**
Dr. Eowyn posted: " In 2009 when he was selling his radical healthcare
plan to the American people, the POS promised that if we like our present
health plans and doctors, we could keep them even after Obamacare became
law. He lied. Every day since both parties in both " Respond to this
post by replying above this line
New post on *Fellowship of the Minds*
<http://fellowshipoftheminds.com/author/eowyn2/> Obamacare disaster:
Health insurances cancelling policies of hundreds of
thousands<http://fellowshipoftheminds.com/2013/10/22/obamacare-disaster-health-insurances-cancelling-policies-of-hundreds-of-thousands/>
by
Dr. Eowyn <http://fellowshipoftheminds.com/author/eowyn2/>
[image: Joke1]<http://fellowshipofminds.files.wordpress.com/2013/10/joke1.jpg>
In 2009 when he was selling his radical healthcare plan to the American
people, the POS promised that if we like our present health plans and
doctors, we could keep them even after Obamacare became law.
He lied.
Every day since both parties in both houses of Congress passed the cursed
unAffordable Care Act, we are finding out what's in it. But this latest
news is the worst.
It is nothing less than an unmitigated DISASTER.
*Across America, hundreds of thousands of people who buy their own
healthcare coverage *(instead of one through their place of employment) *are
receiving cancellation notices from their health insurances. *Those letters
began arriving in August.
Anna Gorman and Julie Appleby report for Kaiser Health
News<http://www.kaiserhealthnews.org/Stories/2013/October/21/cancellation-notices-health-insurance.aspx>,
Oct. 21, 2013, that *the main reason insurers offer is that the policies
fall short of what Obamacare requires starting Jan. 1.* Most of the
cancelled policies were sold *after *the law passed in March 2010. *At
least a few of the cancelled policies had been sold to people with
pre-existing medical conditions.*
An estimated *14 million people purchase their own coverage *because they
don’t get it through their jobs. Calls to insurers in several states showed
that many have sent notices. They include:
- *Florida Blue* is terminating about *300,000 policies*, about 80% of
its individual policies in the state.
- *In California, Kaiser Permanente *has sent notices to *160,000 people
*– about 50% of its individual business in the state. *Blue Shield of
California* sent roughly *119,000 cancellation notices *out in
mid-September, about 60% of its individual business.
- *Insurer Highmark in Pittsburgh *is dropping about *20% *of its
individual market customers.
- *Independence Blue Cross*, the major insurer *in Philadelphia*, is
dropping about *45%* of its individual policies.
Both Independence and Highmark are cancelling so-called “guaranteed issue”
policies, which had been sold to customers who had pre-existing medical
conditions when they signed up. Policyholders with regular policies because
they did not have health problems will be given an option to extend their
coverage through next year.
Consumer advocates say such cancellations raise concerns that *companies
may be targeting their most costly enrollees*. They may be “doing this as
an opportunity *to push their populations into the [Obamacare] exchange and
purge their systems” of policyholders they no longer want*, said Jerry
Flanagan, an attorney with the advocacy group Consumer Watchdog in
California.
Insurers deny that, saying they are encouraging existing customers to
re-enroll in their new plans.
By all accounts, *the new policies will offer consumers better coverage, in
some cases, for comparable cost -- especially after the inclusion of
federal subsidies for those who qualify.* Obamacare requires policies sold
in the individual market to cover 10 “essential” benefits, such as
prescription drugs, mental health treatment and maternity care. In
addition, insurers cannot reject people with medical problems or charge
them higher prices. The policies must also cap consumers’ annual expenses
at levels lower than many plans sold before the new rules.
*But for some, their new policies will cost more*, despite studies
projecting that about half of all enrollees will get income-based subsidies.
Kris Malean, 56, lives outside Seattle, and has a health policy that costs
$390 a month with a $2,500 deductible and a $10,000 in potential
out-of-pocket costs for such things as doctor visits, drug costs or
hospital care. As a replacement, Regence BlueShield is offering her a plan
for $79 more a month with a deductible twice as large as what she pays now,
but which limits her potential out-of-pocket costs to $6,250 a year,
including the deductible. Malean does not believe she is eligible for a
subsidy.
Patrick Johnston, chief executive officer of the California Association of
Health Plans, explains: “The arithmetic is inescapable." *Costs must be
spread, so while some consumers will see their premiums drop, others will
pay more -- “no matter what people in Washington say.”*
*Health insurance experts say new prices will vary and much depends on
where a person lives, their age and the type of policy they decide to buy.
*Some, including young people and those with skimpy or high-deductible
plans, may see an increase. Others, including those with health problems or
who buy coverage with higher deductibles than they have now, may see lower
premiums.
About two-thirds of Blue Shield of California's cancelled policyholders
will see rate increases in their new policies, said spokesman Steve
Shivinsky.
*Folks, this is just the beginning of insurance cancellations.*
*Just you wait and see. I hate to be the bearer of bad news, but Medicare
Advantage will be next. :(*
*More on that tomorrow.*
*~Eowyn*
*Dr. Eowyn <http://fellowshipoftheminds.com/author/eowyn2/>* | October
22, 2013 at 6:59 pm | Tags: Blue Shield of
California<http://fellowshipoftheminds.com/?tag=blue-shield-of-california>,
California Association of Health
Plans<http://fellowshipoftheminds.com/?tag=california-association-of-health-plans>,
Florida Blue <http://fellowshipoftheminds.com/?tag=florida-blue>, Independence
Blue Cross <http://fellowshipoftheminds.com/?tag=independence-blue-cross>,
Insurer
Highmark <http://fellowshipoftheminds.com/?tag=insurer-highmark>, Kaiser
Permanente <http://fellowshipoftheminds.com/?tag=kaiser-permanente>, Steve
Shivinsky <http://fellowshipoftheminds.com/?tag=steve-shivinsky> |
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