UncleJesse wrote:
I'm curious, you said you have Congenital Congestive Heart Failure. What would you have done for insurance without Obamacare had your job been lost or your company decided to drop it as a benefit
You seem to have only glossed over my post. I do have CHF, being diagnosed with it in May of 2005. I have had to have a pacemaker/defibrillator put in to regulate my heart.
As for Obamacare, it is not in effect right now, therefore I cannot get an estimate on what an Obamacare policy would cost me so I will not speculate. But from what I have seen, that equal spread of the cost of the policies, from postings here and elsewhere of the cost increases and reductions of benefits and increases in out-of-pocket expenses, I can only imagine what I will be forced to pay.
UncleJesse wrote:
I believe you would have been prevented by the free market system from getting a policy.
If that were the case, my company would not be paying for my insurance because the insurance company, even given the pre-existing condition, granted me a policy with the rest of the employees. They did not have to do that, but I almost guarantee that my portion of the insurance premium paid by my company each month is significantly higher that that paid for by the healthier employees. I started with this company about one year after my diagnosis.
UncleJesse wrote:
If you are in a state that requires nonprofit (BCBS) to offer it to the uninsurable, they probably had a plan for $1400/mo but no limit on out of pocket expenses.
I have no idea what you are talking about here. As it stands, my company pays for my plan and unless that changes, it is forced to change due to Obamacare, I am not concerned. I am more concerned about what I will be forced to pay for insurance with my pre-existing condition, especially considering that I am a candidate for a heart transplant. I am not on the list right now, but my doctors guarantee I will be on it in the near future.
UncleJesse wrote:
Did you ever think how Obamacare now makes it a law that you can't be discriminated against due to your health condition?
I may not be able to be discriminated against, but it can become such a financial burden to pay a monthly premium and have the out-of-pocket expenses that my current lifestyle will be severely affected. Not only that, but Obamacare gives a bureaucrat the right to decide what my healthcare can be and takes away my privacy with regard to my health. Do not even try to call me a liar about those two statements as they are completely true.
UncleJesse wrote:
The way it is written, you get the same rate as everyone else, probably closer to $3-400/mo and there's a limit to how much out of pocket you get stuck with.
How can you even speculate on what I will be forced to pay. I am a severely high-risk insurance investment, I go into a different pool than everyone else, or have you not read the bill. The higher risk you are the higher will be your premiums. Buy into the Kool-Aid of what they are telling you, I do not.
If Obamacare is so great, why are so many exemptions being made for some many special interest groups? The people who are supposed to manage the system do not even want any part of it. The people in Congress make 4 times as much as I do and they will be subsidized and I will not. How can it be that great if they will be taking my money to pay for their insurance when I do not get to keep my money to subsidize my own costs for this mandated insurance.
Again, drink the Kool-Aid if you wish, I would rather trust in the private sector over the government to manage my health care any day.