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the previous insurer received premiums over the course of the coverage but avoided the payout when it was needed.
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Was the insurer receiving premiums when the person became ill in your example?
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cobra ends in month 18 of unemployment. ex-employee becomes ill in month 20
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apparently not....what's your point?
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no providor will take this person on, they don't have to.
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Of course no insurance company would do such a thing, that would be amazingly foolish...
....kind of like:
I just wrecked my car and it's going to cost $5,000 to fix, will you pay the $5,000 if I agree to give you $500?
Any takers on this deal?
The funny thing, and this is what I was trying to get across to KG, is that people expect insurance companies to behave in a manner which would drive them out of business immediately. When the insurance companies don't behave in a wreckless and foolish manner these goofy people think this is some indication of a problem.