Heh, it’s all in the fine print. Now I need to figure out which insurer works with a provider that I might need once I get sick.
And how is this different from what we had pre-ACA? If anything, this is a strong argument for public insurance that’s accepted by 90+% of hospitals and doctors.[/quote]
HUGE difference for people that had an employer sponsored plan.. See that’s the problem. A good percentage of people with employer sponsored plan had nowhere near any sort of provider restrictions (as long as it was a PPO plan)… Furthermore, because most employer plans were group plans, they didn’t discriminate against employees with pre-existing conditions either.
This is the point most people who were self- insured don’t understand because your health plans where crappy to begin with. That part hasn’t changed (maybe gotten a little worse for some),
The biggest red herring will be all the people employed by larger corporations who might eventually lose their employer sponsored health plan when employers starting dropping coverage throwing folks onto the exchanges, with insurance plans on the exchanges excluding some of the hospitals needed by people with pre-existing conditions… Something that wasn’t the case when you belonged to a larger/pooled employer defined plan…People with pre-existing conditions that are employees have a LOT to lose in this arrangement…
Currently, a lot of the big employers self-insure (Qualcomm being one of them…They only hire United Healthcare to administer their plans)…Other such companies the same way….So the impact probably won’t be immediate.. But leave things as is, everything will move this way eventually…
