mrdeltoid

Obama care: Who signed up for it?

77 posts in this topic

"Who said anything about sabotage .."

 

 

Republicans never had any issue with the risk corridors in Bush's Medicare drug benefit bill. Not hard to figure out what was going on.

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Republicans never had any issue with the risk corridors in Bush's Medicare drug benefit bill. Not hard to figure out what was going on.

We can safely predict that Obamacare will be kept nearly intact with the only difference being a name change.  Considering most Trump supporters don't even know what the ACA is it's a pretty safe move.

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The salient point is that you were able to obtain coverage despite a pre-existing condition.

 

Were there exclusions in your mhip coverage for conditions arising from the pre-existing illness?

No there were not. 

 

Paul and Donny's new plan would reverse the provision requiring the companies to service those with pre-existing conditions. If MHIP or some other option doesn't come back, I won't be able to get coverage. 

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No there were not. 

 

Paul and Donny's new plan would reverse the provision requiring the companies to service those with pre-existing conditions. If MHIP or some other option doesn't come back, I won't be able to get coverage.

 

One of the critical needs,according to obamacare proponents, was coverage for those whose pre-existing condition prevented them from obtaining coverage.

 

Yet, anecdotally to be sure, you managed to obtain, what I presume to be, insurance that met your needs at a comparable price well before the aca.

 

Help me reconcile this. I'm sure the state didn't start the mhip program just for you so there had to be other participants and basically kicked everyone into the market, at market rate, while eliminating a costly underwriting by carefirst.

 

Btw I agree with you that pre-existing condition should not be a reason to deny coverage-it's one of the obamacare highlights I agree with and a big reason it won't be repealed in it's entirety.

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One of the critical needs,according to obamacare proponents, was coverage for those whose pre-existing condition prevented them from obtaining coverage.

 

Yet, anecdotally to be sure, you managed to obtain, what I presume to be, insurance that met your needs at a comparable price well before the aca.

 

Help me reconcile this. I'm sure the state didn't start the mhip program just for you so there had to be other participants and basically kicked everyone into the market, at market rate, while eliminating a costly underwriting by carefirst.

 

Btw I agree with you that pre-existing condition should not be a reason to deny coverage-it's one of the obamacare highlights I agree with and a big reason it won't be repealed in it's entirety.

I'm not sure what you are talking about. Of course the MHIP existed before I needed it.  But, in Maryland the MHIP was my only recourse. And, as far as I know, CareFirst was the only insurer participating in MHIP.

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If he ran on repealing the ACA, why doesn't he just repeal it?

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I'm not sure what you are talking about. Of course the MHIP existed before I needed it.  But, in Maryland the MHIP was my only recourse. And, as far as I know, CareFirst was the only insurer participating in MHIP.

Nevertheless you had insurance coverage, even with a pre-existing condition, at fair price.

 

We were told again and again that it wasn't possible before the aca-you clearly demonstrate that it was.

 

The only point being made.

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Nevertheless you had insurance coverage, even with a pre-existing condition, at fair price.

 

We were told again and again that it wasn't possible before the aca-you clearly demonstrate that it was.

 

The only point being made.

It was not possible here in NC. I did get one company to accept me - at a price of about $3,800 monthly. FWIW, it did look like a decent plan (I remember $25 co-pays for doctor, $15 co-pay for most drugs, etc. and $2,000 deductible), but for that kind of money it should have been. I don't pay nearly that under the ACA and we now have a child on our policy as well.

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Nevertheless you had insurance coverage, even with a pre-existing condition, at fair price.

 

We were told again and again that it wasn't possible before the aca-you clearly demonstrate that it was.

 

The only point being made.

In Maryland that is true. I don't know any details of other states. 

 

I'm not sure if I would go along with the fair price part since there was no competition to compare. It was more expensive than other plans that I couldn't participate in because of the pre-existing condition.

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Nevertheless you had insurance coverage, even with a pre-existing condition, at fair price.

