Comments about ‘Letter: Preventative care’

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Published: Monday, Dec. 2 2013 12:00 a.m. MST

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E Sam
Provo, UT

You are aware that many health insurance policies do NOT cover preventative care? And that, because of Obamacare, they now all must?

The Real Maverick
Orem, UT

I think we should go back to our old system of health care when billionaire insurance companies could cut poor, sick, and old people at any time for any reason. How dare poor people bother billionaire insurance companies for health care! Bah-humbug!


As I look at people who are tipping the scales, its clear they don't know what to eat. I imagine they are dying to get out of their obese body. Providing people with a personalized nutritional plan would go a long ways in helping our society get better from its unhealthy epidemic.

Hayden, ID

My current choice of private insurance allows me to have preventative healthcare already. Obamacare only increases my premiums, co-pays and deductibles and gives me far less choices in doctors and treatment options. I like my healthcare insurance and Obama promised me: "If I like it I can keep it, PERIOD"! I fear my president lied to me to get his will forced upon me!

Tyler D
Meridian, ID

And preventative care is covered under Obamacare… imagine that.

The bigger and far more relevant question (or insight if the answer is already clear) is why doesn’t our healthcare system do more to prevent disease rather than treating ailments after they become pathologies?



What insurance did you already have that you can't keep? How much did your premium, deductible, and co-pay go up? Why can't you keep your prefered doctor? It seems all the worst-case scenarios happened to you. I don't know anyone in your situation. I'd like to hear how and why this has happened.

Nothing in my situation has changed except my premium is going down $2 per month in January.

Far East USA, SC


I am fairly confident that many are finding that they are NOT getting dropped, their coverage improves and their costs are similar.

However, they would never admit it. They want it to fail; they root for it to fail. They would rather see the other side fail than the country succeed.

Partisanship now trumps country.

Irony Guy
Bountiful, Utah

I'm worried about Mountainman. His insurer is abusing him. My insurer is giving me the same services as always and dropping my premium a few dollars. I think Mountain guy ought to change insurers.


Some people were paying for products that really weren't health insurance.

For example, "Dianne Barrette, 56, appeared on CBS News for a segment about the wave of cancelations. Barrette, was upset because her $54 a month insurance plan was being canceled. She believed a new one would cost her more than $500 a month due to Obamacare. "What I have right now is what I'm happy with," she said. "I just want to know why I can't keep what I have. Why do I have to be forced into something else?"

Barrette's $54 plan wasn't even insurance. Barrette was unsure of what her plan covered. But she said it was what Blue Cross calls a "supplemental" or discount plan, which only pays $50 toward doctor's office visits and a few other out-patient services, including mammograms. What her plan doesn’t cover: hospitalization. Not at all. If she gets hit by a car, or gets cancer, she’s basically out of luck. "It's all I could afford," she told me.

With a bronze plan, she’d be paying $43 a month more, but in return, she would have true protection and access to health care."

USS Enterprise, UT

The problem is that I don't need the insurance for the preventive care, but for the emergency care. My insurance gives me 1 well check per year. It doesn't pay for anything else until I have paid $1000 towards my deductable, and then only pays 60% up to my out of pocket max. What that means is that when my children get sick, I have to pay out of pocket. What is the point of insurance that is more like a pre-paid maintenance plan? Yes some problems will be picked up early, but it does no good for a sick child at 3AM.

Phoenix, AZ

"Providing people with a personalized nutritional plan would go a long ways in helping our society get better from its unhealthy epidemic."

Under Obamacare people will not only have nutritional plans, they will be required to have and use them. And if they don't they will get on Sebelius' 'death panel' list.

"Yea, an I was promised that Iraqi had WMD and that Iraqi..."

Iraq did have WMD... Saddam Hussein used them on the Kurdish people in the north of Iraq.

"Newsflash. Politicians, including presidents say things that are not true. It is not a new thing."

