4 ms·
I don't understand the point of these articles. The first example in the story is a woman that went from more expensive minimal coverage that didn't include th
by silencio 13y ago
I don't understand the point of these articles.
The first example in the story is a woman that went from more expensive minimal coverage that didn't include the drugs she was using, to better coverage overall with no mention whatsoever as to how much she used to pay for the drugs before (which is presumably nearly full price or some sort of discount through the manufacturers which isn't cheap either).
The other examples were also of people that have apparently never changed health insurance plans or gotten prescriptions that weren't covered under their previous insurance plans. Or even actually read what their insurance covers.
I've had individual health insurance forever since both my parents and I were and are self employed business owners. Welcome to the world I lived in before Obamacare. Welcome to the world I live in now. I have wasted many days negotiating with insurance companies and doctors' offices in the past for both myself and my parents over drugs that were minimally covered. Think along the lines of $500+ worth of glaucoma prescriptions in a month that insurance only covered $5 of....yes, $5. And then a week without any prescriptions and dangerously high intraocular pressure trying to get the doctor to prescribe something cheaper when they themselves don't know how much anything costs and will just throw the whole medicine cabinet at you in hopes that something sticks. Or how I have a prescription for Adderall and every refill used to be an exercise in explaining to the pharmacist that they should call my insurance company because I already have a pre-authorization filed with them so I pay $20 instead of paying $300 every time.
My silver-level ACA insurance plan isn't the best ever and it's a bit pricey (well, so were my previous insurance plans), but I no longer stress out about losing my insurance coverage, I have a good idea as to what is covered and what isn't, and my insurance company and doctors and pharmacists do the best they can to accommodate my requests. I even keep running into _pharmacy techs_ that ask me with a priceless facial expression if I really, really, really want the specific asthma inhalers and quantity that I'm picking up because they keep experiencing sticker shock - "I can ask the pharmacist and your doctor to get you a different one" naw, they're all expensive, they were always expensive, and nothing will change it. Welcome to my world. 8)
ACA isn't perfect but it's a hell of a lot better than the state of things before and here's to better healthcare reform in the future.
- olliej 13y agoIIRC my celebrex prescription (i don't have receipts on me) costs around $800/mo pre-insurance
- happyscrappy 13y agoThe jury is still out on ACA. It relies on young people buying expensive plans instead of paying the relatively small fines. The switchover itself was undeniably a complete disaster and makes the midterms look grim for the Dems. On the plus side, at some point in the future we could have the GOP support single payer just because it would save money.
- silencio 13y agoYou're right. It also doesn't help that people keep putting out stories like the one above that make ACA sound terrible even though I'll bet that the woman in the example ends up paying less out of pocket over the course of a year than she used to. Like people expect ACA to be some magical cure for expensive and/or chronic illnesses - nope, it just makes it a little bit more bearable. Like, I still just paid $40 for an office visit and some tests/xrays and another $200 for meds this month where when I had the same problem (bronchitis+asthma exacerbation) in ~2010 I was out like $400 with samples for the same drugs (that would have doubled the cost) and that was without the hour of tests and coaching with a wonderful respiratory therapist last week (which was, I'm convinced, the only reason I wasn't totally fucked up in a bunch of different ways leading up to and during my wedding on Saturday). Your theoretical sounds hysterical and amazing if it actually happens, but I'm not holding my breath. I don't know what it will take for people to start supporting single payer but I hope it happens soon. Maybe if everyone just gets seriously sick or knows an immediate family member that is sick? Too many people seem to be in denial about the fact that we need serious reform still.
- ceejayoz 13y ago> It relies on young people buying expensive plans instead of paying the relatively small fines. IIRC, the fines are only temporarily small.