In a discussion of health care reform, the AARP magazine reported on a proposal to extend Medicare eligibility to people ages 50-64. The magazine reported that no denial of coverage for pre-existing health problems would mean greater access to affordable insurance. I’m not so sure. The idea of having insurance without denying coverage because of pre-existing conditions violates the whole idea of “insurance.”
Insurance is something someone pays to insure against a risk. A pre-existing condition is a known event, not a risk. In theory, if there were no denials for pre-existing condition, the logical thing for people to do would be to not purchase insurance until the person became ill and needed coverage. The cost of coverage would become dramatically higher.
With DrScore, we hope to enhance the quality of U.S. medical care by giving doctors feedback. There are plenty of other issues to deal with in our health system, the two greatest being giving more people access to our terrific medical care and finding a way to reduce the cost of the medical care system. Creating a system that discourages people from having insurance (by eliminating restrictions on coverage of pre-existing conditions) doesn’t seem like it will address the underlying problem.