Stop Breathin' Wrote:
rogneeb Wrote:
our daughter had a 15 minute procedure to put in ear tubes and remove her adenoids. cost: 23k. ACA, good luck fixing this bull shit.
so now you see?
I see that because of ACA (or Obamacare as you and your boys with fishhooks on their caps call it) it's more likely that a child who didn't have insurance two days ago will be more likely to be covered once all the provisions are in place. I also see that:
1. That $23,000 will not be counted against a lifetime cap on that insurance policy, because lifetime caps are eliminated by ACA.
2. Rogneeb Jr. is able to stay on her parents' health insurance until age 26 if she needs to.
3. Insurance companies are no longer permitted to drop Rogneeb Jr. just because she gets sick and needs coverage.
4. Insurance companies are no longer permitted to cover Rogneeb Jr. minus her pre-existing adenoid/adenoid-related conditions.
There's more there, and I don't think ACA goes far enough, including creating some semblance of pricing transparency in the medical field. But to throw the baby out with the bathwater is pretty lazy. Making it possible to unlink health insurance from an employer creates a lot of freedom, especially for people who have gotten sick through no fault of their own. People with pre-existing conditions (like fucking Cancer) can't work at small companies or start-ups and use their health benefits -- it will bankrupt the company. But if you know you can get insurance through another means like the exchanges, then you can work whereever you please. That's a big bonus for the individual, for the economy and society.
i agree with all of this. i was just pointing out that ACA doesnt go far enough in actually getting at the root problem - driving down cost of health services and therefore health insurance. there are a lot of "pilot programs" in the bill that may help around the edges, but we need some of the larger changes you mention above- de-coupling health insurance from employment, price transparency key among them. i didnt know and honestly didnt really care too much to shop around for the best price because it cost me the same amount - 10 dollars.