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Discussion and Debate
Discussion and Debate
Politics
American Politics
Socialised Medicine ...... Arrrrgh
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<blockquote data-quote="Joykins" data-source="post: 66872809" data-attributes="member: 117736"><p>Yes, there is poor coverage in one of 3 different ways I can think of off the top of my head:</p><p></p><p>1. The insurance plan doesn't cover a lot of medically necessary services/procedures. Much of this is now forbidden by Obamacare, but Obamacare has raised the price of plans, because some of the older "unqualifying" plans didn't cover very much.</p><p></p><p>2. The insurance plan has a very limited network of providers. This has the potential to shoot waiting times up, if there are a lot of people covered by the plan but a limited number of providers. This can also require long trips to see a participating provider or go to a participating hospital. Obamacare requires some kind of measure of network adequacy to qualify the plan, but even so in some areas these plans remain quite restricted.</p><p></p><p>3. The insurance plan still leaves the covered individual with a lot of financial liability (i.e. very high deductibles and out of pocket maximums). A friend's husband was "covered" at the time he died a few years ago (after some serious cardiovascular issues), but she ended up owing $11,000 in deductibles after his death. Some families can't bear those kinds of costs, even if they have a "qualifying" plan.</p></blockquote><p></p>
[QUOTE="Joykins, post: 66872809, member: 117736"] Yes, there is poor coverage in one of 3 different ways I can think of off the top of my head: 1. The insurance plan doesn't cover a lot of medically necessary services/procedures. Much of this is now forbidden by Obamacare, but Obamacare has raised the price of plans, because some of the older "unqualifying" plans didn't cover very much. 2. The insurance plan has a very limited network of providers. This has the potential to shoot waiting times up, if there are a lot of people covered by the plan but a limited number of providers. This can also require long trips to see a participating provider or go to a participating hospital. Obamacare requires some kind of measure of network adequacy to qualify the plan, but even so in some areas these plans remain quite restricted. 3. The insurance plan still leaves the covered individual with a lot of financial liability (i.e. very high deductibles and out of pocket maximums). A friend's husband was "covered" at the time he died a few years ago (after some serious cardiovascular issues), but she ended up owing $11,000 in deductibles after his death. Some families can't bear those kinds of costs, even if they have a "qualifying" plan. [/QUOTE]
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