I’m assuming that unilateral executive bailouts are baked into the cake of Obamacare and Congress can’t stop it?
They have been reimbursing insurance companies and those reimbursements end this year, per the “law”.
Will muzzies be subject to Obamacare?
Healthcare, at least from my consumer experience, has only gotten worse in the last 8 years:
- Deductibles difficult to reach, and burdensome if we did
- Lack of consumer centric billing rules, I receive random bills at random times never really knowing what is/is not valid. No apparent rules on timing, clarity, etc.
- Price that is not favorably influenced by competition, quality of care, containment of supplier cost, or reflective of the consumer being served (there’s minimal reward for customer behaviors that result in healthy living, and seeking to minimize use of services).
- Price that drives some consumers, such as myself, to avoid seeing a Dr. simply because of the financial burden on my family (real or perceived).
- Emergency center treatment - The notion that in an emergency your first reaction must be FIND A HOSPITAL IN MY NETWORK! I’d like to think the priority is to stop the bleeding as quickly as possible, but what do I know... I’m looking at a large expense right now because of this nonsense.
- Insurance plans that promote a Dr. to do less. We’ve actually had a Dr. explain to us that since we were there for X we couldn’t discuss Y, otherwise it wouldn’t be covered. That we would have to schedule another appointment for Y or else insurance wouldn’t cover it. Seriously?!
- Inconsistency. Service provider A offers a an x-ray for $400 that is not covered. Service provider B offers an x-ray for $800 but is covered 100%. Uh-huh...
- Inconsistency. Out of network isn’t covered, but we made an exception and paid 10% to give you a usual and customary rate. Really, the usual and customary rate is exactly 10%? If not 10%, why not 35%? Is this a binary rule or not? If not, what do I have to do to make the arbitrary coverage percentage as high as possible? How does the carrier chose who it will show favoritism?
I could go on. Love the Doctors serving my family - but I absolutely hate healthcare insurance.