True insurance is used to cover catastrophic, unexpected losses. “Insurance” that covers office visits and lab, prescriptions, eye and dental care, etc. are merely pre-paid plans. You know you are going to have these expenses, but you are paying for them ahead of time. Obamacare is requiring that policies cover certain anticipated expenses, making many old policies “substandard.”
Ann Coulter is self-employed, and must purchase her health insurance “on the open market.” Of course, her old policy did not meet Obamacare “standards”. This is her experience in finding a new policy.
I’ve been thrown off my health insurance — THANKS, OBAMACARE! — and have spent hours and hours over the past month trying to figure out my options now that the Democrats have made my old plan, which I liked, “illegal.” (I prefer to think of my plan as “undocumented.”)…
By now, Obama has issued “waivers” from Obamacare to about 99 percent of the country. (Perhaps you’ve heard, there’s a big midterm election this year.) As one of the few Americans not granted a waiver, I’m here to tell you: You have no idea what’s coming, America…
I thought I had figured out the best plan for me a month ago after having doctors and hospital administrators look at the packets of material I was sent by my old insurance company — the same mailing that informed me my old plan was “illegal” under Obamacare.
But when I checked online recently, I discovered the premier plan — the “platinum,” low-deductible, astronomically expensive plan that might be accepted by an English-speaking doctor who didn’t attend medical school in a Hawaiian shirt and board shorts — does not include treatment at any decent hospitals.
The main point of the Obamacare website is to encourage people other than me to get a government subsidy. There’s also a section helping you register to vote. You just can’t see the insurance plans. (Guess which one you need a government ID for?)
With zero help from the Obamacare website, I eventually figured out that there was one lone insurance plan that would cover treatment at a reputable hospital. The downside is, no doctors take it.
So my only two health insurance options — and yours, too, as soon as the waivers expire, America! — are: (1) a plan that no doctors take; or (2) a plan that no hospitals take. You either pay for all your doctor visits and tests yourself, or you pay for your cancer treatment yourself. And you pay through the nose in either case.
That’s not insurance! It’s a huge transfer of wealth from people who work for a living to those who don’t, accomplished by forcing the workers to buy insurance that’s not insurance. Obamacare has made actual health insurance “illegal.”
It’s not “insurance” when what I want to insure against isn’t covered, but paying for other people’s health care needs — defined broadly — is mandatory.
It’s as if you wanted to buy a car, so you paid for a Toyota — but then all you got was a 10-speed bike, with the rest of your purchase price going to buy cars, bikes and helmets for other people.
The process is extremely frustrating, but currently only for people who have to purchase their own insurance. It is anticipated, however, that many employers will drop insurance coverage for their employees, and lots of folks will have to endure this ordeal. After the next election, of course.