Listening to Sean Spicer right now.....

[JPK]

He knows nothing about how you select an individual plan under the ACA and a lot of what he is saying is either a half truth, false or a lie, (no surprise there).

I've had coverage for the last three years and have had both knees replaced under the program. You are NOT force fed a plan that has limits on treatment. You purchase a plan based only on price and what you are willing to pay based on your income, number of dependents and the subsidy you will get. If you want low monthly premiums, you can buy one but you will have high deductibles and higher co pays. As you spend more, your deductibles go down as well as your co pays. There is no forced maternity coverage if you are a male or any other forced coverage. You are just covered if you get sick regardless of your illness. So the crap the republicans are spouting about being forced to get coverage that you don't want is bull shit. Insurance is insurance. when you buy it you are covered, that's it.

Another thing they want to do is allow the purchase of insurance across state lines. I'm sure there is a nefarious reason they want that but I heard today there are no federal regulations that restrict in any way the sale of insurance, health or otherwise across state lines. Insurance is regulated individually by each state legislature. Every state would have to change their own regulations to allow that. Spicer makes it sound like the Democrats in Congress are a road block to that.

He sounds like he's on cocaine or meth. His brain seems like it's always trying to catch up with his mouth which rattles on at 90mph.

[elleng]

1. Right, has no idea there are CHOICES!

Or more likely wants to spread LIES.

[janterry]

2. My understanding is that

insurance companies don't like to bid across state lines (even when it's allowed) because conforming to individual state regs is too cumbersome (and not profitable).

I wonder about people like Spicer. They know Trump is a fool and a liar. How do they rationalize the fact they are propping up an imbecile?

[randome]

4. That's the question they need to put to Spice-Boy next time.

"Why is it that when state lines are eliminated, no insurance company takes advantage of that? Will Trumpcare force companies to do this?"

He cherry-picks a couple of horror stories then whines about the CBO picking out statistics.
[hr][font color="blue"][center]"There is a crack in everything. That's how the light gets in."
Leonard Cohen, Anthem (1992)[/center][/font][hr]

[SticksnStones]

3. The 'across state lines' thinking is actually for the insurance companies

This would allow them to set up headquarters in the state with the fewest requirements and regulations in a race toward the bottom.

So if NYS sets up a reg. that protects the consumer at the cost of the insurer, said insurance company can leave NYS but still keep NY customers.

That's my understanding ~

[crazylikafox]

5. He said that before Obamacare a person could buy good insurance for about $100 a month.

Obama changed that by making them buy a lot of stuff they didn't need & want.

I paraphrase, but that's essentially what he said. And I think he really believes this shit.

[brush]

6. Right. And I'm disappointed in no pushback from the reporters

They should all bone up on the details of Obamacare since it's being compared and lied about just about everyday now with the repugs' DonTcare.

[JPK]

7. Like I said in my post

Last edited Tue Mar 14, 2017, 06:02 PM - Edit history (1)

When you get coverage, you have it. There are no ala carte items. There are no one from column A and one from column B for illness'. When you pays your money you are covered. Period.

My plan covered myself and my wife. Based on our age and income I chose a silver plan from BCBSFL. Last year it was $132.00/month. This year it went up to $185.00/month. I still have the same plan with the same deductibles and co pays. I could have gone with a bronze plan but my primary care doc was not in that plan and my hospital choices would have gone to one. Still, I have coverage and it is based on what I'm willing to pay monthly and deductibles. I could get cancer and I am covered. My total deductible is like $2k and then they pay all the rest.

One addendum; your choices for hospitals and docs get thinner the less you pay on your plan. Still, I think it works great. It did for me and still does.

[MontanaMama]

8. You're correct - Spicey knows nothing

of which he speaks. I do want to point out that many of us cannot get more than two or three choices through the ACA market place. As you get older - I'm 52 - the ACA site does not offer much and neither does the individual market. Some of this depends on the state you live in. In Montana, there are only two companies that offer relevant insurance plans and one of them, Blue Cross Blue Shield, does not really want to tap the individual market so they have priced their policies higher than what most people can/will pay. The other company has "filled the gap" with very high priced policies with fairly high deductibles. Our family of 3 pays $1322 per month (I'm not eligible for a subsidy) with a $6000 per person deductible. This is the middle of the road policy - one of only three to choose from.

So, agreed that Spicey doesn't have an effing clue about what he is saying and I feel it is important to let people know how things really are out here on the ground. Being self employed, insurance has always has been a nightmare with the exception of the first couple years of the ACA.

While the law doesn't help me financially, the pre-existing conditions protections are something we have come to count on and what I believe most people will miss when they are abolished. Who doesn't have a pre-existing condition of some sort?

[JPK]

9. I'm in Florida

We have a republicon governor, the notorious criminal Rick Scott and legislature. They did not take the extended Medicaid like most red state governments. But because the state has so many people, almost 20 million, it makes it a little more profitable for companies to take a look. The first year I was on the ACA BCBSFL was the only provider. This year there were three. I stayed with BCBSFL because I'm familiar with the way they operate and have been generally pleased with them. If they would have accepted the Medicaid I think there would have been more companies involved and priced probably would have been a little lower. I'm now 63. I was 61 when I had my knee surgeries.