Please register to participate in our discussions with 2 million other members - it's free and quick! Some forums can only be seen by registered members. After you create your account, you'll be able to customize options and access all our 15,000 new posts/day with fewer ads.
If you read the article, the patient states that he's losing good coverage now with United Health Care PPO has decided to pull out of the individual insurance market in CA, in response to the demands of Obamacare and his choice of new coverage which would allow him to keep his doctors and healthcare providers is a PPO plan with another insurance company with premium rates and out of pocket expenses that would bankrupt him. His only other choice is to find another insurance company with rates and expenses he finds more affordable but does not cover his current doctors or healthcare facilities, and limits where he can go for his care.
The point is, this patient HAD good coverage which took care of his many healthcare needs until Obamacare came along.....
Less for more, in this guy's case. And we have family members in the same boat.
Obamacare has nothing to do with it. CA subsidizes Anthem Blue Cross and Blue Shield of California by not taxing them the same way the other companies are.
"One of the factors I believe contributed to this decision, even if the two companies are disinclined to acknowledge it, is the special tax break that California law gives to Anthem Blue Cross and Blue Shield, which has allowed and continues to allow those two companies to avoid paying $100 million in state taxes a year," added Commissioner Jones. "Aetna and United Healthcare don't get the special tax break provided to Anthem Blue Cross and Blue Shield, and so they faced a major competitive disadvantage in California."
There is nothing quetionable about, kids under 26 can be included in family plans. But Obamacare does far more than just that. Lifetime limits, cancellations, adds preventive care and my favorite, one that no one talks about much but if you have insurance you know can matter greatly: stops the deception associated with "maximum out of pocket". Anyone who has insurance knows how this has worked. You pay your deductible or meet your so-called out of pocket and you still get hit for "co-pays", that 50 bucks when you go to see your specialist for a chronic condition, or the fee for the emergency room, or worst of all, your prescription copays. Under Obamacare ALL costs, copays for doctors office, copays for MRIs and PET scans, copays for treatments, co-insurance, deductibles, medical equipment, prescriptions, everything except for the premium is counted in the maximum out of pocket. It can amount to thousands for someone who has a chronic condition. On plans that come out after 1/1/14 maximum out of pocket actually means maximum out of pocket. When you hit the limit, you are done for that year. You will not pay another nickel for any covered service.
and that is how medicare works as well as many group policies: I think most of us realize what is and isn't good about his plan. You might think kids up to 26 belong on mom and dads plan, I happen to think they do not unless they are in school. This is simply a matter of opinion, neither or us are wrong necessarily.
Obamacare has nothing to do with it. CA subsidizes Anthem Blue Cross and Blue Shield of California by not taxing them the same way the other companies are.
"One of the factors I believe contributed to this decision, even if the two companies are disinclined to acknowledge it, is the special tax break that California law gives to Anthem Blue Cross and Blue Shield, which has allowed and continues to allow those two companies to avoid paying $100 million in state taxes a year," added Commissioner Jones. "Aetna and United Healthcare don't get the special tax break provided to Anthem Blue Cross and Blue Shield, and so they faced a major competitive disadvantage in California."
I asked this before, did those special tax breaks just start, this year? Doubtful....
And if your doctor died are you going to sit at his grave waiting on some form of communication in order to get another prescription?
Or you move or the doctor moves, you making the 1000 mile trip for an appointment?
Or your doctor retires. What then? Or switches to another insurance plan or takes another job?
Or you are dropped from the junk insurance plan that you had and you have to look for other coverage in plans that your previous doctor hadn't joined?
Her "junk insurance" paid $1.2 million to keep her alive. That's hardly junk insurance.
My daughter has a brain tumor and has seen the same specialists since she was a baby. I can't imagine the emotional impact of having to change from the specialists we have seen for more than 10 years because of some poorly though out law. Not to mention the possible health consequences of someone who wasn't as familiar with her history and treatment plan.
I'm praying we are not one of the private insurance customers who gets thrown off next year when the employer mandate starts.
It's like those individual plans that Obama and other democrats are pointing to.
Well, unless obama and those dems know exactly what is in each plan, and what each individual considers "junk" then maybe you are correct...however, knowing this would also mean they know the individuals health issues (HIPPA) violation....
Her "junk insurance" paid $1.2 million to keep her alive. That's hardly junk insurance.
My daughter has a brain tumor and has seen the same specialists since she was a baby. I can't imagine the emotional impact of having to change from the specialists we have seen for more than 10 years because of some poorly though out law. Not to mention the possible health consequences of someone who wasn't as familiar with her history and treatment plan.
I'm praying we are not one of the private insurance customers who gets thrown off next year when the employer mandate starts.
My daughter had her tumor taken out last year and I am one of those that got cancelled. Desperately trying to find a policy where she can go to all of her providers. It's SO important, as you know. Her tumor was extremely rare and there are literally only a handful of doctors in the country that could take on her care. So far, the pickings are very, very slim and I can't find a policy where I can go to all of her providers. Either way, I'm looking at around a $400+ per month increase in premium cost. I would even be happy with a high deductible plan, since I do have the means to pay, if it covered her doctors. No dice there either.
While the increased cost is an issue, for me, the worst part is the extremely narrow networks Obamacare has caused. The reimbursement rates, as dictated by Obamacare, is what's causing this.
Her "junk insurance" paid $1.2 million to keep her alive. That's hardly junk insurance.
My daughter has a brain tumor and has seen the same specialists since she was a baby. I can't imagine the emotional impact of having to change from the specialists we have seen for more than 10 years because of some poorly though out law. Not to mention the possible health consequences of someone who wasn't as familiar with her history and treatment plan.
I'm praying we are not one of the private insurance customers who gets thrown off next year when the employer mandate starts.
You don't have to go with ACA. Get a health insurance policy and bypass ACA if you wish.
You might. Ask the insurance company why they didn't grandfather the policy. They did have that choice.
Please register to post and access all features of our very popular forum. It is free and quick. Over $68,000 in prizes has already been given out to active posters on our forum. Additional giveaways are planned.
Detailed information about all U.S. cities, counties, and zip codes on our site: City-data.com.
Please register to participate in our discussions with 2 million other members - it's free and quick! Some forums can only be seen by registered members. After you create your account, you'll be able to customize options and access all our 15,000 new posts/day with fewer ads.
