Just when you thought it was safe, after having been lulled to sleep, the nightmares are about to begin.
First up huge deductibles:When consumers finally do get onto the Healthcare.gov website, they are in for a new kind of sticker shock. Avik Roy of the Manhattan Institute has exposed the high cost of Obamacare premiums — the next price shock will be the whopping cost of the deductibles.A Chicago Tribune analysis showed that 21 of the 22 lowest-priced plans offered for Cook County residents on the Illinois exchange have annual deductibles of more than $4,000 for an individual and $8,000 for family coverage.(Deductibles are the money consumers must spend on health care before most insurance benefits kick in.)
The huge deductibles along with the hefty premiums turns what once was a health insurance plan into a self-insurance plan. When you add up the premiums you must pay, and then add in the huge deductible, plus the additional out-of-pocket expense to pay the co-pay in any given year it maybe cheaper to simply pay for your health expenses as they occur and put the premiums you would have paid into a HSA (health savings account) for future expenses. But since Obamascare is now a MANDATE and you MUST buy a policy you are being forced to part with your money to essentially get absolutely nothing in return.Why are these premiums so high, this policy design is a direct result of the law’s instructions about the percentage of average health costs that insurance must cover (60 percent for Bronze, up to 90 percent for Platinum plans).
ObamaScare #2 Will people pay?
The Congressional Budget Office expects 7 million people to enroll in health insurance through the exchanges by 2014, and it needs about 2.7 million of them to be “young healthies” who will enroll, and pay premiums that are higher than their age or health status would warrant because of the law’s regulations. Enough Americans may enroll, but will they keep up with their premiums month after month?
The first month of the new health law’s rollout reveals an unexpected pattern in several states: a crush of people applying for an expansion of Medicaid and a trickle of sign-ups for private insurance.
This early imbalance — in some places, nine out of 10 enrollees are in Medicaid — has taken some experts by surprise. I guess they really where not experts after-all if they could not have foreseen that the FREE MEDICAID plans would see an influx of sign-ups while the EXPENSIVE private-care plans would not. I personally believe that this was the plan all along, to make it as easy for people to sign-up for the FREE PLAN and as difficult and unaffordable as possible for everyone else because the end game is to get everyone under a Federally run and administered health-care plan.
Low enrollment in private insurance, meanwhile, could increase premiums as it would likely indicate that only sick people, who really need coverage, were signing up. And the experts could not foresee this? Really those of us who are not experts knew this was going to happen.
ObamaScare #3 Attracting the sickest:
Sicker Americans, with high health costs, are the ones most determined to get through the Healthcare.gov website to enroll. If they dominate enrollment, premiums will have to rise in 2015, discouraging even more young healthies from applying in the future. The industry calls this a “death spiral.”
Again couldn’t the experts predict this? I believe they did know all this and it did not matter because once again this whole nightmare is not about providing the best possibly program for the most American citizens, the current private-sector programs would not have been tampered with, what it is about is gaining control of an individuals health-care.
Thousands get health insurance cancellation notices
The main reason insurers offer is that the policies fall short of what the Affordable Care Act requires starting Jan. 1. The new policies supposedly will offer consumers better coverage, in some cases, for comparable cost — especially after the inclusion of federal subsidies for those who qualify. Now that is a big caveat, if you do not qualify for a federal subsidy (read taxpayer support) then your premiums will most likely be much higher.
So now you are not only paying for your own plan, plus those who are already on Medicaid, now you are going to be asked to help pay for your neighbors plans as well. Face it folks we are being seen as a REVENUE source and not as individual human beings with lives. We are being subjected to this tyranny.The law requires policies sold in the individual market to cover 10 “essential” benefits, such as prescription drugs, mental health treatment and maternity care, whether you need them or not. That’s right guys your policies will now have to cover your maternity care. What you say you do not need maternity care? Too bad you will have to buy it anyway.
In addition less expensive alternative plans are being outlawed.
ObamaScare #4 Less Expensive Plans Vanish
As previously stated since these “catastrophic” health plans do not contain the “required” basic coverages they are not permitted to be sold. And despite Obama’s continued claims that if you like your policy you can keep your policy, you can not.
ObamaScare #5 Families lose out:
Obamacare’s subsidies will mean that the federal tax code’s existing marriage penalty will get much bigger for certain Americans, especially older, middle-income couples. Families will have to reckon with the fact that remaining married could cost them $10,000 a year or more because single people with lower incomes qualify for bigger subsidies.
On the Obamacare health insurance exchanges, being married can cost you a lot. Get divorced (or avoid getting married, if you live togeth…
ObamaScare #6 More Jobs to be lost:
The Obama administration delayed for a year reporting requirements for the mandate that companies provide health insurance for their employees. But with those provisions coming into effect in 2015, employers will continue to restructure their businesses to stay under 50 employees and push workers under 30 hours a week to avoid the hefty fines that will be used to enforce this regulation.
Andrew Puzder, chief executive of CKE Restaurants, wrote in The Wall Street Journal that “the evidence that Obamacare is having a negative impact on hiring is unequivocal, abundant and consistent with common sense.” Job creation will continue to suffer.
ObamaScare #7 Identity Theft and Fraud will explode
Tens of thousands of “navigators,” “assisters,” and other agents are being hired, generally by nonprofit organizations, to help people apply. They will be gathering personal information, such as one’s Social Security number, address, income, employer’s name and address, children’s names and birthdates, and health habits, to find out if you qualify for Obamacare subsidies. Others are going door-to-door to get people enrolled, and there is no easy way of determining if the person at your door is legitimate. While these aides do receive some training, they’re not professionally licensed and don’t go through the background checks required of insurance agents and brokers. Even temporary census workers had to meet tougher standards.
