[quote=bearishgurl]
“Obamacare” is having the effect of dismantling a “system” that, IMO, wasn’t really broken.
If a person is otherwise healthy now, i.e. achieved a remission from cancer, they shouldn’t be considered to have a “pre-existing” condition. For the most part, I agree that “pre-existing conditions” should not be considered in the underwriting process.
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That’s why it’s broken. They are. In fact, you are borderline un-insurable if you have had it. You could be like some previous posters here and carry high expense, high deduct, high copay and a bazillion exclusions.
But that’s really, just the lottery. Except, unlike the lottery, you’re almost guarantee winner. As a female, you have 1 in 3 chance of developing cancer, regardless of how healthy you think you’re being. As a male, it’s 1 in 2 chance.
As a couple, that’s a combined 83% chance one or the other is getting something. Once that something comes up. Don’t lose job, don’t get a gap in coverage. And even if you have your insurance, hope you can still make the new premium payments, because your premium is now base on the ‘I’m a cancer patient’.
As for losing your plan, that as Aetna’s choice. As for your costs increasing, it’s a combo of factors. The first is your age, the plan cost go vertical even before ACA, part is ACA.
America had the best system, as long as you didn’t get sick and survive. It works wonderfully as long as you get sick and die.
America also has a huge problem. You exemplify it. You want to go were-ever for what-ever treatment you think is warranted and you want someone else to pay. The insurance. That’s extremely expensive.
I understand your complaint, but I’ve known too many people that basically have lost that die roll and now can’t get insurance, or have prohibitive costly insurance. They were just like you, up until that melanoma spot showed up.
