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Coverage of pre-existing conditions isn't always covered. It's another Obama lie.
I developed a condition half-way through the year, and my insurance company has no specialists in-network. Because of Obamacare, the out-of-network deductible was twice the in-network, so I was on the hook for the first $13,000. And that was separate from the $6,500 in network deductible. IOW, Obama counts me as "insured" even though I had to cover $20,000 of medical expenses and $10,000 in premiums.
I had a much better plan before OBamacare, but Ocare destroyed the private individual market. I had been laying a third in premiums with an affordable $2000 in deductibles.
Prior to the ACA, I was denied health insurance due to minor pre-existing conditions such as seeking treatment following a rape and a bladder condition that had been resolved in elementary school when I was just 22 years old. A few months later, I was diagnosed with cancer and that cost more than $500,000 for a fairly "easy", straightforward cancer to treat.
I'm sorry you had high costs due to out-of-network issues. I suspect those are nothing compared to what you would have paid if you were uninsured. And if it was that expensive with limited specialists, my guess is that you would be looking at SIGNIFICANTLY higher costs if you lost pre-existing condition coverage.
This move is disgusting with ZERO proposals for what to do for the hundreds of millions of Americans with pre-existing conditions.
Given that the preexisting mandate violates every rule of actuarial science, basic logic and common sense, repealing it along wit the rest of the tyranny called ObamaCare would simply be a move towards a slightly more logical government.
If we had to choke down on government grabbing more power via the health care industry, the way the preexisting thing should have worked is people denied coverage from a private insurer could have qualified for Mediwelfare of some sort as insurer of last resort. That way, private companies can keep being profitable according to the rules of actuarial science, and the government could provide the safety net for those who couldn't get coverage under those proper rules of risk mitigation.
But no, government took it too far as they always do and mandated the economically and mathematically absurd preexisting mandate along with community based pricing instead of individual rates and relativities according to, once again, proper actuarial science.
So yeah, chuck the whole thing. Then, if it matters, maybe someone with sense can conjure up something that provides a safety net without the accompanying epic levels of tyranny.
Well the someone won't be Trump. He's trying to dismantle expanded Medicaid which is a safety net for poor and sick people.
Prior to the ACA, I was denied health insurance due to minor pre-existing conditions such as seeking treatment following a rape and a bladder condition that had been resolved in elementary school when I was just 22 years old. A few months later, I was diagnosed with cancer and that cost more than $500,000 for a fairly "easy", straightforward cancer to treat.
I'm sorry you had high costs due to out-of-network issues. I suspect those are nothing compared to what you would have paid if you were uninsured. And if it was that expensive with limited specialists, my guess is that you would be looking at SIGNIFICANTLY higher costs if you lost pre-existing condition coverage.
This move is disgusting with ZERO proposals for what to do for the hundreds of millions of Americans with pre-existing conditions.
I am very sorry about the rape. Truly.
As far as what I paid for my out-of-network issues, it would have been the same had I been uninsured - for that is what I paid. I was treated as a "non-insurance" patient at the specialist's and paid cash. The rub, of course, is that I was also paying $800 a month for insurance, and the ONE time I really needed it, it didn't cover anything. (I also needed PT later related to the condition, and even though that was an "in-network" provider," I still had to pay in full until I reached the deductible.)
I agree we can't just push pre-X people out entirely. But Obamacare overlooked the KEY problem with medical care/insurance, and that is the inflated costs. I had a quick exam - perhaps 3 minutes - with my out-of-network specialist, and the bill came in for $480. I called the office, because I had gotten a price of $300 prior to the exam, to ask why it was higher than the quote, and I was told because I asked the doctor a couple of follow-up questions and that necessitated a higher fee. (It probably took 90 seconds for the doctor.)
The costs with Obamacare have just been astronomical for the middle class. It's worse coverage than before, and for a much higher premium.
I had a much better plan before OBamacare, but Ocare destroyed the private individual market. I had been laying a third in premiums with an affordable $2000 in deductibles.
That's weird. Destroyed? I still have insurance from the private market.
He has been trying to repeal it all along, but failed time after time. Now he is trying to by-pass the Congress and do it by other means.
He learned that trick from Obama and the DNC.
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