Yeah, but they seldom punctuate their lies with 'PERIOD.'

Here, UT


My premiums have gone up in the double-digits every year for over a decade, and that was all BEFORE the ACA. Yours is probably just like mine, imagine that, the premiums went up once again.

LDS Liberal
Farmington, UT

Mountanman ---

My insurance premiums went from $70 per month to $500 per month for the last 12 years BEFORE the ACA.

The ACA will prevent this type of price gouging by greedy For-profit insurance providers.

Just like the power companies now need to ask for permission and provide evidence to the Government before they can hike prices, now Healthcare must do the same.

That's called "regulating",
and we need it when companies have been taking advantage of consumers.


Red Shirt,

It sounds like you (or your employer) chose the cheapest option. I probably pay more than you, but my plan pays 80 percent after I reach an annual deductible of $250 per person or $750 for the family.

You knew you were gambling on having to pay higher out-of-pocket expenses in the event of an emergency when you chose the cheapest monthly premium. That's the way insurance works.

USS Enterprise, UT

To "LDS Liberal" lets look at the promises of the ACA before it would pass. It was estimated to be a deficit reducing bill. That meant that the Government would PROFIT from it. In late 2011, it was estimated that the ACA would cost roughly $800 billion over 10 years. At the same time the CBO estimated that it would reduce the deficit by $110 billion over that same time. That means the government set it up with a 14% profit margin. Now, you say that the insurance companies are greedy, and they average 3% to 4% for their profit margins. Doesn't this mean that the government is MORE GREEDY than private companies?

Granted now, they are projecting that the ACA will add to the deficit and debt, so tell us which is worse, the government making 14% profit margins, adding to the debt, or private companies making a 4% profit margin?

Your idea of "regulating" insurance companies is what Europe called Fascism in the 1930's.

Salt Lake City, UT

Thanks...this is a good reminder. And also, the ACA requires all health plans to cover basic preventive checkups and required immunizations. (Not just on their websites, but all health insurance plans). So, it makes good sense to have a health plan and use it for these basics.

LDS Liberal
Farmington, UT

An ounce of prevention,
is worth
a pound of the cure.


"In the state-run health insurance marketplaces, the government-approved health insurance plans are divided into five tiers: platinum, gold, silver, bronze, and catastrophic. Analysts expect young adults to gravitate towards the bronze and catastrophic plans, which are the lowest-cost options.

Both the bronze and the catastrophic plans cover basic preventative health services including cholesterol tests, immunizations and screenings for depression and alcoholism (a full list is here). Both also cover, to varying degrees, all 10 categories of “essential health services”: hospitalizations, emergency services, ambulatory (outpatient care) services, some maternity and newborn care, pediatric care, vision and dental care for children, mental health and behavioral health treatment, rehabilitative and habilitative services and devices, laboratory services, and chronic care services.

There are some key differences between these two tiers, however.

For example, catastrophic plans are available to only those under age 30 or who cannot find coverage for less than 8 % of their income. Catastrophic plans are not eligible for subsidies.

The Real Maverick
Orem, UT

So what's the repub alternative?

We're all waiting.

Tort reform? Yeah, that was included in the ACA.

For the repubs who hate their insurance rates going up, GOOD! So do we! Lets all agree to get rid of insurance, shall we? Get rid of the lazy middle-man who doesn't provide any medical service.

Lets grow up and finally go to a single payer system.

Othello, WA

Nobody is getting a cheaper health insurance policy, unless they are getting SUBSIDIZED. Where do you think that subsidy money is coming from? Most libs think it comes from magic, or it just materializes out of thin air. It is just another form of a handout, and transfer of wealth, but again does NOTHING to bring down actual costs. Those of us who don't live in fairytale land, know that very few additional people are going to go to the doctor for "preventative" healthcare, that aren't already going. Who is going to provide it to them anyway. Most clinics, and healthcare providers are already at capacity. Many people now, who don't have to pay for it, don't use it.

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