The Affordable Care Act, from someone that’s been there. As a veteran, I don’t have to worry about my personal healthcare, I’ve got the VA. My family is another story completely. I’m a small business owner, with a wife and two children in their twenties. I am neither, wealthy or destitute. As a Florida resident, my children grew up on and have aged out of, “Florida Kidcare”. (floridahealth.gov/AlternateSites/KidCare/) My wife had what most describe as a Catastrophic Healthcare Plan, from Blue Cross & Blue Shield of Florida. We paid for most of her care, directly out of pocket, and spent another $250 per month on premiums for coverage we thankfully never needed. It wasn’t inexpensive, but our options were so limited based on our circumstances, it was what we could afford. We looked forward to the private insurance options, the Act would provide. Like many Americans, the early days of https://healthcare.gov/ were a challenge, to say the least. During the month or so it took us to file our application for coverage for my wife and son, my spouse’s insurance policy was canceled. It was cancelled by Blue Cross and Blue Shield of Florida, NOT by President Obama. However, they immediately offered a much more expensive plan, that really didn’t offer much more than her original coverage. The reason it was canceled, I can’t be sure, but I suspect a few reasons. First, I suspect it failed to meet the basic coverage, required by the Act. Secondly, I believe they wanted to sell us new coverage, hoping we’d signup, without taking the time to shop with other insurance companies, independently or through healthcare.gov. But we didn’t listen to what anybody had to say about the Act, or the website. We simply did what Americans do best, we checked it out for ourselves. And WOW!!! https://healthcare.gov/, didn’t try to sell us anything. It presented us with options. And I mean OPTIONS! We could pick from every company I’d ever heard of and some I hadn’t. And there were more options. Did we want a plan with low or no, copays? Did we want a plan with low deductables? Did we want premium assistance? It was a healthcare Smorgasbord! In the end, we picked a plan with a premium of slightly over $300, using a premium assistance, which amounted to about ½ of our estimated tax return for the following year. And in exchange, we’ve got a plan for both my son and spouse, that I’d describe as a “Cadillac Plan” compared to what was once, all we could afford. Politicians on both sides of the political spectrum, along with every media outlet, have their own reason for taking sides on this issue. None of which may be yours. I urge you all … Be Americans, check it out for yourself, and then buy it or not.
Posted on: Fri, 28 Mar 2014 18:53:55 +0000
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