Here is a little known fact about new ACA plans: Many do not require consumers to meet any of the deductible before covering services. How do I know? Because I have one. And shh.... But it means that insurance is actually working now! YES!
Also, I now understand exactly what the phrase JUNK PLAN means. I had a classic example of it this past week as I was at the doctor's office dehydrated and in need of an IV treatment. A junk plan is one that when an emergency strikes isn't really there at all. How do I figure? Let me break it down.
Under the pre-ACA plan, one of two things would have been required for me to receive that life-saving IV fluid. Option one: Pre-approval. In the meantime, I was so dehydrated, my brain was literally becoming unresponsive. Option two: ER and wait until they decide when to finally get me in. Either way, we are talking a bare minimum of $500 in charges if not more.
BUT, get this: Under the new ACA-compliant plan, the oncologist's office ran it through the insurance and found that the treatment was covered at 100% of the allowed amount. I paid my copay. And the deductible did not have to be met first. And here's the kicker: The ACA put the power of care back in the hands of the doctor and the patient and the patient's family! Yes, you read at right!
By the way, it is almost April, and I have a $500 deductible with my new plan and still have not met it even though I have had a lot of medical care this year. So continues the life of a patient wih chronic health conditions. For the first time in my life as an insured person, I have insurance that actually works for me.
Now if only my representatives would actually follow suit, everything might have a chance of looking up. Haha.
By the way, I do not consider myself democrat, but I do have more liberal leanings of late. However, I am also conservative in other areas. Stop boxing people in unless they come right out and say what they are. I am a progressive thinking Christian who sees life from a different perspective because of how my life experiences have shaped me. And I follow Matthew 25:31-46 in all my ways. I am a Christian revolutionary if you would. I am a young adult sick of organized religion that has become abusive to the least of these and corrupted by leaders who are selfish and arrogant and refuse to acknowledge their faults when they are pointed out and called to more. That is what I am.
Anyway, those are my observations today.