posted on Apr, 2 2010 @ 12:33 AM
Based on some of the info and links posted, it appears that this legislation (as it is currently written) will do absolutely nothing for me. I don't
know if it will hurt me, but it sure doesn't help. For others, some may be helped but many will lose out in the long run.
Supply and demand will become a much bigger problem. Many more patients (those who get the lower deductibles) and no more doctors and other medical
personnel. IMO many people (especially those in Medicaid, Medicare and the exchanges) will wait longer and longer to be treated for non-emergency
conditions. My best friend spent her whole adult life on Medicaid (she was severely physically handicapped and could not work) and I can't tell you
how many times she had to wait many weeks (even months) for surgeries and how many doctors would not see her and some of those who did would just
refer her onto other doctors. She got good emergency care, but for elective and chronic stuff, not so good. And that is with the amount of people
currently covered under Medicaid. Add to that droves of new enrollees and few, if any new doctors to care for them all. And many doctors (my
internist is one) don't take medicaid.
I just think they could have come up with better solutions to the problems that didn't involve hijacking the whole insurance industry.
What should have been done was to simply extend the income level for poor people to enroll in Medicaid and fund that with selected tax increases. At
least this would help the poor with regard to emergency care, as all hospitals take Medicaid, even though many doctor practices do not. No one would
be forced into anything, and people who pay for their own (or get it thru employers) insurance would continue on doing what they are doing. Then,
the insurance marketplace could have been opened up to interstate sales which would have hopefully forced insurance companies to compete to offer the
lowest rates and best coverage much in the same way any other business does.
As for me, I have no idea what will happen - three years ago I had a $200 deductible, then my insurance company (I am self employed so I buy my own)
hiked my rates to unaffordable levels, so I went to $500. Then, this past fall they did it again - massive hikes far greater than inflation - imagine
that you buy a loaf of bread one year for $2.95, the next year it's $3.75, the next year $4.50, and so on - if your pay stays the same soon you will
be starved out! Now I am at $1K deductible and I haven't even turned 40... I am at the point of being discouraged from going to the doctor
now, unless I am really ill. Just like Dorothy with the Wizard of Oz, there's nothing in the black bag of this legislation for me. At least
nothing I can see that's going to keep my insurance company of pricing me out of care all together.