Where else on Earth could an entity spend an estimated $500 million dollars on a website that has been a disaster and get away with it? Only in Washington, D.C. of course. That’s what your government spent on the Affordable (Health) Care Act’s (ACA) enrollment website www.healthcare.gov that was supposedly created to make enrolling in health care a breeze for Americans. According to reports across the country by people trying to enroll, the website has been anything but a breeze. The website has been riddled with glitches and errors.
I think republicans went about trying to overthrow ObamaCare the wrong way. Instead of shutting down the government in an attempt to block the controversial legislation, they should have just sat back and let the implosion happen all by itself.
But that’s not the only issues with the ACA. People are beginning to receive letters from their current providers telling of cost increases and cancelation notifications. But wait, I thought President Obama said not to fear, if you like your health insurance you get to keep it. Really? Let’s take a look at an example written by Pittsburg Tribune-Review columnist Tom Purcell below about a struggling mother that has worked hard to provide for her family.
Does Obamacare Cover Sticker Shock?
By Tom Purcell, Pittsburgh Tribune-Review columnist
Rebecca was stunned when she opened her mail last week.
Her insurance carrier, Highmark BCBS, said her health insurance premium would rise 40 percent this year and her policy would be canceled on Dec. 1, 2014.
She had purchased the policy in 2009, after her husband had passed away from lupus, which he’d contracted 10 years before. His employer’s insurance covered virtually all of the $1.1 million cost of his care during the last 66 days of his life.
With three children to raise, Rebecca knew how important it was to have good coverage. Her husband’s company covered her for three months after he died. That gave her time to buy her own coverage with Highmark — though paying the $400 monthly premium would not be easy.
She worked two or three jobs to make ends meet — jobs that allowed her to be home when her kids got home from school. She was thankful to receive $1,300 a month in widow’s benefits from Social Security, which her husband had paid into for years (she will soon lose these benefits when her youngest turns 16). Her combined income is $47,000 a year.
By scrimping and saving, she has been able to pay her mortgage and insurance, feed her kids and get the oldest two through college (thanks to several loans she is repaying).
So, she was stunned when she found out what her new insurance policy would cost.
The Highmark representative explained that her new policy had to meet all the requirements of the Affordable Care Act (ObamaCare). It would have to cover things she does not want or need — such as mental health problems, substance abuse and maternity care.
She asked the representative to help her choose a policy similar to what she had. The closest match he could find was a comprehensive PPO policy.
Her deductible would go from $1,200 to $1,500 per person, but her family deductible would increase from $2,400 to $5,000.
Her 90-percent copay would rise to 80 percent. Instead of being responsible for only 10 percent of her medical bills, after the deductible is met, she would be responsible for 20 percent. Her maximum out-of-pocket costs would soar from $2,000, after deductibles, to $12,000.
Her premium would go from $400 to $884 per month — an increase of almost $6,000 per year.
If she or one of her children were to get ill, as her husband did, her out-of-pocket costs would run about $24,000 a year.
Surely there are subsides for people in Rebecca’s position?
Not in her case.
If her three children were younger, she would be eligible for a $6,000 tax credit. But her two oldest kids have just entered the workforce and their combined income disqualifies them.
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