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In reply to the discussion: Don't be deceived. Contrary to popular opinion, ALL insurers, whether on or off the exchanges, [View all]Mojorabbit
(16,020 posts)181. Yes there is an appeal process.
but when you are ill it is the last thing you want or sometimes are equiped to handle. Reams of paperwork and multiple phone calls are the norm, at least for me that was the case.
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Don't be deceived. Contrary to popular opinion, ALL insurers, whether on or off the exchanges, [View all]
pnwmom
Mar 2014
OP
But some think that Obama's worse than a used car salesman, or some shit like that. :eyes:
NYC_SKP
Mar 2014
#1
Yeah I know. I thought I should put this out there where hopefully more people will see it
pnwmom
Mar 2014
#5
But it is a start. And millions are already better off. We just have to be as smart as we can
pnwmom
Mar 2014
#11
And we have to be vigilant about fixing the problems with it, we can either strengthen the ACA and
okaawhatever
Mar 2014
#29
The US HC industry is now 3 trillion per year. The ACA guarantees them 20% that JUST FOR PROFIT
Doctor_J
Mar 2014
#124
I prefer single-payer, but I don't think we should be spreading lies about the ACA here
pnwmom
Mar 2014
#149
Wrong. It's part of administrative costs. I don't agree with a bonus like that, but the insurer
pnwmom
Mar 2014
#150
It *LIMITS* them to 20%. It used to be however high the fuck they could make it. You'd prefer that??
yodermon
Mar 2014
#153
Considering that was a reduction in their profit, I'd say that is a win. Also, the 20% isn't
okaawhatever
Mar 2014
#105
What gets me is a single payer system might also deny certain treatments or drugs
treestar
Mar 2014
#120
The upshot is that you shouldn't give up before checking out the drug formularies
pnwmom
Mar 2014
#8
Just to be clear, it won't cost more for your coverage if you have an expensive disease?
Fumesucker
Mar 2014
#13
"no insurer can fail to provide appropriate medication for whole categories of illnesses"
Fumesucker
Mar 2014
#41
It means that they might be able to tell you, if you need an aromatase inhibitor,
pnwmom
Mar 2014
#44
Unfortunately, formularies aren't something specific to the ACA. Medicare has a formulary,
pnwmom
Mar 2014
#140
Each company negotiates prices with the drug companies. There's no universal pricing.
pnwmom
Mar 2014
#145
Making formularies standard from one ins co to the next would cut costs, ie profit.
Lars39
Mar 2014
#165
It would also give people fewer choices. As it stands now, if one insurer doesn't cover your
pnwmom
Mar 2014
#167
Please name one single-payer system anywhere in the world that doesn't have a formulary
pnwmom
Mar 2014
#169
Of course. Everything could be improved. But we need to be clear on what the issue is.
pnwmom
Mar 2014
#171
No, it isn't. If a brand name is the only standard treatment, then it's supposed to be covered. n/t
pnwmom
Feb 2017
#201
that people having issues with insurance companies have to fight them and shop around
geek tragedy
Mar 2014
#15
Just to be clear, it won't cost more for your coverage if you have an expensive disease?
Fumesucker
Mar 2014
#21
Premiums for the same plans are the same for all customers, regardless of health,
pnwmom
Mar 2014
#47
I'm kind of the go-to person among some of the people I know for news type info
Fumesucker
Mar 2014
#64
Prepare to be surprised then. That is no longer how it works. This is the whole point of getting
pnwmom
Mar 2014
#98
Of course not. I'm saying don't give up if the first company you look at doesn't offer what you need
pnwmom
Mar 2014
#10
The insurance companies know damn well a lot of people aren't going to do that
Fumesucker
Mar 2014
#26
Spend some time in an Italian hospital before you boast about how great they are.
MADem
Mar 2014
#106
Of course they do. If you haven't nationalized pharma you have to have a formulary
Recursion
Mar 2014
#55
Like Medicare, they can't deny all standard medications for any particular condition
pnwmom
Mar 2014
#33
Glad that DU in the grand majority supports the ACA and the HUGE efforts on the part of Obama
flamingdem
Mar 2014
#32
Thanks for posting this. I can't even stomach what some people write. It says absolutely nothing
okaawhatever
Mar 2014
#39
Well either the link is wrong or Blue Cross/Blue Shield is. I honestly think the former.
sir pball
Mar 2014
#95
ACA Guidance on 90-Day Waiting Periods and Certificates of Creditable Coverage
jtuck004
Mar 2014
#87
There are co-pays along the way. You don't pay 100% out of pocket until you meet the deductible
Lex
Mar 2014
#84
Single payer systems have formularies, too. And you can't switch to another single payer system
pnwmom
Mar 2014
#157
Insurers can't not include whole classes of drugs. So if you can't continue on one diuretic
pnwmom
Mar 2014
#112
Canada has a drug formulary. The UK has a formulary. I'm not aware of any single payer
pnwmom
Mar 2014
#116
Absloute projectile vomit--and on the second thread, since the OP was locked out
msanthrope
Mar 2014
#172
Sign-up is still ongoing. We need to counter with facts when people spread lies. Even here. n/t
pnwmom
Mar 2014
#136
"WE" do not know. A heavily recommended post yesterday, by a smart and informed DUer,
pnwmom
Mar 2014
#134
This isn't about votes. This is about not scaring people off with only 10 days left to sign-up.
pnwmom
Mar 2014
#133
Thank you, Phentex. I have the same basic attitude you do. The ACA has a lot of flaws
pnwmom
Mar 2014
#174
I guess you have never picked a company only to have them stop carrying the meds you use
Mojorabbit
Mar 2014
#178
No, it's happened to me, on a large group plan. And it happened to my mother-in-law on Medicare.
pnwmom
Mar 2014
#179
But this has nothing to do with the ACA. It's the same way single payer countries
pnwmom
Mar 2014
#182