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Comments about ‘Consumers losing doctors with new insurance plans’

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Published: Wednesday, May 14 2014 6:47 p.m. MDT

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Interloper
Portland, OR

The woman profiled in this article would have NO insurance if it were not for the Affordable Care Act (Obamacare) covering preexisting conditions. She has at least three major conditions that insurers would have deemed unacceptable. Her response to getting affordable health care is to whine that a doctor she had previously is not available on her plan. That is rather ungrateful.

Let's be clear that a particular doctor or clinic can drop any patient at any time. The doctor can move away, go on staff at a hospital or die. It is ridiculous to make so much noise over seeing the same doctor forever.

Interloper
Portland, OR

Let me correct one of the worse falsehoods offered so far. The Affordable Care Act sets maximums on out of pocket expenses, including deductibles. Deductibles are limited to $6,350 for any plan under the ACA. Most are much less. If someone claims the deductible for an individual exceeds this amount, that person is not telling the truth.

Copacetic
Logan, UT

@ Interloper:

Only the Platinum... the most expensive tier of Obamacare offers coverage options for meaningfully less than $6k out of pocket annual deductibles. Of course the monthly premiums are much higher with those programs. Most issued policies are much closer to the $6,250 annual deductible number you mentioned for individuals. But what about for family deductibles which are almost always higher?

Sadly, that means a person needs to pay over $500 out of pocket average per month before receiving any insurance benefit whatsoever. And even once the deductible is finally met, there is still the matter of higher-than-before co-pays that must also be paid.

Then to add insult to injury, the average policy holder (nationally) is paying over 37% higher monthly premiums than before Obamacare. There isn't much to celebrate concerning Obamacare... except for the relatively small group of people who were previously considered uninsurable due to preexisting conditions.

And that is telling the truth.

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