Obamacare / Affordable Care Act : classic or dud?

tried to sign up for same ACA plan i had last year in December; thought i did

failed to notice "Premier" dangling from plan name as NY State phoneguy walked me thru process

new member card shows deductible $3000 higher than 2019

pray i can get this changed

(that added cost is more than a month's takehome pay)

Health insurance in this country, on balance, can die in a fire

I get that insurance co's are seen as unnecessary middlemen who live to deny claims & I'm for single payer, but hospital and pharma companies LOVE having them around as whipping boy. Insurance companies have to have their premiums approved by govt, and legally must pay out 85 cents of every dollar they receive to members' claims. Meanwhile hospitals can charge $60 for an aspirin and pharma can charge whatever they want for life-sustaining medications. Insurers respond to prices set by those 2 groups.

Don't forget the massive doctor salaries propped up by absurd protectionist policies

But yeah

and that the Catholic church keeps buying up hospitals and clinics in the US to add to their portfolio.

xpost Drs often get their own absurdly high insurance to pay.

Lol first time I've seen the Catholic church blamed for insane healthcare costs in the USA

I mean Catholic hospitals are a menace to society regardless

they are the largest owner of private healthcare in the US and have been heavily involved in m&a in the last decade. In some rural areas they are the only game in town and can deny you for care based on whatever their faith says. I mean this is a crude summary but there has been a lot written about this.

Fair enough, thanks for clarifying

they own a lot of hospitals all over the world but at least in the US their work is not "charitable". They are as capitalist as everyone else.

Yeah the mindset that health care should lean more towards charity than profiteering has gone out the window in last few decades. Everyone from aspiring doctors to religious orgs like Catholic "charities" view it as ticket to $$$$$$. There are obv many great, caring docs that got into the profession to help ppl, but there are also a shit ton of ppl who picked it because doctor=$$$$. Anecdote alert: my sister is office mgr for OBGYN grp, and out of 20 OBGYN docs only 1 or 2 strike her as truly caring about their patients. The rest are in it for the cash.

When I was younger I ran across a couple of OBGYNs that would not prescribe birth control. It didn't even occur to me to ask before my appt because I was like "HOW IS THIS A THING???"

one of those shockingly old thing I learned today is about how Mother Theresa was kind of terrible and likely has all her hoarded billions still stored in the Vatican.

a family member worked at a USA catholic hospital where anyone who couldn’t pay had their costs paid for by the church. menace to your neoliberal society!

back to obamacare, but I used it for 2 years? and I chose a empire blue cross plan because my gyno of 10 years accepted it. When I went to make an appt I learned they didn't accept the obamacare version of blue cross. No one in the office knew why. I called their billing and they were just like "it was too difficult" to deal with.

insurance is a fuckin scam

'tis

abolishing it (the mersh version) wd improve our moral fiber

it should be illegal to get a bill months later for services that have already been rendered because insurance whimsically chooses to later deny something.

I changed the problem described earlier by selecting the plan I originally wanted, effective Feb 1. However nothing I spend this month (and there's plenty) will count toward the new deductible. So I suspect I will lose about a grand instead of three (unless I get a goddamn benefits job by mid-year). I'd do the math but it's too depressing.

can avoid those charges by getting stuff pre-approved

it could be something as dumb as your doc office coding something the wrong way causing claim to be denied, but see it's really fun to just blame insurance co's for everything wrong with our fucked up system

example of backasswards way we do things:
I'm advised to have colonoscopies every few years due to Crohn's. If I do, it's coded as "preventative" and isn't covered by insurance. So one might choose to forego regular screenings. Then, things that can be addressed at early stages progress, and now I'm needing to get admitted to a hospital, which will most likely order a colonoscopy anyway except now it's coded as "diagnostic" and is covered by insurance. But obv now the ins co has to pay out $$$ for my hospitalization, in addition to the diagnostic colonoscopy! And I'm in poorer health. Lose-lose situation.