‘Trumpcare’ claim an overreach

Democrats savaged the Republican legislation, pushed by President Donald Trump and House Speaker Paul Ryan, that would replace Obamacare.

“Under ‘Trumpcare,’ ” U.S. Rep. Gwen Moore of Milwaukee declared in a news release last Thursday, “being a victim of domestic violence or sexual assault could be considered pre-existing conditions.”

The claim by Moore, who has talked publicly about being a victim of domestic violence and sexual assault herself, cuts to one of the big fears around health care — that having something considered a pre-existing condition means a person has to pay more for insurance, or could be denied coverage altogether.

Typically, this refers to things such as diabetes or cancer.

But sexual assault or domestic violence?

Obamacare vs. ‘Trumpcare’

The Affordable Care Act (Obamacare) is the 2010 legislation adopted under President Barack Obama. It prohibits insurance companies from denying coverage — or charging higher premiums — because a person has a pre-existing medical condition.

Under the American Health Care Act (sometimes called “Trumpcare”), insurers would still be prohibited from denying coverage based on a pre-existing condition. The bill was narrowly approved by the House of Representatives and could be changed in the Senate.

But in its current form, the bill would give states the option to allow insurers to charge people with pre-existing conditions higher prices.

Republicans argue those people would be protected, because those states would have to set up high-risk pools to insure people with pre-existing conditions. But many analysts believe the law would still leave those people more vulnerable to cost increases that could make their plans unaffordable.

(The day after the House passed the bill, Gov. Scott Walker said he would consider allowing insurers to charge higher prices. But later that day — in an indication of how politically touchy the issue is — he backed away from that comment after it drew criticism.)

Pre-existing conditions

Bloggers claimed that under the GOP bill, sexual assault is a pre-existing condition, which PolitiFact National rated Mostly False. PolitiFact National spelled out what would happen under the GOP bill regarding sexual assault, and experts told us that the same would apply to domestic violence. In a nutshell:

The bill does not single out any specific medical event or diagnosis as a pre-existing condition.

Conditions stemming from a sexual assault or domestic violence, such as post-traumatic stress disorder or certain sexually transmitted diseases, could be judged to be a pre-existing condition.

States would have the option to allow insurers to charge higher prices to people with an existing condition, possibly making coverage unaffordable.