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Yup, I think you are pulling the whole story right out of your ass. That, or there is a significant piece that you, or your sister is not telling or does not understand about insurance plans.
You think "EVERY" NY metro hospital takes ACA plans, when they in fact do not. So what you think is obviously disconnected from reality.
Only one of us is pulling things out of our asses, and it isn't me.
Do people availing themselves of the ACA still have to deal with paying monthly premiums to an insurance company?
Arent those monthly payments lower due to pooling of large numbers of people looking for health insurance ?
Seems to me the insurance companies are getting many new clients, hospitals also are getting more patients.
And people who didnt qualify for insurance in the past are now paying a monthly fee for insurance coverage.
New standards have been put in place to prevent unscrupulous insurance companies from ripping off their clients
I'm not seeing a problem with this system.
Don't even give me that bull****. EVERY hospital in metro new york will take a health insurance plan from Empire BCBS. It is one of if not the largest private insurer in the New York metropolitan area.
Some of you people are grasping for straws with your fear mongering. It is so comical and the American people aren't falling for it.
Even a quick search found out that not all hospitals in NYC are taking all Obamacare plans.
Many providers say negotiations with insurers are ongoing, but here are some examples of major New York hospitals and how many insurance plans for individuals they are participating in, as of October 1:
Montefiore will be in-network for seven out of the nine insurance plans offered in the region—all except for Fidelis Care, a Catholic non-profit, and MetroPlus, the insurance arm of the city’s public hospital system.
Mt. Sinai Health System, which recently grew to include Beth Israel, St. Luke’s Roosevelt and other facilities, is in-network for six insurers.
Maimonides Medical Center, in Brooklyn, is in-network for five.
Medisys, which includes hospitals in Flushing and Jamaica, is in seven plans.
Brookdale Hospital is in four.
Northshore-LIJ, the state’s largest hospital system, has its own insurance plan – and is in-network for five others.
NYU is in-network for three insurers, Fidelis, Affinity and United.
New York-Presbyterian is in-network for United, Emblem and Aetna.
Such is the way ALL health insurance plans work. You need to stay in network. That isn't something characteristic of Obamacare. That is what our healthcare system revolves around.
You can't buy an insurance plan through the exchanges and then whine when whatever hospital you want to go to isn't in network. If there is a certain doctor or healthcare facility that you like then it is up to you to get insurance that has those providers in network. The plans through the exchanges make it very easy to see which doctors are in network and which ones are not.
When I bought my Humana plan through the exchanges I was already seeing doctors. I needed to make sure I could see doctors that were in network. That was my responsibility. You can't buy a plan without researching your personal needs first.
I'm not getting a subsidy and it's affordable for me -- about the same cost as my former policy.
We're paying $1400 a month, which to me sounds pretty reasonable for a couple in their 60s. That's only $700 a month per head, and one major event could easily go way beyond that.
I don't know how in the heck people expect to survive in this world for free.
I think your idea of affordable is different that most peoples', but congrats to you for fitting that into your budget. $1400 a month is what my family is expected to pay next year when our plan cancels, unfortunately, I don't know how we're going to swing that.
Such is the way ALL health insurance plans work. You need to stay in network. That isn't something characteristic of Obamacare. That is what our healthcare system revolves around.
You can't buy an insurance plan through the exchanges and then whine when whatever hospital you want to go to isn't in network. If there is a certain doctor or healthcare facility that you like then it is up to you to get insurance that has those providers in network. The plans through the exchanges make it very easy to see which doctors are in network and which ones are not.
When I bought my Humana plan through the exchanges I was already seeing doctors. I needed to make sure I could see doctors that were in network. That was my responsibility. You can't buy a plan without researching your personal needs first.
Your 1st rant was that all NYC hospitals accept all BC/BS policies. That was false.
The exchange plans don't have all the providers every patient had before Ocare abolished their policies. Plus, either you never knew or forget the confusion over the network lists for exchange plans.
Your 1st rant was that all NYC hospitals accept all BC/BS policies. That was false.
The exchange plans don't have all the providers every patient had before Ocare abolished their policies. Plus, either you never knew or forget the confusion over the network lists for exchange plans.
When the Dem;s are replaced and the country brings a real plan to the table. You will see how many Jump off the SS Obama Health Plan. The Gov holds all the cardswhen they say"Its Mandidtory and you will be fined"
Your 1st rant was that all NYC hospitals accept all BC/BS policies. That was false.
The exchange plans don't have all the providers every patient had before Ocare abolished their policies. Plus, either you never knew or forget the confusion over the network lists for exchange plans.
The only policies that were abolished are the policies that were crap to begin with. Catastrophe plans with tiny details in the contract and the smallest provider networks on the market.
You will find something better, and cheaper, than those scam catastrophe plans on the healthcare.gov website.
Most New York hospitals will take all insurance plans. If someone wants state of the art care at a state of the art for-profit hospital then there are few hospitals before or after obamacare that will be in network.
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I have a plan through healthcare.gov. A Human POS plan. I receive no subsidy and pay $230 a month. My deductible is $2,500
When Power changes!
