Florida Woman's Rape Called A "Pre-Existing Condition" By Insurance Companies

this hurts to hear it, iv'e got black nephews and i love them dearly and they get stopped all the time for DWB. it burns me

Lol.. I can only hope!

Same for the UK most of my friends in US refer to the NHS uk healthcare as outdated but we have the worlds most advanced cancer care units & child cancer wards going. But with no greedy insurance companies sucking up profits, but as they say "We pay for the best".

Ironically this is a health insurance agent . . . maybe she'll turn this around and be a huge voice for change.

Well since you're denying care to rape victims, I'd say you're antisocial fuckhead anyway who doesn't even deserve the label citizen.

Go on, be a good consumer like you've been constructed to be, with no accountability to the suffering of your fellow man.

How can you even consider yourself an American if you don't give a fuck about other Americans?

Boo hoo, I told you something that's true whether you believe in it or not.

Under your oblivious consumer identity, you passively accept the denied claims of rape victims because you're too whiny about taxes to care about your fellow man.

It doesn't matter that you don't like that, you don't want to change it! So what the fuck does it matter since clearly something you're willing to live with. Obviously, a rape victim getting denied her claim is less important to you than the OUTRAGE over an unhealthy person wasting ten dollars out of your yearly paycheck to ensure that his health problems don't KILL him.

God, who are you gonna bitch about next? Are coal miners and metal smelters entitled to the hazards and possible deaths of their careers? Oh, what a bunch of irresponsible jackasses!

Live in Somalia if you don't want to pay taxes, otherwise, you signed a social contract by living here buddy.

This is a civilization, not your house. You have obligations here.

Maybe getting stabbed and that being called a precondition might open your eyes up to that.

No, I'm not going to join the cult of Ayn Rand.

You DON'T take care of yourself, you DIDN'T make it on your own.

Considering the woman got a 20,000 dollar loan from her relatives that she never paid back, she's the biggest fucking hypocrite of all.

Your "argument" is not an argument at all. It's a demonstrably false statement to say you take care of yourself (you work a wage job supported by the infrastructure of civilization) and it's not an objective truth that looking for out for yourself is moral, that's your subjective opinion.

I don't want to live in a society in which a bunch of crooks con their way to the top and then call it "their right" because they're "winners." They're not even productive, they just have money.

And then they design a society like the 1870's with child labor, slave wages, murderous working conditions and 14 hour work days.

Where's the "incentive" to work in that world?

Have fun when no one wants to run the machines of your luxury.

Amen

@occhipij
then lets change the law on corporations. corporate personhood allows a corp no moral obligation and shields their members against many law suits. its horrible. to say that something is just because the system is made that way is to forget that we can change things for the better, and assumes that the system is doing us as HUMANs a service.
the system sure is killing our planet, killing species and ruining lives, at the benefit of a few stockholders in powerful positions. we should not have to sacrifice our happiness and true community wealth for contrived dollar based capital.

Please don't ask our government to do that. Just pass a bill in Congress.

Great point, our government would f*ck it up somehow

Ok, rickrome, I see what you're saying. It is, in the most basic sense, a "preexisting condition." Still is a terrible policy though..

Insurance is a group of people pooling money together to help each other cover anything if something happens we can't afford in a lump sum. The Insurance company, essentially a bank and broker, makes a profit by investing the money they are holding. Like a bank loans out money based the number of depositors it has, and the ammount of money deposited.

If I were a policy holder with this company that turned this woman down for coverage, I would take my business elsewhere. The way they reated her was a disgusting inhuman manner. ANY company that puts profits before humanity will not get my business.

The idea that PROFITS are the most important thing is EXACTLY what is wrong with the world.

I agree with both rickrome and hammywill. It's understandable that these insurance companies are just saving their asses from paying for a lifetime of psychological evaluation, but we the people or our government need to step up and not allow this to happen because its immoral and unethical, and I wouldn't want it to happen to me for sure. If National Health Care was instituted this wouldn't be happening.

