So let me see if I've got this straight...

[Hoyt]

116. Too many on here don't want to hear that. I agree it "should not happen," just like people

shouldn't get cancer, have heart attacks, etc.

But, even those countries with lots of experience with single payer do not cover every drug and every treatment. They exclude things that cost too much, with suspect efficacy, for which there are other alternatives even if not quite as good, etc. If you get caught in the exclusion -- as the OP apparently has -- it is awful and anger is understandable. At least ACA has a process for appeals and it is possible to change insurers without being excluded outright for pre-existing condition. But, I realize that doesn't solve all the problems.

I wish the OP would tell us what drug is involved, although I can understand why he might not want to do that. Then, we could see what other countries do, etc.

Fact is, ACA is helping a lot of people, is much better than what we had before, is a first step toward a better system, and avoided the 20 year lapse of any meaningful health care legislation (other than Medicare prescription drug coverage) that occurred after Hillarycare was defeated.

Personally, I'm OK with insurance companies taking on the risk of covering more people in the short-run. There is no way our Congress would have passed a risky Medicare-for-all at this time if the government had to shoulder the total risk. And quite truthfully, folks would still be griping if that had happened when they find that traditional Medicare is expensive; has no out-of-pocket limit; is still run by insurance companies on local level and for drugs; has drug formularies; does not cover a lot of things; etc.

In any event, I hope things workout quickly for the OP and his family.