Democrat scare tactics continue … “take away health care…”

Unbelievable liars. All of them. Below is part of the email the “DNC War Room” just sent out with the subject line Add your name: Tell Congress to protect health care.

Let’s get something straight. Nobody .. not one conservative or Republican is trying to “take health care away” from anybody.

Prior to the Affordable [my ass] Health Care for America Act, everyone had access to health care. Walk in to any hospital and get treated. It was the absolute rule of law across the United States. You could not be turned away if you were sick or in need. In 1986 – during the Reagan administration – Congress passed the Emergency Treatment and Labor Act (EMTALA).

EMTALA imposes 3 distinct legal duties on hospitals. According to the statute, only facilities that participate in Medicare are included, but this encompasses almost 98% of all US hospitals. First, hospitals must perform a medical screening examination (MSE) on any person who comes to the hospital and requests care to determine whether an emergency medical condition (EMC) exists. Second, if an EMC exists, hospital staff must either stabilize that condition to the extent of their ability or transfer the patient to another hospital with the appropriate capabilities. Finally, hospitals with specialized capabilities or facilities (e.g., burn units) are required to accept transfers of patients in need of such specialized services if they have the capacity to treat them.

Furthermore, the law prohibits any participating hospital from delaying such screening examination or further care “in order to inquire about the individual’s method of payment or insurance status.”

Get treated, get better, go home … and we’ll bill you later.

In no way, shape or form would even the complete, immediate repeal of the Affordable [my ass] Health Care for America Act result in “taking health care away.” That’s a total lie.

Everyone has access to health care, and now thanks to Obamacare, almost nobody can afford paying the bills that come with the service. Health care insurance premiums are through the roof. High-deductible health plans that used to have annual deductibles in the $750 to $1,000 range just eight years ago, now have annual deductibles at or more than $5,000 per year. Back in Nov. 2016 I wrote…

If you’re middle class on a non-subsidized ACA plan, a family of four spends about $1,300 a month in premiums. The deductible for those plans is $13,000 per year. So once you pay $28,600 out-of-pocket each year, your insurance kicks in.

That’s not an anomaly, those are the figures I ran in November and I’m not sure what the plan level was. I just ran the numbers again, and a family of four with two kids (12 and 14) who are shopping for an unsubsidized plan will pay a minimum of $20,496 out-of-pocket for the least expensive plan required by law. Dental and vision not covered. If you’re one of the unlucky families that are required to – by law – buy these outrageously high policies that simply provide you with catastrophic care due to the high deductibles and premiums, you know what I’m talking about.

If you’re an employer working hard to keep 50 to 200 employees covered in a group plan, you know what I’m talking about. Prices are out of control.

Of course, if you’re “lucky” enough to get a subsidy – where other people’s money is covering part of your tab – and you’re the same family of four making $50,000 a year in Connecticut, you’ll still be paying out more than $10,000 in premiums and deductibles before insurance picks up anything.

Don’t let the DNC liars take the high ground here. Don’t let them lie and continue their fear-mongering. Call them out on it. The president lied when he said we could keep our plan and our doctor. He lied when he said costs would go down $2,500 a year. Lie, Lie, Lie.

Obamacare insurance can drive you to financial ruin

The Affordable Care Act (ACA) was meant to keep medical expenses from driving you to financial ruin, not for medical insurance to drive you to financial ruin.

But that is what we have now, and it’s exactly what everyone here at RVO predicted years ago. If you’re middle class on a non-subsidized ACA plan, a family of four spends about $1,300 a month in premiums. The deductible for those plans is $13,000 per year. So once you pay $28,600 out-of-pocket each year, your insurance kicks in.

Look at that number again. Twenty eight thousand six hundred dollars.

Where is that $28,600 going? Insurance companies are not keeping it*. The insurance companies are using most of it – or all of it it – to pay healthcare providers for services provided to other subscribers. Most of those other subscribers are on government subsidized programs or have very expensive pre-existing conditions. Of course, they will also use it to cover health care costs you have once you’ve paid your $28,600.

Insurance companies must also cover costs and payments to healthcare providers for mandated coverage requirements. You know, mandates requiring them to insure – without question – those with extremely expensive pre-existing conditions at “normal” rates. Think about that for a moment. It’s kind of like not having insurance when you wreck your new car in the morning. No problem, walk into Progressive in the afternoon and make you first $200 monthly payment on your new policy. Then, walk out with a check for $40,000 to replace your new car.

No, it’s exactly like that.

Obamacare Risk-Corridor Payments Fall Short

Still, insurance companies are losing money and pulling out of the market. This is not unexpected and we also predicted this. The risk corridor scheme was set up to help insurance companies cover losses during the first three years. But just as they got started, the government realized they would not have enough to cover the losses.

In the end ACA insurers collectively incurred $2.87 billion in losses exceeding the risk corridor boundaries, but only ended up owing $362 million in contributions. CMS was able to pay out only $0.126 on the dollar to insurers owed payments, although it reiterated its intent to pay out the full amount owed over the life of the program. This funding shortfall resulted in severe losses for a number of insurers, and several, including a number of consumer cooperative (CO-OP) plans became insolvent.

Are you still wondering why it is failing? It’s clear, there is no “affordable” in the Affordable Care Act.

* Yes, insurance companies do use some of the funds to cover administrative costs.

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