I'm gonna toss in my hat and say that I pretty much am on the same page as rickrome here. Although it sounds horrible, it is logically sound and a valid and levelheaded argument.

It would be great to just be able to take your business elsewhere if you don't like what an insurance company does. However, if you are one of the fortunate folks to have a pre-existing condition (I myself have Lupus and Epilepsy, lucky me), you are trapped with a company because no one else will take you. And that means that if you're in a job you hate but need the insurance, you're stuck in that, too.

It's not just a matter of taking your business elsewhere for everyone. Its more complicated than that.

"the nature of this condition, I'm sorry to say, is prone to abuses due to the fact that "getting over it" is extremely subjective, and in a lot of cases unmeasurable."

of the insurance policies i've held in the past, there was a set amount of psychologist's appointments one could have in a year. one policy 6, another 12... after that, you pay the full amount instead of a copay. they put a limit on it. could a policy with a clear-cut limit still be abused by someone who suddenly needs to see a psychologist on a bi-weekly or even weekly basis for a few months?

I was speaking hypothetically ETIENNA...More speaking to the idea of how we should change the way we think and do business.

BIRDIEBALL: Human beings do not function strictly on logic alone. To operate a system based purely on logic is actually illogical as you are removing a piece of the equation. The human emotion aspect plays a role, and it is equally as important as the logical aspect.

No one, especially Rickyrome who states that this woman's "condition" is unmeasurable can really say shit at all. The amount of trauma to this poor woman is measurable based on a professionals opinion (therapists etc.). Based on what she is going through and how hard her day-to-day life really is would all be known by this therapist. Some people commit suicide from these traumatic experiences. Or they end up murdering some poor guy they go on a date with because some tick in their head reminds them of that night. Ever see Monster? Its a real story that all stemmed from an early childhood rape. Perfect example of someone being untreated and what the results can lead to. So when your daddy/brother/uncle gets murdered because some woman is psychotic. You'll be saying how raped woman should be imprisoned next... go do us a favor and get burtally raped to the point where you have an std, and your face and body have permanent scars reminding you everyday you look in the mirror. For all we know, you guys work for the insurance company with all this inhuman shit.

The great thing about policies is that they can be changed. This one needs to be changed.

There is no room for cold logistics within the warmth of human compassion amidst personal tragedy.

Have you been raped?

"She can be damaged psychololgical goods for years due to that one incident, and milk all sorts of services out of insurance companies"

Wow, your compassion is mindblowing! You're just like Mother Theresa, aren't you?

With that statement your admitting that insurance companies put money before (and well before) people. It doesn't matter what she went through or how much support (economic support) she might need to overcome it. What she has suffered is meaningless to them simply because it is "bad for business".

Nice ethics.

Epic fail.

Mariana: Wow, you're just realizing now that insurance companies put profits over people? The doctors are the ones who took the hippocratic oath. The insurance companies control the money used for doctors to care for those in need. It's not that the woman isn't in need, but it's the amount of intangible psychological need that this woman could seek, without any real common-sense tether telling her when she's enjoyed enough free services. You can put a price on getting over it, and it's pretty expensive, especially when everybody seems to need to get over something these days

FishaHouse: No, I haven't. But if I did, since I'm a male, I wouldn't get nearly the amount of sympathy, or coddling that female victims expect. It's a good thing insurance companies are consistent in their insensitivity. And besides, it's this "relapse into depression down the road" thing that irks insurance companies, and is quite expensive. Everybody wishes they could be reimbursed for remembering a bad day, but sometimes you just have to take what you've been given, and build from there.

I thought you were being sarcastic at first, but now I see you're serious about this. Wow.

I'm just simply stating that when you put money into an insurance company you expect them to cover you when you need help, whether its psychological or physical, i'm not saying that the insurance company can't have a pre-informed cap on the amount of money they loan you (which a lot do) but they must help you. Alot of insurance companies would back out of reimbursement over a rape like this.
But, even though morally wrong, I agree with you since she was re-filing for a new insurance company after the rape it is understandable that the insurance companies wouldn't endorse her to save their own asses. Just realize though that she does need help because rape (even if your a male being raped by a male rick) is extremely serious and will f*ck you up in the head for life no matter how strong you are, and if no other insurance company will endorse her who will? Maybe our government should show compassion and help people like this out in a National Health Care.

