Obamacare vs employer health insurance?
I was going to sign up for my employers health insurance next month. I work at a library and they have Anthem. I took it out once before and it was very expensive. Since my job is part-time and I had trouble finding a physician who would even accept it, I dropped it and went back to the VA since I'm a veteran. I now have nerve damage from a dental visit which the VA cannot treat and the pain clinic they out-sourced me to first cauterized the nerve and when that failed I had cyber-knife treatment (3 hours of radiation) still with no success. Now people are telling me to hold out until October when Obamacare kicks in to save money as the cost of the Anthem insurance is due to quadruple!? This is so confusing and I really need to find a doctor who can prescribe ongoing pain medication. (The VA has discontinued Oxycontin and replaced it with morphine which does nothing for severe nerve damage.) Thanks for all your answers from an Iraq/Afghanistan veteran.
I asked my employer for health insurance and he failed to sign me up. What do I do now?
I told my employer that I wanted to sign up with their health insurance instead of going through the marketplace. He failed to do so and now he says "sorry." It is now after the deadline and I have no insurance. Is their a law against this? What should I do now?
Why has Obamacare failed most of USA?
The biggest problem started when the Affordable Care Act required all citizens to prove they have insurance. Insurance used to be optional, especially the type and amount.When I left Boeing and lost my medical insurance to attend college, I learned I could continue my existing policy at a cost of $700 a month—I got by with a policy for $50 a year that would cover emergency medical costs and by getting my exams at Planned Parenthood for $50 a visit—I went off birth control used to handle my endometriosis during these years. I was young, healthy and unlikely to have a baby, heart attack, cancer or any of the really expensive care needs.So who pays then if as a college student I opt out then need care due to a car accident? The doctors still treat me, but the bill collectors have trouble. Do I go to jail?The Affordable Care Act bases it's affordability by the statistical likelihood of getting ill—the young basically pay the care of the old.Fairness is always a issue because there is no fairness in who gets sick or when. Then there are the treatments and facilities that some want to support and others drop.I don't know all the ins and outs because I have private insurance. My kids like Obama Care because they both had bills paid by insurance and didn't have previous difficulties of having a year wait or being rejected for having a prior diagnosed condition.I'm currently waiting to see if my out of network doctor will approve my prescription for hormones thar replace what my ovaries used to provide that they would call birth control which is a joke since I don't have the organs to have birth. Further, their insurance wouldn't pay, mine would and I still pick up most of the cost. It's a little like being held hostage by a medical company and told I will be forced to go crazy or die.
Why did Republicans fail to repeal Obamacare?
For the most part (with three exceptions) Republicans have no interest in health care or health care legislation.The people (voters?) who complained about Obamacare had three specific complaints: the individual mandate, premiums were too high and deductibles were too high. Instead of the Republican legislation dealing with those two problems directly, the Republican legislation tried to offer cheaper plans that covered very little…. but did nothing about the premiums or deductibles.To prove that I am right on this, was there a groundwell of enthusiasm for the Republican legislation? I don’t remember any.So if Republican legislation was not designed to help health care, what was it designed to do? It seems that the only thing that it was designed to do was to lower the taxes of the 1%.It wasn’t hard for Democrats to frame the bill as a tax cutting bill for the hard-working “job creators” rather than any sort of health care bill.The only person who seems to lament the fact that the bill failed to pass the senate is President Donald J. Trump. Even Republicans are not wearing sackcloth and ashes and tearing their hair.Dare I suggest that the efforts to repeal and replace Obamacare were not serious from the beginning?
Why didn't Obama just try to enact a single payer healthcare system?
To a certain extent, the healthcare system reflects the culture of a country.In Britain and Scandinavia a welfare state is not questioned. Healthcare is a right and the state provides it. Not all countries view things this way, several have basic healthcare cover provided by the state along with compulsory insurance, this gives people an element of choice and an element of free market.Countries with powerful insurers adopt this, notably France, and to a lesser extent Germany.Given the US has a distrust of government and a large lobby for the insurance industry a single payer system would never take hold.Americans are used to the idea that the government shouldn't provide any benefit to them. There is also natural American optimism that bad things don't happen.Politically the US has lived with an absurdly expensive system for 40 years. Some people just don't like any change.Finally the US has a media that is largely privately funded and allowed to print lies, seeing as insurers pay for adverts and the government doesn't, it makes market sense for absurdly biased ramping up of fears to continue.
Why doesn't Obamacare allow people who want it to buy catastrophic-only health insurance for people over 30?
Kudos to Dan Munro's answer.I would just add that when critics claim that Obama should simply have allowed people to keep their ___ plans (hazardous plans, substandard plans, etc.), the reason why these plans are being phased out is because they're terrible. They are so terrible that they rarely deliver on what they promise. They are the health insurance version of the home warranty: in exchange for a seemingly small premium, they leave you hanging when you need them the most. Consumer Reports has regarded these plans as not worth the money people pay. You'd be better off putting that money in a savings account. The other reason the ACA restricts hazardous plans is because health care shouldn't be limited to treating a series of catastrophes, especially regarding women's health. Whether you're under or over the age of 30, a catastrophic plan is probably not the best way to manage a pregnancy. Or diabetes, or heart failure, and so on.
If I drop a class will I lose my health insurance coverage?
(I have this posted once already, but I think I may have went with the wrong section the first time.) The title pretty much says it all. I'm about to withdraw from a few classes and I was just wondering if I'll still be covered until the end of the semester. I'm under my parents insurance right now (Tricare Prime) and I'm required to be a full time student in order to be covered. I've been reading that as long as you were full time when you initally enrolled that you'd be covered until the end of the semester, regardless on if you dropped a class or not. The thing is, that was for eHealth-insurance; I couldn't find any info about that for Tricare. I'm just hoping that the same rules apply. I've been dealing with quite a few medical issues lately and I really need the health coverage, but at the same time, I'm in desperate need to drop a few of the classes that I'm not going to be able to pass. If any of you could shed some light on this for me, I'd truly appreciate it.
Why do people hate Obamacare?
Reason No. 1: They don't understand it. Reason No. 2: The right cares only about their own interests, not those who don't have access to health care or are screwed by insurance companies. Reason No. 3: They hate anything Obama is for.