I spent 13+ years in Middle to Upper level management in healthcare billing and reimbursement. I worked 11 of those years for Physicians and 2 in a hospital setting.
When I left healthcare in early 2013 we were just on the precipice of the ACA act becoming law. When I left the hospital in 2012 they were struggling to keep their doors open. The hospital I worked for served a "targeted" group. It was a level 1 Trauma center in the poorest part of the city. Now, to clarify, the Physicians were doing "ok" it was the hospital in danger.
I shake my head when I hear these obnoxious numbers thrown around as it relates to ACA. Continually we "hear" what is frankly Fake News coming from the Repubs.
In 2012, premiums were skyrocketing, deductibles were doubling. The states that allowed purchase across state lines it had NO effect. I live in KC and have the option, and always have, to purchase from BCBS in ANY state they serve. I have seen BCBS policies from all over the country at every organization I have worked for
Insurance rates are determined by actuaries. It's all a numerical equation. Which leads to debunking not only the myths but the promises from the new administration.
How do you guarantee, under the Repub NO Gov't intervention belief, that insurances will cover preexisting conditions ? Do you keep that as LAW therefore breaking with the entire reason you want to cancel it? The fact that its a LAW is a big deal to you? So...how do you enforce preexisting conditions, at an AFFORDABLE price without a mandate. You think insurance companies, out of the goodness in their hearts, will do it and do it cost effectively?
You can't and they won't. Here is why
A) Who wants to join this group with preexisting conditions?
B) This group, on average, has higher healthcare needs. Using the actuarial example above..its a Pool and prices are based on anticipated costs.
C) Across state lines purchase. I don't know how to argue ignorant statements and that is what this is.
SEE- KS, MO, IL and any other city in two states. Don't believe me? Research it yourself instead of watching Fox news.
Ok, so that is a major barrier to replacement. Lets talk about repealing it.
In 2013, my premium for a family of 4 in a high ded. plan was $600/month with high Rx co-pays. I wouldn't call that affordable.
I want to have people really understand what happens when its repealed.
1- Uncompensated care will skyrocket. Specifically in hospital settings and more specifically targeted hospitals serving the poor. Why you might ask?
2- ER's will again become Primary Care Offices. What else should someone do, with no insurance, but go to the ER where they have to be treated.
3- Patients on dialysis will lose their Medicaid and have to use the ER 2-3 days a week. Or die on the street.
4- Your costs will rise. Are you unaware that high premiums and small businesses were main issues? Who do you think paid the price, you did. Not those without insurance. The cost of uncompensated care will be the undoing of some hospitals. Small business will again decline to offer health insurance and pre- ACA it wasn't cheap to purchase a policy
5- Bald face Lie by Pubs on rising costs. Why? I mean Michael I can show you the numbers?
Really? My studying shows an overwhelming number of people whose premiums will rise will also have their SUBSIDIES increased. Most will see little to no change in their premiums.
Is the ACA perfect? Absolutely not. It has failed in many ways and I don't mind that discussion. What I do mind is people extrapolating a random thought without empirical evidence
Is healthcare a guaranteed right? It should be and for the naysayers that want to call that socialism...it isn't. Every major country has it and they are not all socialistic. But...c'mon America! We are the best at taking an idea and then molding it to work here. We can do it, oh Yes we can