If you unfairly, wrongly and very publicly attack someone, shouldn't you apologize?

[pnwmom]

230. He hadn't even bothered to check the 9 other insurers because he said it would be a waste of time.

But not, according to him, because he was required to purchase on the exchange. He said it was because his "friend" told him that insurance companies outside of exchanges would reject people for having preexisting conditions. But his friend was either ignorant or lying. (Insurers outside of the exchange also can no longer charge higher rates for preexisting conditions.)

Will's post is here:

http://www.democraticunderground.com/?com=view_post&forum=1002&pid=4686037

"There are ten different health insurance companies in NH. According to the independent (family friend, ally) insurance adjuster I spoke to at length this afternoon, pursuing coverage with any of them would be a waste of time. Why? Because - according to dude - the whole "You cannot deny coverage to people with pre-existing conditions" thing only applies to insurance companies within the ACA network. You heard all that shit about "Grandfathering." Well, this is that, and all of them will turn us down because they still can.

"I am in the process of running down the facts of the matter, but family friend and ally was confident enough to basically tell us not to bother. "

_____________________________________


The ACA requires that every insurer offer a formulary that list drugs in each class; they can't decide, for example, to deny all drugs for M.S. that do the same thing. But different insurers negotiate different prices and don't all have the same drugs on their formularies, so it is definitely worthwhile for anyone buying insurance to call the insurer and see if any expensive drug they need is covered on that formulary, just as they would want to check if their doctor was on the list.

Also, the ACA -- for the first time -- gives customers both an inside and an outside appeal process, that is designed to take days, not weeks or months. And there is a process for a doctor asking for an exception to the formulary for a medication a patient needs. Will didn't seem to be aware of any of this, no thanks to his "friend" the insurance broker.

And finally, nothing you posted "proves" that I am wrong about the real problem being price-gouging by the drug companies, rather than the existence of formularies of drugs whose prices have been by the insurers, whether they be private, state, or the federal government -- ie. Medicare and Medicaid, which also use formularies. Should every insurer or government entity have to approve the cost of every medication, no matter what price the drug company decides to set? I read about a cystic fibrosis drug that the company decided to market at more than $300K a year. Should all the formularies instantly cover it? Or should we be fighting the price gouging of these hugely profitable drug companies?