Gosh. The lack of humanity coming from this guy is unreal.

i agree

Um, excuse me...??? Have you ever been raped? I can tell by your pathetic, disgusting and heartless comment that you haven't. I suggest you THINK before you post such utter and complete nonsense.

oh hell no.

move on and get over it? wow, your respect towards woman is now known and don't expect to be respected by anyone, any more!

It's a bit harsh, but rickrome truly does have a point.

Trauma is only traumatic if you hold on to it.

It may not always be easy to just forget and move on, but you can't change the past. We don't use much of our brains and space and emotions cannot be wasted on useless or painful memories or experiences.

Wow! Were you trying to break a record for the most amount of responses to a stupid comment?

I think it is the term "milk" that really offends. Like rape victims enjoy going to therapy and choose not to repress a traumatic memory. Too bad this cuts into for profit insurance. If only she would realize there is a health insurance executive somewhere that will not get their bonus because she is incapable of "dealing" with this.

I know everyone has said this already. But your comment disgusts me. Get over it? I am coping with it would have been much easier if she had the proper support of healthcare facilities and insurance companies. But instead, healthcare is denied to her based on this "previous condition" which pepetuates it as a plight in her life to this day. Don't you get it? This -could- have helped her "get over it" (as you put it) but now because they will not accept her it remains a restrictive and defining force and continues to abuse her, after the fact. She can't get over if its a perpetual issue that prevents her from having a normal life.

He be troll'en yo.

I think that the attitude toward rape recovery is a little off. Rape is an awful, horrible, disgraceful thing. But rape victims are not damaged goods. Nothing was taken from them permanently. They do indeed deserve support in moving on, but it is something that DOES need to be moved on from. A rape does not have to taint a victim's life forever.

On the other hand, rickrome, you are lacking a great deal of sensitivity and humanity. Insinuating that this woman is evilly taking advantage of her "condition" is a very disrespectful and hateful thing to assume.

dude. an insensitive comment does not necessitate wishing such an evil act to happen to an individual. maybe ask the person to try and imagine being in the victim's shoes and imagine what it would be like to have to suffer such a traumatizing event, needing insurance to help you through the trauma and being denied... but calm down, seriously.

It's called sarcasm, irony, people. The man makes a good point.

I cant believe you said that

rick i was d when i was 13 in the seminary. i really wanted to be a priest but because the priest was caught in the act, i was expelled. that left me broken hearted, guilty, dirty and with a terrible secret. i did overcome this experience by realizing it wasn't personal and although i was a victim, i was the only one who was responsible for recovery.
i tell this story because you obviously have not experienced violation of this magnitude, and i hope you never do. i think my story might allow you "to walk a mile in my moccasins" because i'm a guy. rick you stepped into quicksand and the only way out is to let go and apologize. it's not your fault, that you were not violated (a little confusing here i know, but bear with me) but you really shouldn't have said that.
my earlier post was an attempt at humor to defuse the backlash i feared coming for you. it's what i do; i play the clown so nobody sees " the elephant in the living room". o.k. so i didn't do a perfect job putting myself back together, so sue me,

Well she sure won't be able to get over it without financial aid from her insurance.

When you or anyone else claim that some is enjoying "free" services from their insurance provider you are forgeting one very important detail, insurance isn't free. Its past time we stopped the insurance companies from continuing their tradition of getting something in return for nothing, or they will drop us all the minute we stop being their cash cows, and since they are immune to anti-trust laws they will get away with it too.

What does this lady expect? That she would get the treatment she deserves, perhaps?

I suppose all rape victims should just "move on and get over it"... It's not like rape is life-changing or psychologically traumatic at all.

Perhaps you should re-think your statement to one that's not so insensitive to the delicate nature of sexual assault and rape victims.

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