September 18, 2014
ACA - so far
My cousin's kid tweeted a twat, or whatever you call it (tweeted a twit in this case), proclaiming that he got free dental care now that the Affordable Care Act is in place. He ended the message with a big ol' "Thanks, President Obama!"
I'm happy for him. I really am.
I don't think he realizes that dental coverage is not required under the ACA for a company the size of which he works for. This is the same for my company as well. In fact, we are too small to even be required to offer health insurance at all.
The fact that companies like ours always have has nothing to do with the good graces of the President and the legislators who voted for this monstrosity, but by the nature of the employers who have offered it since I became management.
The fact that all policies must now fall in line with the ACA requirements is illustrative of what happens in most cases when the government "helps" us all. By getting into the thickets with detail, they leave loopholes, gaps and opportunities for the insurance conmpanies to fine tune themselves a nicer deal than they had before. As an example: I used to have routine blood work for diabetes, high blood pressure, cholesterol and other various afflictions. This was routine and paid for 100%. Not any more. I have to pay for all these tests myself now. Perscriptions used to be a three tier system where I paid either $10, $25, or $45, depending on the generic to brand name fall of the drug. Now there are two tiers, plus a possible 50% co pay. There now is a list of drugs covered and I have had to change three different prescriptions to stay on the list my insurance companies offer.
Procedures that my podiatrist performs are no longer covered. Other office procedures are the same. I have a deductible that I never needed before that kicks in not only for in patient hospital procedures, but for such things like imaging (x-rays, MRI's, etc.).
In short, I pay more money for the policy, have a deductible for services that were covered before the ACA, and have less benefits than I had before the ACA.
"Thanks, President Obama!".
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I'm happy for him. I really am.
I don't think he realizes that dental coverage is not required under the ACA for a company the size of which he works for. This is the same for my company as well. In fact, we are too small to even be required to offer health insurance at all.
The fact that companies like ours always have has nothing to do with the good graces of the President and the legislators who voted for this monstrosity, but by the nature of the employers who have offered it since I became management.
The fact that all policies must now fall in line with the ACA requirements is illustrative of what happens in most cases when the government "helps" us all. By getting into the thickets with detail, they leave loopholes, gaps and opportunities for the insurance conmpanies to fine tune themselves a nicer deal than they had before. As an example: I used to have routine blood work for diabetes, high blood pressure, cholesterol and other various afflictions. This was routine and paid for 100%. Not any more. I have to pay for all these tests myself now. Perscriptions used to be a three tier system where I paid either $10, $25, or $45, depending on the generic to brand name fall of the drug. Now there are two tiers, plus a possible 50% co pay. There now is a list of drugs covered and I have had to change three different prescriptions to stay on the list my insurance companies offer.
Procedures that my podiatrist performs are no longer covered. Other office procedures are the same. I have a deductible that I never needed before that kicks in not only for in patient hospital procedures, but for such things like imaging (x-rays, MRI's, etc.).
In short, I pay more money for the policy, have a deductible for services that were covered before the ACA, and have less benefits than I had before the ACA.
"Thanks, President Obama!".
Posted by: topmaker at
03:05 PM
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