Monday, January 13, 2014

Think Your Employer Plan is Safe? More Cancellations Coming

So says the Washington Post,
When millions of health-insurance plans were canceled last fall, the Obama administration tried to be reassuring, saying the terminations affected only the small minority of Americans who bought individual policies.
Employer mandates are coming.
But according to industry analysts, insurers and state regulators, the disruption will be far greater, potentially affecting millions of people who receive insurance through small employers by the end of 2014. 
While some cancellation notices already have gone out, insurers say the bulk of the letters will be sent in October, shortly before the next open-enrollment period begins.
Meanwhile, the New York Times reports on the high level and reliability of coverage for those whose health care has already been cancelled and replaced -- not.
FORT WORTH — Paul D. Donahue and his wife, Angela, are among more than a million Americans who have signed up for health coverage through the federal insurance exchange. Mr. Donahue has a card in his wallet from his insurer to prove it. But when he tried to use it to get a flu shot and fill prescriptions this week, local pharmacies could not confirm his coverage, so he left without his medications.
Similar problems are occurring daily in doctors’ offices and drugstores around the country as consumers try to use insurance coverage that took effect on Jan. 1 under the Affordable Care Act.
In addition to the difficulties many face in proving they have coverage, patients are also having a hard time figuring out whether particular doctors are affiliated with their health insurance plan. Doctors themselves often do not know if they are in the network of providers for plans sold on the exchange.
CNN agrees,
Jeanne Patterson really needs to see a doctor but had to cancel her appointment last week.
Why? Because her new Obamacare benefits were not in order, forcing her to spend hours and hours on hold with her insurer, Independence Blue Cross.

Many folks who signed up for coverage through the state and federal exchanges are running into roadblocks now that they are trying to use their new benefits.
Obamacare is self immolating.
And though exchange officials and insurers have urged consumers to call their insurers if they encounter problems, many say they either wait endlessly on hold or get the runaround. Coverage for the first wave of Obamacare applicants took effect Jan. 1.
If you like your health care plan you can keep it?  If you like your doctor, you can keep your doctor? America, so happy you elected the callous, graceless, inept, deceptive, lying skunk in the Oval Office.  Good luck to all!

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