Author Topic: Some Americans will gain health care coverage under the Affordable Care Act, while others will lose their current plans and still more don't know yet.  (Read 444 times)

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Offline Rapunzel

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http://news.msn.com/us/obamas-health-law-finally-gets-real-for-america

Some Americans will gain health care coverage under the Affordable Care Act, while others will lose their current plans and still more don't know yet.

WASHINGTON — Now is when Americans start figuring out that President Barack Obama's health care law goes beyond political talk, and really does affect them and people they know.

With a cranky federal website complicating access to new coverage and some consumers being notified their existing plans are going away, the potential for winners and losers is creating anxiety and confusion.

"I've had questions like, 'Are they going to put me in jail if I don't buy insurance? Because nobody will sell it to me,'" said Bonnie Burns, a longtime community-level insurance counselor from California. "We have family members who are violently opposed to 'Obamacare' and they are on Medicaid — they don't understand that they're already covered by taxpayer benefits.

"And then there is a young man with lupus who would have never been insurable," Burns continued. "He is on his parents' plan and he'll be able to buy his own coverage. They are very relieved."

A poll just out from the nonpartisan Kaiser Family Foundation documents shifts in the country in the month since insurance sign-ups began.

Fifty-five percent now say they have enough information to understand the law's impact on their family, up 8 percentage points in just one month. Part of the reason is that advertising about how to get coverage is beginning to register.

"The law is getting more and more real for people," said Drew Altman, the foundation's president. "A lot of this will turn on whether there's a perception that there have been more winners than losers. ... It's not whether an expert thinks something is a better insurance policy, it's whether people perceive it that way."

A look at three groups impacted by the law's rollout:

LOSING CURRENT PLAN

The Obama administration insists nobody will lose coverage as a result of cancellation notices going out to millions of people. At least 3.5 million Americans have been issued cancellations, but the exact number is unclear. Associated Press checks find that data is unavailable in a half the states.

Mainly they are people who buy directly from an insurer, instead of having workplace coverage. Officials say these consumers aren't getting "canceled" but "transitioned" or "migrated" to better plans because their current coverage doesn't meet minimum standards. They won't have to go uninsured, and some could save a lot if they qualify for the law's tax credits.

Speaking in Boston's historic Faneuil Hall this past week, Obama said the problem is limited to fewer than 5 percent of Americans "who've got cut-rate plans that don't offer real financial protection in the event of a serious illness or an accident."

But in a country of more than 300 million, 5 percent is a big number — about 15 million people. Among them are Ian and Sara Hodge of Lancaster, Pa., in their early 60s and paying $1,041 a month for a policy.


After insurer Highmark, Inc., sent the Hodges a cancellation notice, the cheapest rate they say they've been able to find is $1,400 for a comparable plan. Ian is worried they may not qualify for tax credits, and doesn't trust that the federal website is secure enough to enter personal financial information in order to find out.

"We feel like we're being punished for doing the right thing," he said.

Their policy may not have met the government's standards, "but it certainly met our minimum standards," Hodge added.

"The main thing that upsets us is the president ... said over and over and over again: If you like your health plan, you will be able to keep your health plan, guaranteed."

There's a chance the number of people getting unwanted terminations may grow. In 2015, the law's requirement that larger companies provide health insurance will take effect. It's expected that a small share of firms will drop coverage, deciding that it's cheaper to pay fines imposed under the law.

GAINING COVERAGE

Before the law's online health care markets launched Oct. 1, the administration estimated that nearly 500,000 people would enroll for subsidized private insurance within the first month. Despite high consumer interest, a computer system beset by gremlins has kept most from doing so.

The administration refuses to release enrollment numbers until mid-November, when a crash program of computer fixes may be showing results. The numbers are expected to be disappointingly low; officials acknowledge as much.

A different prong of Obama's coverage expansion seems to be doing fairly well. It's an expanded version of Medicaid, embraced so far by 25 states and the District of Columbia. An informal survey of 14 of those states by The Associated Press shows that at least 240,000 people had enrolled in or applied for the expanded safety-net program as of the third week of October.

Private coverage is what interests Cecilia Fontenot of Houston, a part-time accountant in her early 60s. She has diabetes, high blood pressure and high cholesterol. Though she manages well, she has been unable to find affordable insurance. Under Obama's law, insurers will not be able to turn away people with medical problems or charge them more.

Fontenot gave up on HealthCare.gov and instead applied through a call center on Oct. 19.

"They said it may take a while because so many people had called in," Fontenot explained. "I'm a very patient person, and I'm looking forward to getting that insurance."

She wants a plan that covers a better diabetes drug than the one she can afford now by paying out of pocket. Her doctor has also recommended a high-tech imaging test for a breast lump.

WONDERING WHETHER COVERAGE WILL CHANGE

Americans are still divided over the Affordable Care Act, with negative views outweighing positives. But they also lean against repealing it. The final judgment may be in the hands of people who now have employer-provided health insurance. They're about half the population, and they've noted Obama's assurances that their coverage won't be disrupted.

