Who here is getting screwed by the ACA?

posted 3 years ago in The Lounge
Post # 3
Member
1355 posts
Bumble bee
  • Wedding: October 2013 - Vine Street Church

Nope, all of my doctors take my new insurance — my workplace switched from BCBS to Cigna. It’s actually less expensive insurance for me for the same coverage I’ve had the last three years.

None of our patients have had problems continuing with us, but we’re a research facility, so if patients have issues paying, we can usually petition the study company to pay for parts of their care. We also have a very strong physician-funded indigent fund for our patients.

Post # 4
Member
526 posts
Busy bee
  • Wedding: December 2014

My coverage is the same aside from switching prescription coverage. We’re with Cigna now instead of Express Scripts, and I’m not going to complain about that. My FI works at an urgent care and he says that most of their patients are either 100% fine or… losing coverage completely. It’s like there’s no one who’s getting moderately screwed, only totally or not at all. I’m glad that my dad has state insurance and I’ll be elligible for the same basic thing when I get married.

Post # 5
Member
1826 posts
Buzzing bee
  • Wedding: November 2014

At the pharmacy it’s been about 50/50 “Damn Obamacare, I lost my insurance!” and “Come January 1st, I can actually afford insurance.”

It’s difficult because you try to sympathize with those who are dealing with losing coverage/changing coverage while also helping the first-time insured transition smoothly.

We are also seeing drug prices rise in terms of wholesale. Things that used to be cheap, like codeine cough syrup, have now quadrupled in cash price. Not sure if it’s related to ACA or just manufacturers having issues re: supply or demand, but the prices are definitely going up on almost everything.

 

 

 

Post # 6
Member
8702 posts
Bumble Beekeeper
  • Wedding: December 2012

We’re on tricare and are unaffected. I feel badly for the people who are.

Post # 7
Member
8905 posts
Buzzing Beekeeper
  • Wedding: August 2013 - Rocky Mountains USA

Not me.  My premiums went down because you can no longer charge women double for the exact same plan.

I do feel badly for anyone who’s negatively affected.  Hopefully things will sort themselves out in the next year.  All big institutional changes – Social Security, etc – had similar growing pains…

Post # 8
Member
1084 posts
Bumble bee
  • Wedding: July 2011

We’re not directly affected by the ACA changes for now (DH’s employer provides our coverage), but our premium is going up and covering much less this year (as it has every year, lol, but even more this year).

 

Unfortunately, we have friends who have employers that have dropped spouses from their plans, so now the spouses are having to seek out individual insurance at higher rates :-/ I only know one person who is benefiting from the ACA exchange as they earn a small enough salary to qualify for substancial ‘premium assistance.’

 

We checked just to see what was available and our same plan through California’s ACA exchange would cost us nearly $600 MORE per month – for the SAME EXACT plan – insane. I feel bad for those who are in our same earnings bracket/age and have had their plans dropped because they’ll have no other option 🙁

 

The one thing that actually benefits us personally is the lack of a pre-existing condition clause now as DH has a pre-existing condition.

 

Post # 9
Member
234 posts
Helper bee
  • Wedding: October 2015

@Aquaria:  My family down south will be losing their health care altogether. They have nothing right now. I don’t care what the “promises” are – I just want my family to be protected!! Good idea – terrible implementation. 

Post # 11
Member
234 posts
Helper bee
  • Wedding: October 2015

@Aquaria:  Thanks. I know it will work out eventually, but I don’t think it’s fair that they were dropped from a great insurance plan to nothing. I know insurance companies were “asked” to take those people back – but how can they if they can’t afford it anymore? *sigh*

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