Another side of Obamacare
Det. Sgt. Joe Friday is often credited with saying “Just the facts, ma’am.” In the interest of accuracy, what he really said “All we want are the facts.” Bill Finlan’s recent letter “Give Obamacare a chance” contains several errors and I will attempt to set the “facts” straight. He states he is 79 and I accept that as a fact. However, he says “The Health Care Act (sic) makes it possible for me to receive the very expensive medicine I need every day for the rest of my life.Thank you Obamacare”.
It’s great that Mr. Finlan likes his insurance, but his giving credit to Obamacare is misplaced. As a 79 year old, he is not subject to the Affordable Care Act. His health care is covered under Medicare, a completely different and separate program, plus possibly a supplemental insurance policy. Obamacare does not cover anyone subject to Medicare. Here are the “facts” as they apply to someone who is subject to Obamacare:
I am 62 years old and have been notified by Blue Cross that my private health insurance will be discontinued Dec. 31. My family has had this insurance since I retired six years ago and have been very pleased with both our coverage and our reasonable premium. I have until Dec. 1 to choose my new insurance coverage or risk not being covered. Since I am under 65 I am not eligible for the great Medicare coverage that Mr. Finlan likes so much. I will have to stay healthy for three more years.
We basically have two choices to make in the next few days. We could choose a policy with the same deductible and similar co-pay and maximum out of pocket limits. Our covered benefits would be about the same. With this choice our monthly premium would go up $800 per month or $7,200 per year. Our other choice is the one recommended by our carrier because our premium “only” goes up $50 per month, $600 per year. The coverage is the same, but our deductibles increase from $1,000 each to $7,500 each, a $13,000 per year increase in risk for the two of us. This second option is only available for one year. We are just over the earnings limit and are not eligible for any subsidy for our new premiums.
These are the “facts” about Obamacare as they apply to someone who is subject to its provisions, not from someone who is not. If we are lucky, the recent possibility of our keeping our current policy for one more year could buy us that amount of time before we are forced to “Give Obamacare a chance”.”
David Rood Jr.