No snow days here-it is getting up to 60 or so by afternoon, but it is freezing, or near freezing at night...
The only thing I really want to do
For those people who are now awake
Since Obamacare came to bite them
Is to give them a nice hard shake
The chimerical world they embraced
As seen through their rosy glasses
Never existed for the rest of us
And we didn’t ask for any passes
So let them pay the high premiums
We’ve been warning about for years-
I’m sure most of us are enjoying
All their howling and their tears...
Bsically the insurance companies have been forced to make all policies equal - all policies now cover maternity and pediatric dental. Even if you are a single male with no children - your policy covers maternity and pediatric dental.
It doesn't matter if you go to the gov site to purchase individual coverage, or go directly to Blue Cross or Aetna - you are still getting the same four plans offered to you (bronze, silver, gold, or platinum). You may not want to call it obamacare, but it is ALL obamacare.
So - you EITHER have a group plan or you are on obamacare.
Now - your group plan often does not have a deductible. You have a low copay for office visits and it pays for tests and drugs. The non-group plans have a HUGE deductible. The Bronze plan has a $6000 deductible. It covers a few office visits per year at $45 co pay and might cover some drugs, but not all. Most expenses go to your deductible first.
In order to pay for all the pre-existing conditions and pediatric dental on the individual plans, your group plans are going to skyrocket. And I just heard a few minutes ago that some group plans, in order to contain costs, are going to begin imposing a deductible too.
Eventually group plans are going to become so expensive that they will all reach that "cadillac" level and be taxed so companies will have to drop them. We will all be on the bronze/silver/gold/platinum plans eventually.
A+++ We will all suffer the consequences soon enough.