 

We were told again and again that it wasn't possible before the aca-you clearly demonstrate that it was.

 

The only point being made.

 

I don't think all states had this option but I'm not sure.

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It was not possible here in NC. I did get one company to accept me - at a price of about $3,800 monthly. FWIW, it did look like a decent plan (I remember $25 co-pays for doctor, $15 co-pay for most drugs, etc. and $2,000 deductible), but for that kind of money it should have been. I don't pay nearly that under the ACA and we now have a child on our policy as well.

I did say anecdotally, but clearly possible based on fatboy's experience.

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Posted (edited)

In Maryland that is true. I don't know any details of other states.

 

I'm not sure if I would go along with the fair price part since there was no competition to compare. It was more expensive than other plans that I couldn't participate in because of the pre-existing condition.

You didn't mention price in your previous posts except that it went up when you went into "traditional" insurance and did mention the program being underwritten. Maybe we have a different definition of "underwritten".

Edited by Dr Johnny Fever

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You didn't mention price in your previous posts except that it went up when you went into "traditional" insurance and did mention the program being underwritten. Maybe we have a different definition of "underwritten".

I meant the insurance company offering the coverage. 

 

Underwrite - "sign and accept liability under (an insurance policy), thus guaranteeing payment in case loss or damage occurs".

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After reading posts about Obama care on this board, I get the impression most don't want it repealed. I wonder how many actually signed up for it. And will anybody here actually loose their insurance if it is repealed?

I want but my son will not have the ability to get insurance when he goes off my wife's and mine.

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I need some clarity.

 

You were denied individual health insurance due to a pre-existing condition but did find coverage, underwritten by the same insurance carrier that denied you coverage, thru the state mhip program (about which I know nothing) and at less cost to you than a post aca plan on the open market.

 

Is that about right?

He was in a high risk pool and than went in a standard ACA plan. With this bill he could likely not get insurance.

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If he ran on repealing the ACA, why doesn't he just repeal it?

Because he cannot repeal Obamacare without repealing the ACA as well. There has been a lot of confusion coming from his followers.

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If he ran on repealing the ACA, why doesn't he just repeal it?

The donald cannot repeal anything.

 

Only congress can.

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Posted (edited)

I meant the insurance company offering the coverage.

 

Underwrite - "sign and accept liability under (an insurance policy), thus guaranteeing payment in case loss or damage occurs".[/size]

So you had carefirst-bc/bs coverage at a rate less than when you went into a traditional policy....or did I misunderstand that as well? Edited by Dr Johnny Fever

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The donald cannot repeal anything.

 

Only congress can.

But the Republican-led congress also ran on repealing Obamacare and is willing to do so no matter how many millions will lose health insurance. As long as the wealthy get billions more, the GOP is one happy camper.

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So you had carefirst-bc/bs coverage at a rate less than when you went into a traditional policy....or did I misunderstand that as well?

The cost may have been less but MHIP had very limited coverage.

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The cost may have been less but MHIP had very limited coverage.

That's why I asked about exclusions-according to fatboy there were none.

 

As I said...I know nothing about the program.

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That's why I asked about exclusions-according to fatboy there were none.

 

As I said...I know nothing about the program.

MHIP was our high risk pool. It had a lifetime max.

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But the Republican-led congress also ran on repealing Obamacare and is willing to do so no matter how many millions will lose health insurance. As long as the wealthy get billions more, the GOP is one happy camper.

The republican led congress is intent on one thing and one thing only.....staying a republican led congress and they'll do whatever it takes, including kicking full repeal to the curb, to ensure it.

 

C'mon....they're republicans and have no shame.

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The cost may have been less but MHIP had very limited coverage.

That was not my experience. I had complete coverage including RX and dental.

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That was not my experience. I had complete coverage including RX and dental.

MHIP usually had a lifetime max. It would be fine for standard stuff but not enough to get you through a life threatening issue.

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