- Joined
- Apr 14, 2008
- Messages
- 13,011
- Reaction score
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- Location
- Huntsville, AL (USA)
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- Political Leaning
- Moderate
Just about everyone who supports the ACA gets this. I've never seen anyone on the left on this place deny any of the problems. But it's just a bunch of talking points that pretend that there aren't any difficult trade-offs. Here's an example: "Voters rejected it because it didnt allow people to keep their Dr or insurance as was promised, and it led to huge premium and deductible spikes that made buying a policy on the exchanges pointless."
First of all, it didn't lead to "huge premium and deductible spikes." Second, what's the alternative? There isn't any free lunch so if a policy has lower premiums and/or lower deductibles, then it's got a "death panel" that means a bunch of treatments are just not covered, or maybe the policy just cuts off coverage in the middle of a cancer treatment. Here are the ACA EHBs. Can you tell us ahead of time which ones you don't need, this year or in the next 20 years?
Ambulatory patient services (outpatient care you get without being admitted to a hospital)
Emergency services
Hospitalization (like surgery and overnight stays)
Pregnancy, maternity, and newborn care (both before and after birth)
Mental health and substance use disorder services, including behavioral health treatment (this includes counseling and psychotherapy)
Prescription drugs
Rehabilitative and habilitative services and devices (services and devices to help people with injuries, disabilities, or chronic conditions gain or recover mental and physical skills)
Laboratory services
Preventive and wellness services and chronic disease management
Pediatric services, including oral and vision care (but adult dental and vision coverage aren’t essential health benefits)
And if you need those things, how much coverage do you need? For example, if the policy has a $100k lifetime limit, is that enough to cover the cancer or heart disease that you don't know you'll get 8 years down the road? Or that your child will get, or your spouse - how much will their care cost?
The point is it's fine to criticize the trade-off inherent in the ACA - good coverage for higher premiums. But if you want low premiums that are possible with more limited coverage or low annual or lifetime limits, then you're just saying you're good with "death panels." And if your policy doesn't cover hospitalization and you need heart surgery, or your child's cancer treatment after you've exceeded your policy's lifetime limit, well that's too bad, guess you or your child will just have to die.
I work in the health services industry, so I understand some of what you're referring to above. The dance between health services and insurance still baffles me as far as how they've been able to get away with so much for so long. What gets me, however, is how people who don't like Obamacare have remained stuck on the individual mandate while ignoring the fact that before Obamacare people were getting cheated out of health services and their money.
Obamacare is a complex piece of legislation, no doubt, but if people took time to understand: 1) the mechanics of the law, 2) that it had "pay-fors" throughout (meaning it would have paid for itself if all 50 state participated and the taxes remained in place) and 3) the coverage was much better with it than without it, I think people would stop hating on it so much and accept the benefits more.
As I've said before, it's not the best law the people could have gotten from Congress, but it was the best we were going to get when one side all but refused to work with the majority party at the time.