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View Diary: Woman in debunked Obamacare horror story finally speaks ... to Fox News (232 comments)

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  •  I'm a Dem, and is this all you see about the ACA? (0+ / 0-)

    What you are not saying is that maybe her old premium was $1100. a month and now she has a guarantee with BCBS and pays $573. a month.  What good is that if she  has no copays and probably has to pay $4000-6000 a year or more as a deductible before her insurance pays a thing?
    From what I see from my children who have to sign up for Obamacare, it isn't good for a thing unless you have a hospital bill (and how often is that and you still have that ridiculous high deductible you must pay).  In a regular year with Obamacare, you have to pay a high premium and pay for every bit of your health bills until you reach an unreachable deductible!!!!   Certainly not AFFORDABLE.   The Repubs have no answer, but we all have really had the screws put to us with Obamacare.
    Talk to somebody who had to purchase it!!!

    •  Let's look at the math... (3+ / 0-)
      Recommended by:
      Sandika, drdarkeny, smileycreek

      What you're stating doesn't add up:

      A patient with leukemia has a total annual out-of-pocket of ~$6000 and that's a rip-off? Her premiums - if she had NO OOP on her previous plan, which I seriously doubt - would have been the same as her present premiums + OOP, so AT WORST CASE she comes out even. I doubt this is the case given that her previous plan was dropped due to non-compliance with the ACA!

      Let's look at "your" case - let's say an otherwise normal, healthy American:

      Your premiums are lower, but you must meet higher OOP expenses... insurance wasn't designed to make your medical bills zero - they are insulating you from bankruptcy or financial difficulty IF you get sick.

      In the VAST majority of cases, I have no doubt the costs of the pre-ACA plan would, on a point to point basis, be significantly more expensive.

      •  I have no doubt the costs of the pre-ACA (2+ / 0-)
        Recommended by:
        drdarkeny, TiredOfIgnorance

        would, on a point to point basis, be significantly more expensive.

        You are right TiredofIgnorance, I have a previous post here of what my husband and I paid with GOOD insurance for our chemo treatments (we are both survivors). Between the two of us, we paid just shy of 60K for our treatments. What is amazing is she never once says what she paid out of pocket before ACA.

      •  Good points. (1+ / 0-)
        Recommended by:

        Insurance wasn't designed to make your medical bills zero. It's so you don't go bankrupt or lose your house if you're unfortunate enough to fall seriously ill...which could happen to anyone at any time.

        Welcome from the DK Partners & Mentors Team. If you have any questions about how to participate here, you can learn more at the Knowledge Base or from the New Diarists Resources Diaries. Diaries labeled "Open Thread" are also great places to ask. We look forward to your contributions.

        Rick Perry doesn't think there should be a minimum wage
        and Ted Nugent doesn't think there should be a minimum age. Merica
        ---> @LOLGOP

        by smileycreek on Wed Feb 26, 2014 at 10:44:30 AM PST

        [ Parent ]

    •  That's how insurance works... (3+ / 0-)
      Recommended by:
      twocrows1023, Sandika, drdarkeny

      LauraCot, you must know that there are several choices on deductibles under the various ACA plans. So, despite Faux News implying that ALL plans under the ACA have a high deductible, that isn't the case. Also, the purpose of insurance is to provide coverage against the HUGE expenses that would be incurred in the event of an accident or serious illness. Insurance is not efficient for small medical bills, it isn't meant for that purpose.

      And, yes, I have talked to people who "had" to purchase health coverage under ACA, and they are thrilled that they are no longer locked out of the marketplace.

    •  affordable? (1+ / 0-)
      Recommended by:

      My son (who smokes unfortunately) signed up for a policy with the ACA and he is THRILLED with it.  It is half the cost of his former insurance, and like most of the ACA plans, it covers those basic wellness visits you do if you don't have a major illness.  I don't know exactly what his deductible is, but he doesn't seem to think it's a problem.

      Your point about deductibles is valid, but insurance had those same kinds of deductibles---and no caps on them---before the ACA, so I don't see why you are so upset.

    •  Obamacare, it isn't good for a thing (1+ / 0-)
      Recommended by:

      Not true!! There are many plans out there and yes the top plans are more expensive, but the same thing goes for anything else you buy. Also under ACA you have certain basic benefits that most plans did not offer before ACA such as check ups once a year, including test, and the middles plans do cover part of office visit, and all out of pocket expenses are capped.

      Boonstra paid 1100 a month which equals 13200.00 a year, her out of pocket caps means she only pays out 6350.00, and with the ACA she saved 6348, so she is only increasing her expense by 2 dollars.

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