Underinsured
By Mitch Berg
They said (with a nod to Glenn Reynolds) that if we voted for John McCain, Americans would lose their health insurance coverage.
And they were right!
All but two health insurance companies have withdrawn from offering maternity benefits.
Only a handful of companies will still write “child only” health insurance plans.
As of this date, it is almost impossible to find a rate for children’s health insurance if they are under age 19 and you are looking for coverage to be effective on 9/23/10 or later.
Some companies have either withdrawn from offering major medical business or are dropping hints they will be out of that market in 18 months or less.
That’s right – the plans that many people went to to head off crises, while paying cash or using Health Savings Accounts for routine and smaller bills, now toast.
Many have already indicated higher premiums for the 4th quarter of 2010 and later, especially on children under age 19.
Companies are starting to push limited benefit plans as “more affordable” alternatives to true major medical insurance.
Several companies have introduced new plans with stripped down benefits in an attempt to make their product look more appealing.
Drug formulary’s are changing, so the drug that is covered under your plan now may not be covered in the future.
Doctor and hospital networks are shrinking in an effort to further control costs but also has the effect of limiting access to a wide range of medical providers.
Given all this, why is Obamacare so great for the consumer?
What happened to , “If you like the plan you have now you can keep it”?
What “happened” was it got “Hope And Changed”.
Actually, what’s happening is exactly what conservatives predicted; Obamacare’s overburden is forcing private insurance out of the market, so people – mindful of the “you must be insured” mandate – will have no choice but to go to the Feds.
It’s Single Payer by Coercion, basically.
(Via Peg)
September 6th, 2010 at 8:29 am
What happened to , “If you like the plan you have now you can keep it”?
File that with “If you make under $250,000 we aren’t gonna raise your taxes one dime”. And “This will be the most transparent administration ever”. And “This is the moment when the Earth beins to heal and the oceans begin to go down”.
Barack Obama is a liar. There is no nice way to put it.
September 6th, 2010 at 10:22 am
One word:
Repeal, repeal, repeal, repeal, repeal, repeal, repeal, repeal, repeal, repeal, repeal, repeal, repeal, repeal, repeal, repeal, repeal, repeal, repeal.
September 6th, 2010 at 12:47 pm
This is what happens when people confuse “fair” with “equal.”
People with different medical conditions all had equal access to insurance, at rates determined by the actuaries to be sufficient, considering their pre-existing conditions. Apply at your favorite provider, pay the premium.
Naturally, an overweight smoker who works in a coal mine will have a different premium from a fit, non-smoker, office worker. The premium reflects the risk. That’s fair. But the results are not equal and that drives Progressives wild.
They remind me of children arguing over Easter Baskets “He’s got more jelly beans that I do, it’s not fair.”
Okay, here are more for you; you have the same number of jelly beans.
“But he’s got more Red jelly beans that I do, it’s still not fair.”
Fine, I’m taking them away. Now NOBODY has any jelly beans. Now you’re equal. Happy?
.
September 6th, 2010 at 4:54 pm
A lot buyer’s remorse going on in the USA. Let’s not get complacent over it. Lots of work left before Obama gets returned to private life.