[biker1]

Yes, the obamacare premiums are expensive, and the deductibles and out-of-pocket maximums can be very high. However, if you are finding it difficult to find caregivers (presumably in-network) then you may have selected the wrong plan, and there are about 40 plans in Sumter County through Florida Blue. The plan I have pretty much allows me to go anywhere and see anyone. The price difference from the most restrictive plan was actually pretty small. With open season upon us, you may wish to rethink your choice in plans if your network is too restrictive.

Originally Posted by jaj523

Since when is the Affordable Care Plan "affordable"? The prices have skyrocketed. And it is difficult to find caregivers in the program. It is almost like having no insurance at all. It does need to be done away with and replaced with something that includes pre-existing conditions. From what I understand, the proposed replacement DOES include those.

[Bay Kid]

If you like your doctor you can keep them...heard this somewhere....

Anything the govern takes over they will screw it up. Unaffordable Care Act.

[tvbound]

Originally Posted by jaj523

Since when is the Affordable Care Plan "affordable"? The prices have skyrocketed. And it is difficult to find caregivers in the program. It is almost like having no insurance at all. It does need to be done away with and replaced with something that includes pre-existing conditions. From what I understand, the proposed replacement DOES include those.

"From what I understand, the proposed replacement DOES include those."

What "proposed replacement plan?" Could you please provide some type of proof, that any replacement plan even exists? So far, as everyone knows, no one has been able to provide a single detail on any proposed bill, law or regulations to replace the ACA. For those who may not know, an Executive Order regarding pre-existing conditions is absolutely worthless, from a legal standpoint.

[Bonnevie]

Originally Posted by Bay Kid

If you like your doctor you can keep them...heard this somewhere....

Anything the govern takes over they will screw it up. Unaffordable Care Act.

unlike the insurance plans where providers change frequently forcing one to change doctors.

health care is a mess. the mandate was necessary to have healthy people buy into it so the rates would go down. it's the way the Federal Govt. health care works. I can change my health plan once a year to any of those offered without regard to pre-existing conditions because the pool of people is large enough for the healthier to offset the sicker.

[biker1]

I am not saying you can't cherry pick an example of someone having to change doctors, but I personally haven't seen it. I have had the same PCP for the last five years (two different insurance plans) in The Villages and had the same PCP for 10 years (3 different insurance plans) prior to moving to The Villages. Regarding non-PCP doctors, I haven't seen an issue there either. I doubt that I am unique in this regard.

Originally Posted by Bonnevie

unlike the insurance plans where providers change frequently forcing one to change doctors.

health care is a mess. the mandate was necessary to have healthy people buy into it so the rates would go down. it's the way the Federal Govt. health care works. I can change my health plan once a year to any of those offered without regard to pre-existing conditions because the pool of people is large enough for the healthier to offset the sicker.

[NebraskaRon]

“ If insurance companies are awarded the unconscionable power to deny coverage for pre-existing conditions,”

Yes, how could the unconscionable Insurance CO’s not allow you to buy insurance after you are sick. We could do that for cars also — let’s wait to buy insurance after we have an accident!

The ONLY way to allow pre-existing is to also require mandatory universal coverage — you can’t have it both ways. Think about it!

[Boomer]

. . .

[skyking]

Originally Posted by NebraskaRon

“ If insurance companies are awarded the unconscionable power to deny coverage for pre-existing conditions,”

Yes, how could the unconscionable Insurance CO’s not allow you to buy insurance after you are sick. We could do that for cars also — let’s wait to buy insurance after we have an accident!

The ONLY way to allow pre-existing is to also require mandatory universal coverage — you can’t have it both ways. Think about it!

Yep. I tried to buy insurance on my house while the fire department was on the way. Darn company wouldn't accept me. DOWN WITH PRE-EXISTING!

[Bay Kid]

Originally Posted by chet2020

Obama took office in 2009, Obamacare was signed into law in 2010. Not sure your insurance increases were caused by Obamacare?

You are right. It was '10. After the affordable care act was passed my insurance became unaffordable. Those big, bad insurance companies.

Lots of people didn't notice any difference because they had employee coverage. I have always had to pay for my own.

[WhiteToast]

I’m curious, who on this forum actually utilizes the ACA and can first-hand attest to their premium increase/decrease?

For me, the premium I pay due to ACA is significantly lower. I’m not old enough to for Medicare.

Are Medicare recipients ACA eligible?

Just to add, I have a great PPO FloridaBlue That I’ve used all over the country with any doctor I choose with a private room for hospitalizations and a low deductible. I have pre-existing conditions and I could not be happier with the ACA. It’s literally saved me financially.

[Boomer]

It cannot be denied.

Pre-existing conditions are under siege.

I cannot believe that there are those who actually believe everything they hear — when they limit their sources to only what they want to hear.

Be careful what you wish for. Be careful what you fall for.

A new plan? Really?

Please ask yourself if you think there could be any possibility that whatever this plan is could give insurance companies the right to rate those who have pre-existing conditions and then cost-gouge them.

Pre-existing conditions are under siege.

Boomer Revere

[Bucco]

Originally Posted by tvbound

"From what I understand, the proposed replacement DOES include those."

What "proposed replacement plan?" Could you please provide some type of proof, that any replacement plan even exists? So far, as everyone knows, no one has been able to provide a single detail on any proposed bill, law or regulations to replace the ACA. For those who may not know, an Executive Order regarding pre-existing conditions is absolutely worthless, from a legal standpoint.

Yes,

What replacement plan ?

For over 3 years, we have been told it is "just around the corner ", "next week", "soon".

[coffeebean]

Originally Posted by Boomer

It cannot be denied.

Pre-existing conditions are under siege.

I cannot believe that there are those who actually believe everything they hear — when they limit their sources to only what they want to hear.

Be careful what you wish for. Be careful what you fall for.

A new plan? Really?

Please ask yourself if you think there could be any possibility that whatever this plan is could give insurance companies the right to rate those who have pre-existing conditions and then cost-gouge them.

Pre-existing conditions are under siege.

Boomer Revere

Years ago when I was a smoker, my private insurance charged me a "fee" for being a smoker. When I quit smoking, that "fee" went away.

[Lindsyburnsy]

Except that the ACA is on the Scotus chopping block for the week following the election. The case has been brought on by the current party in power. Don’t be fooled.

[jebartle]

Originally Posted by graciegirl

Nothing is free. When the government is involved the wastage makes the cost astronomical. No one wants anyone denied health care because of pre existing conditions.

Too many want health care and have someone else pay for it.

Nothing is free.

We would all like for there to be simple answers and to blame others for problems based on greed, but the truth is that either you self insure or you buy insurance or you HOPE the government will cover you and other people's money doesn't run out.

Gracie, you know that I'm a big fan of yours, but, on this issue, Healthcare for some, thru no fault of their own, is beyond their means and should be free. As the poster mentioned, this virus, is and has many pre-existing conditions, on top of that, Americans have been financially crippled. Having the ACA being ripped away from these families at this time, is unconscionable. No one should be turned away, no one!