Thursday, October 31, 2013

GOP Meets Mrs. Reality After Anti-Obamacare Binge

The GOP Always Learns the Hard Way


The facts vs. the myth and opinion — 

Reading and watching any news coverage about individuals and families receiving notices that their current health care plans don’t meet the minimum requirements of the Affordable Care Act (Obama-care), you’d think that insurers have never before cancelled people’s health care coverage. It’s as if the individual health care market had offered substantive and comprehensive insurance before the law came along in 2010 and forced the good and trusted folks at Wellpoint, Aetna, Cigna, or United Health to suddenly undo your plan.

It’s easy to forget in all the de-contextualized reporting why the law’s minimum standards were written in the first place and what kind of policies they’re seeking to regulate. Let’s take a look back:

Before the Affordable Care Act went into effect, in most states, Americans were, as shown in these two links (1) routinely (2) denied coverage in the individual health insurance market if they suffered from (1) serious medical conditions like diabetes, hepatitis C, multiple sclerosis, schizophrenia, quadriplegia, Parkinson’s disease and AIDS/HIV, or (2) had relatively benign problems even like acne.

Some people who had been prescribed Abilify and Zyprexa for mental disorders as well as Neupogen, which is used to treat the side effects of chemotherapy, or even insulin were also routinely turned away or priced out of insurance.

Many insurers wanted to keep people who incurred substantial health care costs from buying coverage reasoning that if they only extended insurance to young and healthy people that those individuals would pay-in monthly premiums and almost rarely use their health care benefits, meaning the company would stand to profit. 

Read the rest of the story at this link.

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