Reid that if they did that, the CBO would assume all health insurance, private and public, to be part of the federal budget. I am going to e-mail Mr. Snerdley the link to this document, the last paragraph is where it is \u2019cause I know how you hate people reading. <\/p>\n

RUSH: Well, it\u2019s only because most people aren\u2019t highly trained professionals.<\/p>\n

CALLER: I understand.<\/p>\n

RUSH: But, look, again, this is the government telling a private business how to run itself. You know, what it can spend on profits, what it can spend on coverage. It\u2019s just asinine. It\u2019s absurd. Send it to Snerdley. I\u2019m sure he\u2019s got your e-mail address and vice-versa. Stacy, thanks much.<\/p>\n","protected":false},"excerpt":{"rendered":"

RUSH: To the phones we go now, we\u2019re gonna start in Fort Pierce, Florida, with Shirley. It\u2019s right up the road here. Great to have you on the program. Welcome. CALLER: Oh, thank you. It\u2019s an honor to talk with you. RUSH: Appreciate that. Thank you very much. CALLER: Thanks to a teething eight-month-old yesterday […]<\/p>\n","protected":false},"author":25,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","ngg_post_thumbnail":0},"categories":[],"tags":[],"yoast_head":"\nStacy the Insurance Expert on Preexisting Conditions and Welfare - The Rush Limbaugh Show<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.rushlimbaugh.com\/daily\/2010\/12\/01\/stacy_the_insurance_expert_on_preexisting_conditions_and_welfare\/\" \/>\n<meta name=\"twitter:card\" content=\"summary\" \/>\n<meta name=\"twitter:title\" content=\"Stacy the Insurance Expert on Preexisting Conditions and Welfare - The Rush Limbaugh Show\" \/>\n<meta name=\"twitter:description\" content=\"RUSH: To the phones we go now, we\u2019re gonna start in Fort Pierce, Florida, with Shirley. It\u2019s right up the road here. Great to have you on the program. Welcome. CALLER: Oh, thank you. It\u2019s an honor to talk with you. RUSH: Appreciate that. Thank you very much. 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