People like to speak about those evil insurance companies, not wanting to cover people with pre-existing conditions, but let’s play devil’s advocate for a moment, and look at what happens when the government forces insurance companies to accept all risk, without question.
“I understand your concerns over an increased population of high risk patients and agree that they should be spread out amongst carriers depending on their need for additional coverage and what they may be utilizing the coverage for.
There are a multitude of reasons these patients could really use coverage beyond Medicaid. The biggest reason is access to care. Being on Medicaid, these patients often cannot even obtain a primary care physician, let alone access to various specialists that could help with co-morbidities that could be keeping them off the transplant list. Some of the other reasons could be the ability to travel and avoiding the risk of loss of coverage as Medicaid can tend to be very unstable coverage and can be terminated for a multitude of reasons.
After receiving the answer above, and calling the insurance company (Anthem) to report and to verify that these enrollments would be within the law, I agreed to broker a few of DaVita’s clients, as my heart went out to the patients who were in need of better access. Much to my chagrin, I learned of this lawsuit today, announced by The Denver Post.
Obamacare has created a cesspool of gamers…those who wait until open enrollment to treat non-emergent health issues and cancel shortly thereafter. In fact, the average life of an Anthem individual plan in 2016 was only 7 months! To those who haven’t understood why your health insurance rates are so high, now you know!
Previous PostPrevious We ALL have the power to create change… even me!