The medical coverage on the ObamaCare exchange plans is so substandard that it will leave policyholders scratching their heads and wondering what all the fuss was about. It will not only empty their wallets – it will also supply them with a lot less health coverage than they had before. How does that old saying go – you only get what you pay for?
It is ironic then how President Obama and the ACA foot soldiers have told us how substandard everyone’s current insurance policies are. At the same time, however, they have failed to warn us that the plans offered on the federal and state exchange plans supply even less protection and have fewer treatment options available.
For example, with the three exchange plans (bronze, silver, gold and platinum) policyholders will be limited to treatment centers that are classified as “essential community providers . . . that serve predominantly low-income, medically underserved individuals.” That means policyholders may have to go to a community clinic to be treated instead of their private doctor.
Do you like your doctor? Do you like the care he gives you and how he listens to you? Has he been treating you for years and makes you feel like you have a very special relationship with him that no other doctor can supply?
Too bad. The Affordable Care Act says that he is too expensive so you should go shopping elsewhere – like where they tell you to go.
Many highly rated hospitals are choosing to opt out of ObamaCare. Many doctors are also saying that they will not accept patients covered under the federal and state exchange plans unless they pay up (in full) before being treated. That leaves the patient footing the entire bill and getting only a small percentage back.
Many people are ignoring these facts, but it will hit them hard once they have to sign up and then go visit their doctor. When they have surgery or an MRI done they may find that the hospital they visited before does not accept ObamaCare. As a result, their transportation bill to go and get treated elsewhere may be too costly and time-consuming for the treatment itself.
Most of the insurers on the exchanges are Medicaid healthcare suppliers. The policies they offer are substandard at best and offer only the minimal amount of coverage mandated by law. The insurance companies know this and are taking full advantage. They know that most policyholders will buy the cheapest plans offered and hope for the best. For them, that results in high purchase volume but low payouts.
It is a good deal for them, but a bad deal for policyholders.
Need a Cesarean? Good luck. Health Secretary and healthcare.gov Website administrator – extraordinaire, Kathleen Sebelius, has total control over what services are approved and how much your doctor and the hospital is paid. We do not need a crystal ball to see in advance how that scenario will end. ObamaCare is a business run by the federal government. Like any other business they will be looking to cut their costs as much as possible.
Need heart surgery? Good luck. Kathleen Sebelius may decide that you have not suffered enough, and that it is cheaper for the government to let you suffer some more.
What the Affordable Care Act has done is to supply minimal health coverage to people who could not afford it in the past, or who have been denied coverage for pre-existing conditions. That does not necessarily mean that it is supplying those people – and the rest of us – with good quality health insurance. It has been designed to change a number – which is the percentage of the amount of people in America who are currently uninsured.
Six months from now it may all look good on paper and the latest ABC news poll, but it will surely wreak havoc on this country’s entire healthcare system. Great quality healthcare will become a thing of the past and be available to only a small percentage of the population – which will be mainly the wealthy.
© Joseph E. Rathjen – All Rights Reserved – 2013