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Addendums to contracts are often put as footnotes with references to other documents. That has been common practice for years.
Please actually read the articles you post. Additionally, everyone knows the ACA was coming out. How do people not check it out before resigning a health insurance form? That is like blaming Verizon for not telling you that AT&T has a better alternative when you renew your cell phone contract.
Other letters completely left out the relevant information.
Interesting spin you cons are putting on this. A company lies to you and you're supposed to guess the truth.
You really shouldn't believe everything you read on the internet you know.
How cute. Another newbie/recycled poster reaching for comedian status.
Okay, I'll play. The Courier-Journal just so happens to be one of the larger newspapers that serves the Kentucky population where the state insurance regulatory board fined this particular insurer for these mis-leading practices.
As with most local papers, they exist to report, wait for it, the news.
I expect that the fact that this local paper has reported this as news, and over a month ago at that, has contributed greatly to the defensiveness apparent in your post.
If CD posts are an indication of the general population with individual policies, it's a rare insured person who understands insurance, their own state laws, let alone the ACA.
Many insurers have historically pandered to customers who assume all insurance is alike. I continued to be haunted by the 56 year old Florida woman who was happy with her soon to be former BCBS healthcare insurance policy. Did she know that her policy did not cover the ER, hospitalization or treatment? That such limited policies were legal in some states did nothing to protect consumers from their own ignorance. People don't know what they don't know.
Was she aware she qualified for a subsidy?
Media reports vary on the number of policy holders who have rec'd notices of termination. From a statistical standpoint it is insignificant, unless one happens to be impacted. When one gets under the hood the most common reasons for cancellation include the plan became effective after ACA became law in 2010, the policy contains a lifetime cap or the policy was seriously sub prime.
Young healthy men are the most uninsured demographic. They are also the most likely to be involved in a serious auto accident, engage in unprotected sex and substance abuse. Their behaviors have consequences and we all pay for it.
Follow-up to that from someone who actually did some real legwork ie. journalism:
"When I gave her a broad description of the plans available, she seemed interested.
...
Here was her response: "I would jump at it," she said. "With my age, things can happen. I don’t want to have bills that could make me bankrupt. I don’t want to lose my house.""
If CD posts are an indication of the general population with individual policies, it's a rare insured person who understands insurance, their own state laws, let alone the ACA.
Many insurers have historically pandered to customers who assume all insurance is alike. I continued to be haunted by the 56 year old Florida woman who was happy with her soon to be former BCBS healthcare insurance policy. Did she know that her policy did not cover the ER, hospitalization or treatment? That such limited policies were legal in some states did nothing to protect consumers from their own ignorance. People don't know what they don't know.
Was she aware she qualified for a subsidy?
Media reports vary on the number of policy holders who have rec'd notices of termination. From a statistical standpoint it is insignificant, unless one happens to be impacted. When one gets under the hood the most common reasons for cancellation include the plan became effective after ACA became law in 2010, the policy contains a lifetime cap or the policy was seriously sub prime.
Young healthy men are the most uninsured demographic. They are also the most likely to be involved in a serious auto accident, engage in unprotected sex and substance abuse. Their behaviors have consequences and we all pay for it.
It's not hard to figure out what's covered on an insurance policy and what is not- even online, and it's been my experience that insurance agents go through this coverage with potential customers. While there have been barebones policies out there, ie, which include only catastrophic coverage, perhaps one or two doctor's visits a year, it's the right of folks to determine their own coverage and level of healthcare. To assume that any pre-Obamacare insurance coverage is inadequate, or that anyone who had any of these policies is ignorant, and must be saved from the follies of their own judgement, is just pure socialism at best. As is the ultimate goal of Obamacare.
Amid the reports of polices being cancelled and replaced with higher priced ones - many here have been saying "but she/he didn't check the exchange or apply the tax credits".
It appears now that much of this is a insurance company scam. Lock customers into higher premium policies before they look into better polices on the exchange.
"Across the country, insurance companies have sent misleading letters to consumers, trying to lock them into the companies' own, sometimes more expensive health insurance plans rather than let them shop for insurance and tax credits on the Obamacare marketplaces -- which could lead to people like Donna spending thousands more for insurance than the law intended. In some cases, mentions of the marketplace in those letters are relegated to a mere footnote, which can be easily overlooked.
The extreme lengths to which some insurance companies are going to hold on to existing customers at higher price, as the Affordable Care Act fundamentally re-orders the individual insurance market, has caught the attention of state insurance regulators."
Reality is happening outside this website and your propagandizing right now. It's happening all the time and the reality is that millions of Americans are getting and will continue to get hurt by Obamacare. I say the repercussions are not good for the Democrats, liberals and their wet dream of turning this country into some kind of lefist utopia. If you disagree with me fine but please do me a favor and hold the links. If I suddenly develop a hankering for leftist propaganda I know exactly where to find it. I don't need your assistance.
Just curious. Where was the GOP all these years that people were getting screwed by health insurance companies? Suddenly the GOP and right-wingers seem to be so concerned about the cost and out-of-pocket of health insurance that I wonder if they just woke up from a coma.
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