Up to now, the changes for employer plans have been incremental. They tend to expand benefits, not take things away.

For example, young adults can stay on a parent's coverage until they turn 26. Employers cover women's birth control as a preventive service, free of charge. Screening tests such as colonoscopies are also free.

But cost control provisions, mainly a tax on expensive insurance plans that starts in 2018, are converging with the long-standing push by employers to tame health costs. Some companies have raised deductibles and copayments for employees, saying they need to scale back to avoid tangling with the coming tax. Others are giving employees a fixed amount of money to shop in private health insurance markets that resemble those created by the law.

Expect cutbacks to be blamed on the law. Sorting out whether that's warranted may be difficult.

"What the Affordable Care Act did was give companies a very convenient excuse to say 'Oh, gosh, we really have to get serious about insurance costs,'" said Paul Keckley, an independent health benefits consultant. "I think there's a bit of a bob and weave. The ACA was a convenient excuse for doing what (corporate) human resources departments have been calculating to do for years."
“The time is now near at hand which must probably determine, whether Americans are to be, Freemen, or Slaves.” G Washington July 2, 1776

Offline Rapunzel

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Under Obama's law, insurers will not be able to turn away people with medical problems or charge them more.

and people are wondering why the costs for healthy people is skyrocketing. They don't realize they are footing the cost of people who were in high risk polls before OCare.
“The time is now near at hand which must probably determine, whether Americans are to be, Freemen, or Slaves.” G Washington July 2, 1776

Offline happyg

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Under Obama's law, insurers will not be able to turn away people with medical problems or charge them more.

and people are wondering why the costs for healthy people is skyrocketing. They don't realize they are footing the cost of people who were in high risk polls before OCare.

Not to mention men paying for maternity and birth control, or those who have dentures paying for dental, and on and on. It's bullshi*t! This isn't insurance, but an entitlement for some, and a hardship for others. People have life insurance, hoping they don't die and car insurance, hoping they don't need it. Obamacare is for every ache and pain a person can conjure up. Folks would be better off just getting catastrophic care, and paying their way as they go. It would be a lot cheaper in the long run.

Online Oceander

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The devil is in the details.  The fact of the matter is that you may have "coverage" in the theoretical sense because you have a policy, but you may not have "coverage" in the practical sense - that is to say, in reality - if that policy has a deductible so high that you cannot pay for the expenses you must bear before that alleged coverage kicks in.

Many, many people are going to find themselves in that situation - as I and my family have now found ourselves - and so their Obama-mandated health insurance policies will be nothing more than political farce.  As for me, to-date the policy we paid full freight for (i.e., no "subsidies" or employer-paid premiums) covered all routine doctor's visits with no deductible and a standard copay of $50.  On that basis I could afford to pay for the monthly visit I must make to my doctor to monitor certain medications I have to take; the annual cost for those visits under the policy I am about to have taken from me was $600.  Because of - solely because of - Obamacare, the insurance company cannot legally offer me that policy anymore and must instead offer me the choice of one of two options: (1) pay $800 a month more for the same coverage, or (2) pay the same premium but for a policy with a $5,000 deductible.  With the times being what they are, I cannot afford to pay another $800 a month, so that means that I really only have one alternative if I want to have any sort of insurance coverage at all:  I have to take the policy with the $5,000 deductible.

Hey, great, the democrats say, you've got health insurance - you're covered - so what are you bitching about?  Well, the fact of the matter is that my coverage is purely academic and means nothing to me because of that deductible.  The doctor I see charges $300 per visit, all of which I will now have to pay for out of pocket if I want to see my doctor under the only insurance policy the democrats will let me have now.  That works out to $300 a month, which I also cannot afford right now - not to mention that my daughter has to see her pediatrician on a regular basis - which visits we will now have to pay for out of pocket - and my wife needs to see her doctor on a regular basis - at least twice a year (she's healthier than I am).

Basically, it boils down to this: in order to get any sort of insurance coverage at all under Obastardcare I must pay - under any policy the government will allow me to have - at least another $416.67 a month before that insurance coverage starts to do me any good at all.  I can't pay that right now, which means that for all practical purposes I can't afford any routine medical care any more - the money that we used to spend on our copays for doctor's visits - $600 a year in my case - will now have to be reserved to make sure we can pay for my daughter's visits to her pediatrician.  I will simply have to get by without seeing my doctor any more frequently than about once a year; that, of course, also means that I may have to go without the medications I need as well since I have to visit the doctor, and pay full freight for that visit, in order to get a prescription for those medications, one of which cannot be refilled without a new prescription.

So, the "promise" of health insurance coverage under Obastardcare is as illusory as Obama's supposed intelligence:  I will have health insurance under Obastardcare, I just won't have any medical care.


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