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Most insurance plans stop waiving costs of COVID hospitalizations

By islander
September 24, 2021 6:53 am
Category: Health
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I think this is eminently fair and reasonable. I suspect that health insurance costs will probably go up for all of us due to Covid but this will help somewhat to reduce that rise in premiums.

"Nationwide -- between June and August 2021 -- 98.6% of people hospitalized with COVID-19 were unvaccinated, resulting in $5.7 billion in preventable hospital costs, according to one KFF study.

And, those costs may soon be passed along to employees in the form of increased health care premiums.

Delta Airlines, for example, recently announced that unvaccinated workers will have to pay an extra $200 per month for health insurance.

“Some companies are coming out with a mandate that says 'if you don't get vaccinated you get fired, you lose your job.' The other companies, like Delta, have had a somewhat softer approach where they say, 'if you don't get vaccinated you can still keep your job but you have to submit to regular testing, and you also have to pay a higher premium each month for your health insurance,'” said Cox.

The average cost of a COVID hospital stay is $20,000, according to the KFF report, and the costs greatly increase if a patient is admitted to the ICU."


Cited and related links:

  1. newscentermaine.com


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Comments:

  1. by HatetheSwamp on September 24, 2021 8:05 am

    I think that this is a move in the right direction. However, I do see problems with this one size fits all approach.

    I'm aware of people aren't being vaccinated because they have had COVID and have natural immunity. Some people have medical reasons not to be vaxxed. And, there are some who claim a religious reason not to be vaxxed. I live among the Amish. A grocery store I patronize is very popular among the Amish. I've never, ever seen an Amish person wearing a mask. I imagine that they also avoid the vax.

    Still, if a person chooses not to be vaxxed, that choice, like any choice has consequences.


  2. by islander on September 24, 2021 8:39 am

    I wouldn't expect that someone with a legitimate medical reason for being unvaccinated should be treated the same as someone whose reason is unvaccinated simply a choice. Legitimate, and I stress legitimate medical reasons are miniscule though but that shouldn't be a reason to treat them the same as those who have a choice. I think most people understand the difference so I see this as a reasonable move on the part of insurance companies and employees.


  3. by Ponderer on September 24, 2021 10:19 am

    "I'm aware of people aren't being vaccinated because they have had COVID and have natural immunity." -Hate

    That's been debunked. People who had already had it are getting it again and some are even dying of it the second time. Ask my property manager's widow.

    This is very similar to how people who smoke tobacco are charged more for insurance. I think it's a good idea. And no "rights" have been violated.


  4. by HatetheSwamp on September 24, 2021 2:17 pm

    po,

    People who have been vaxxed have gotten covid.

    Duh.


  5. by Ponderer on September 24, 2021 4:03 pm

    That's not what I was responding to you talking about. Yes, people who have gotten vaxxed have gotten Covid. Duh.

    People have also gotten Covid again after having had it once already. The idea of a "natural immunity" from Covid just because one has already had it once is what I was talking about. They may have thought it was the case early on, but it isn't, as time has now told.


  6. by Curt_Anderson on September 24, 2021 5:14 pm
    A doctor friend told me this week that a patient's husband contracted COVID earlier this Summer then contracted it a SECOND time a month later and died.

    I am surmising, but the first bout of COVID may have left him immunocompromised.


  7. by islander on September 25, 2021 4:39 am
    I do not, by any means claim to be an expert in the field of immunology (although I do know something about microbiology), but from what I have been reading the natural immunity gained from surviving Covid is not quite as effective as the immunity from the vaccine. However, there seems to be some evidence that appears to show that the immune response from someone who has recovered from the virus and then gets vaccinated is actually
    slightly better than the vaccination alone.


  8. by Donna on September 25, 2021 10:31 am
    We shouldn't lose sight of the fact that 90-99% of COVID inpatients and deaths are unvaccinated people... like my brother.

    Btw, still not a word on his condition. Hopefully I'll find out more from my mom tomorrow. What has me spooked, besides him having been admitted to the hospital for several days and then having to wear a cannula for oxygen after being discharged, is that he hasn't posted on Facebook since August 28th, which is highly unusual for him, especially during football season. For years, he has had a sort of cult following for his color commentary during Ravens games. This year, nothing.


  9. by Elmer on October 6, 2021 1:26 am
    islander wrote:

    I do not, by any means claim to be an expert in the field of immunology (although I do know something about microbiology), but from what I have been reading the natural immunity gained from surviving Covid is not quite as effective as the immunity from the vaccine.


    I'd be interested in reading whatever you're referencing.

    My organization is introducing mandates, which I support. But many are talking about quitting if they can't get religious or medical exemptions. I agree that medical exemptions should be allowed, though I'm not really in favor of religious exemptions. (Side rant -- If you've already gotten a vaccine for polio, measles, etc., how can you say you have a religious objection to a Covid vaccine?)

    But one thing I don't understand is why people who have already had Covid are also required to get the vaccine. Doesn't catching Covid confer immunity similar to a vaccine? Would appreciate learning more on this point.


  10. by islander on October 6, 2021 7:08 am

    I too agree with genuine medical exemptions, and for those people, if a reasonable temporary alternative to working closely with others is possible within the organization an effort should be made to do so, such as working in a different area, working from home etc.

    I also question the validity of religious exemptions and I would be against allowing them, just as we don’t allow a parent’s religious objections to interfere with a life saving medical procedure needed to save their child’s life.

    I’ve been searching for reliable sources regarding natural immunity vs vaccine immunity and thus far have found many conflicting opinions although the majority seem to feel that the natural immunity from having had Covid is less reliable than the immunity from the vaccine. Most say that compared to the vaccine, natural immunity can be spotty ranging from very strong to virtually nil but practically all agree that natural immunity plus the vaccine assures the best protection.



  11. by Donna on October 6, 2021 7:09 am
    Kaiser Permanente suspends 2,200-plus employees who didn’t get COVID-19 vaccine by deadline

    Kaiser Permanente announced Tuesday that it had put a little more than 2,200 employees on unpaid leave nationwide because they had failed to either get the COVID-19 vaccine or to provide a religious or medical exemption.

    “This number is declining daily, and as employees respond, they may return to work,” Kaiser leaders said in a written statement. “Those not responding have until Dec. 1, 2021, to do so, to be able to return to work.” [...]

    When Kaiser announced the vaccination requirement on Aug. 2, it reported that 78% of workers were already vaccinated. As of Wednesday, company leaders said, more than 92% of employees are vaccinated. [So it's working. - Donna]




    sacbee.com


  12. by islander on October 6, 2021 7:30 am

    Donna,
    I like the idea of unpaid leave with a deadline rather than simply letting unvaccinated employees go.


  13. by Donna on October 6, 2021 7:34 am
    I do too.


  14. by Elmer on October 9, 2021 2:55 am
    Islander:

    Thanks for the info. What you've said -- people who have had covid may have some immunity, maybe not as good as vaccines -- is consistent with some of the things I've read. And it's frustrating we haven't got better information.

    Here's where I'm at. I just want to get to herd immunity. And there's a lot of resistance to vaccines. Since it is possible that people who've had Covid have some immunity, I would focus most of the efforts on vaccinating those who haven't gotten sick yet.

    And I would scrap the religious exemptions. Even the Jehovah's Witnesses say it's OK to get a shot. And as I mentioned before, if you've already gotten other vaccines (polio, measles), I can't see how you can claim a religious exemption to a covid vaccine.


  15. by Donna on October 9, 2021 9:25 am
    Just read this morning that 80% of Long Beach residents are vaccinated.




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