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That is really sad. People like the op are paying $1,000 per month for a plan that no one will take (rightly so, why would doctors settle for such small amounts). BCBS should be ashamed.
Again we have the 2 tiered health system under ACA. Providers don't want to accept lower reimbursement, yet insurers need to keep premiums down to try to entice individuals to purchase from them. Insurers can't deny due to preexisting conditions, so that drives up costs for all purchasing individual insurance. Exchanges' pools are full of old sick poor folks driving cost up. Remember 85% of them got subsidies for premiums.
Meanwhile employer based insurance get better rates/better networks due to better mix of folks in their pools. Cadillac tax is delayed for 2 years so little hope of businesses scrapping their plans and paying their employees to buy off exchanges to help diversify the pools to contain costs.
Death spiral premium here we come.
Only way this survives long term is if everyone is forced to buy from exchanges.
I "had" a cadillac plan before this bs. I can't blame my employer because of the tax changes but I'm feeling it too and I was set for life so it's hitting all of us.
Every medical professional we've seen in the last week (and that's been a lot since my husband's health is rather in a crisis) is convinced that the system is rigged to PRODUCE failure, so that we are "forced" to move to a single payer system.
Every medical professional we've seen in the last week (and that's been a lot since my husband's health is rather in a crisis) is convinced that the system is rigged to PRODUCE failure, so that we are "forced" to move to a single payer system.
Why would that be a bad idea?
If Medicaid were made to be the single payer system in Texas it would pay more than 10% better than BCBS. And if it were Medicare it would pay more than 40% better.
If Medicaid were made to be the single payer system in Texas it would pay more than 10% better than BCBS. And if it were Medicare it would pay more than 40% better.
I'm not going to get into the whole argument of whether our health care should or should not be government run/single payer. My point was that every medical professional we've talked to in the past few days is sick to DEATH of the ACA and insurance issues and is convinced that this whole fiasco is geared to produce failure to usher in government run/single payer healthcare.
Kathryn, so sorry to hear your husband is going through this, please keep us updated. And best of luck navigating the new system.
Thank you -the good news is that we were able to switch to the larger hospital/healthcare system in our area and get assigned a PCP that is literally 90 seconds from our house. He's been seen and referred to a specialist and has some tests coming up as well as gotten his meds changed. He's feeling a bit better but his blood pressure is still sky high (over 200/100).
If Medicaid were made to be the single payer system in Texas it would pay more than 10% better than BCBS. And if it were Medicare it would pay more than 40% better.
A single payer system?
My God no! That would mean all residents of the U.S. would be covered for all medically necessary services, including doctor, hospital, preventive, long-term care, mental health, reproductive health care, dental, vision, prescription drug and medical supply costs.
Sounds terrible. Much better to fight tooth and nail against it and get a half-arsed cockamamie chimera that you can then complain about for political points without offering any actual practicable solution for ensuring all citizens get the healthcare they need.
Ain't that the truth. Just saw a SC Rep on C-Span saying ACA was a disaster, people w/preexisting conditions were always able to "buy" insurance so that's a poor excuse for the legislation. He carefully avoided the issue of cost (the poor could never afford these premiums) or the fact that high risk pools in many states went broke, and some states dropped them entirely - or the fact that if one was poor and single - in a large number of states one couldn't qualify for Medicaid, either.
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