The Obama Administration itself is warning that con artists will take advantage of confusion over the law to steal people’s identities.Beyond the potential for one-on-one fraud, security may be inadequate in the giant government “data hub.” This warehouse of detailed personal information of everyone in the exchanges will be available to people in many different government agencies. The security of that database still has not been independently tested and verified.The risks of potential identity theft are very real, and 13 attorneys general have expressed deep concerns about the security of the exchanges’ information. When this starts happening, it will generate a new wave of negative coverage of the law.
Ask HHS for information on access controls, monitoring tools, and the measures used to protect against cyberattacks Computerworld – Two R…
It’s going to be very important to accurately indicate annual income on one’s insurance application. Those who understate income, either because their situation changes or they reported inaccurate information, and therefore get a larger subsidy than they are entitled to will be required to repay the excess, possibly amounting to thousands of dollars. And since the IRS is in charge of enforcing compliance you can see how this is going to end badly for the individual
ObamaScare #9 Losing your Doctor
To keep rates from going even higher, insurance companies have limited the doctors and hospitals patients can visit.
Many insurers have opted to limit their selection of doctors in some exchange plans to keep premiums and other costs down. And they are also excluding large academic medical centers, which are often pricier because they tackle sicker patients and more complex cases.
“The sticker price will be lower if the number of options are lower,” said Joe Mondy, a spokesman with Cigna (CI, Fortune 500), which is participating in five state exchanges. “The issue is how many options can you do without?”
For example, WellPoint (WLP, Fortune 500), a Blue Cross Blue Shield insurer that offers policies in 14 states, is narrowing its networks in many markets after research showed consumers care more about the price than the provider.
In areas with a heavy concentration of doctors, WellPoint might offer Obamacare plans with only half the number of doctors available in its off-exchange plans, said Colin Drozdowski, vice president of provider engagement and contracting. But where there’s less choice, the network might be only 10% to 20% smaller.
Insurers are also restricting participants access to doctors through HMO plans that don’t offer out-of-network benefits. So patients have to stick to a certain set of physicians and hospitals or foot the full bill themselves.
ObamaScare #9 Doctor choice in Obamacare? Not so much
Many insurers have opted to limit their selection of doctors in some exchange plans to keep premiums and other costs down. And they are a…
And ObamaScare #10 Customer Service Nightmares
If they could not get the website to work can you imagine the nightmare awaiting you if you actually have a health related problem and need to contact someone ASAP?
[4:09:56 pm]: Thanks for contacting Health Insurance Marketplace Live Chat. Please wait while we connect you to someone who can help.[4:09:59 pm]: Please be patient while we’re helping other people.
[4:29:20 pm]: Please be patient while we’re helping other people.
[4:29:50 pm]: Please be patient while we’re helping other people.
[4:30:27 pm]: Welcome! You’re now connected to Health Insurance Marketplace Live Chat.Thanks for contacting us. My name is PGSTX0534. To protect your privacy, please don’t provide any personal information, like Social Security Number, or any other sensitive medical or personal information. (after you spent hours inputting all that information into the exchange website)
[4:30:51 pm]: PGSTX0534
Hello, how may I help you today?
[4:31:12 pm]: Alice
My information is not recording correctly in the summary of my application[4:32:21 pm]: PGSTX0534
Thanks for your interest in the Health Insurance Marketplace. We have a lot of visitors trying to use our website right now. That is causing some glitches for some people trying to create accounts or log in. Keep trying, and thanks for your patience. We’ll continue working to improve the site so you can get covered
[4:32:40 pm]: Alice what does that mean?
[4:32:52 pm]: Alice
It says my application is “in Progress”
[4:33:12 pm]: Alice
Does that mean it is not completed and I can continue to try to edit it?
[4:34:14 pm]: PGSTX0534
Thank you. One moment please while I look that up.
[4:36:19 pm]: PGSTX0534
The only way we can see your application is you will have to call The Health Insurance Marketplace Call Center at 1-800-318-2596. We are open 24 hours a day, 7 days a week to assist you.
[4:36:47 pm]: Alice
What does the Chat Service do then?
Alice it does nothing it only makes you feel better that you actually talked to someone. They are not concerned about you and your well being.
President Obama said that buying insurance through the exchanges would be like shopping at Amazon.com. We all know how “truthful” Obama is by now right? Instead of simply clicking a few buttons online, many people will spend hours following up with phone calls, emails, and faxes. As recently as two weeks ago, government software couldn’t reliably tell people the correct price for their insurance or their subsidies. Again all of this is by design, because the end result is the government wants as many people enrolled in a Federal Insurance plan like Medicaid so as to make it almost impossible for any future congress to end the program. This nightmare is going to have more sequels then Freddy Kruger.
The site failed to record her information correctly and she could not alter the incorrect information it’d recorded, so “Alice” went …
Thanks for visiting the ObamaScare House of Horrors. Our aim is to SCARE you to death so that we do not have to pay for your medical care. Thanks for your contribution to our campaign.
And this has been a “View From the Nest”.
But those who are waiting for the Lord will have new strength; they will get wings like eagles: running, they will not be tired, and walking, they will have no weariness. Isaiah 40:31 (BBE)
Along for the journey
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