General Discussion
In reply to the discussion: The Bomb Buried In Obamacare Explodes Today-Hallelujah! [View all]MedicalAdmin
(4,143 posts)Does it make progress? A bit.
Does it help those who can't afford to use their insurance? No.
Does it stop insurance companies from colluding? No.
Does it control premium costs(other than your belief that the invisible hand of a dead economist will somehow correct these fundamental systemic problems)? No.
Has it helped parents with kids and with insurance and the means to pay for the extra coverage, the ability to extend that coverage to their kids? Yes. Has it helped those without those means? No.
Does it keep the premium costs of those with pre-existing conditions under control? No.
These are not SMALL problems. Can they be fixed? Yes. Would any reasonable person expect that this will happen anytime soon given gridlock in WA? Not a chance.
To clear up the confusion. I don't have insurance. I had insurance. And after my car accidents (other guys came through stop signs and went on their merry way) I lost my coverage, my job, and my health. All 3 insurance companies are still disputing that they are responsible for any coverage. It is all someone else's problem. Just this week I was finally (after 5 years) offered a settlement by one of the companies - the grand high sum of $2000. The reason I am dying is because I couldn't afford the diagnostic and medical care that I needed when I needed it.
So has there been progress. Yes. Some. I have a recent quote for health insurance just for me. the premium is $2000 a month with a 10000 deductible. Wow. Call me impressed. Even the federal pool that is available here in MN is less costly, but of course it only covers 60% of expenses and contains all sorts of deductions and exclusions and copays. I can't even afford that one and it is much cheaper at $900 per month. In short, this is useless. My choices are taking on debt and rolling the dice and leaving my family with a HUGE debt (live or die) or roll the dice and don't.
I posted a while back about not being able to afford diagnostic tests for what I suspected was a serious problem. My boss ended up donating the money for an MRI. The news was really bad. Deadly bad. It is too late for me. It is not too late for the rest of this country. Diagnostic testing without the ability to afford the follow up care is cruel.
Promise me that you will overlook my previous behavior and focus on fixing or replacing this law. No one should have leave their family this early because they can't afford care. I hope I am the last one. THat would make me happy.
Enjoy the moments of your life.