Don’t Blame Obamacare for Insurance Woes
I am a supporter of the Affordable Care Act. I have waited a very long time to see the availability of reasonably priced insurance come to pass. I never actually believed it would happen, so I tried not to get my hopes up. It did happen, though, and I am very happy, even though I am worried.
What has me worried is the fear that it will be taken away just as quickly as I got it because of people stereotyping those who need it.
I know there are many people who are not as pleased as I am. I'm seeing the negative stories in the news, on TV and all over social media. I feel terrible for the people who have lost insurance, blaming the ACA. Or the people who have seen rate increases and services decline from their current providers.
The blame, however, belongs to the same group it has always belonged to, and that is the Insurance Industry. Along with Big Pharma, I believe they are responsible for 99% of all the evil and woes of healthcare. Insurance companies are using the AHA as an excuse to drop clients and charge higher deductibles. The government has given them a perfect scapegoat, allowing them to look innocent while doing what they have ALWAYS done.
I know for a fact that hospital benes were changing and shrinking long before the ACA was even a twinkle in Hillary's eye. When I first began working in hospitals in the 1970s, we had 100% health and dental coverage, and a 50% discount for any employee using their hospital's services, including pharmacy. I watched benefits shrink over the last 45 years to almost nothing. So no, you won't see me blame the ACA for that.
When I moved from Virginia to Maryland in 2009, my insurance company, BC/BS Care First, a minimum plan with huge deductible, said they would no longer carry me, and that I would have to apply to Maryland Care First. I did, and they turned me down for coverage because of pre-existing conditions. I tried many other companies, but the word was out-I had PExC and no one would cover me. I contacted Virginia Care First and asked about coverage if I still worked in their coverage area. Ah HAH! Yes! I could get coverage with my former plan as long as I worked in Manassas, but my rate would be increased from $233/mo to $476/mo. I couldn't possibly afford that, so I did without.
Now with the Affordable Care Act, I am insured with health and dental for the first time in 5 years at a rate, that while not cheap, I can afford. I'm not a junkie, an illegal, or lazy. I'm retired. I worked hard all my life, and I am happy I had this choice. I'm not the only one either, and we don't deserve to be made to feel badly about it.