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Cigar
11-22-2013, 08:58 AM
President Obama said last week that the Affordable Care Act would not stop Americans from keeping their health insurance plans, even if those plans did not meet minimum standards set by the health care law. But he did not promise to say nice things about them. On Thursday, the federal government unveiled sample letters (http://www.cms.gov/CCIIO/Resources/Regulations-and-Guidance/Downloads/standard-notice-bulletin-11-21-2013.pdf) that insurance companies will be required to send to anyone seeking to renew one of those policies.

The letters are blunt, declaring that the insurance that is about to be renewed “will NOT provide all of the rights and protections of the health care law.” Renewal letters sent by insurance companies will have to list all the deficiencies in the policy. The letters, among other things, will have to warn that policies might not:


¶Meet standards for premiums, allowing companies to charge more based on factors like gender or a pre-existing condition.

¶Guarantee the policy’s renewal.

¶Prevent discrimination based on a customer’s health status.

¶Cover essential health benefits or limit annual out-of-pocket spending.

The letters must also make it clear that consumers can still voluntarily switch to a plan offered by the new federal or state insurance marketplaces. “The Marketplace allows you to choose a private plan that fits your budget and health care needs,” the letters will have to say. “You may also qualify for tax credits or other financial assistance to help you afford health insurance coverage through the Marketplace.”

http://www.nytimes.com/2013/11/22/us/politics/us-unveils-letters-insurers-must-send-about-health-plans.html?_r=0

From a sample letter ....

Dear Policyholder,

If you choose to renew your current policy, it will NOT provide all of the rights and protections of the health care law. These include one or more of the following new protections of the Public Health Service Act (PHS Act) that were added by the health care law and that take effect for coverage beginning in 2014. As a result, your coverage:

• May not meet standards for fair health insurance premiums, so it can charge more based on factors such as gender or a pre-existing condition, and it doesn’t have to comply with rules limiting the ability to charge older people more than younger people (section 2701).

• May not meet standards for guaranteed availability, so it can exclude customers based on factors such as a pre-existing condition (section 2702).

• May not meet standards for guaranteed renewability (section 2703).

• May not meet standards related to pre-existing conditions for adults, so it can exclude coverage for treatment of an adult’s pre-existing condition (section 2704).

• May not meet standards related to discrimination based on health status (section 2705).

• May not meet standards for non-discrimination in providers (section 2706).

• May not cover essential health benefits or limit annual out-of-pocket spending, so it may not cover benefits like prescription drugs.

http://www.cms.gov/CCIIO/Resources/Regulations-and-Guidance/Downloads/standard-notice-bulletin-11-21-2013.pdf

You what shit ... you pay for shit.

keymanjim
11-22-2013, 09:44 AM
Are we back to calling it the 'affordable care act"? What happened to "obamacare"?

Cigar
11-22-2013, 09:45 AM
Are we back to calling it the 'affordable care act"? What happened to "obamacare"?

It's easy to find ... check a Blue State :laugh:

Mainecoons
11-22-2013, 09:49 AM
Yes, they are trying to run away from it as fast as they can. Well at least the non stupid ones are. :grin:

The latest success story from Oregon, after $305 million has been pissed away:


Despite receiving more than $305 million in federal funds and an aggressive advertising campaign, the Oregon Obamacare exchange has no enrollments, with the program's top officer telling lawmakers he does not think the website will ever work.

Rocky King, executive director of the Cover Oregon program, said he has told residents to file paper applications, the Portland Business Journal reports (http://www.bizjournals.com/portland/blog/health-care-inc/2013/11/cover-oregons-king-faces-the-music-in.html?page=all).

"I no longer use the word 'hope' that something is going to work," King told the Oregon Legislature on Wednesday. "I am planning to do a full manual system from here through March 31.

Read Latest Breaking News from Newsmax.com http://www.newsmax.com/Newsfront/oregon-obamacare-site-enrollees/2013/11/21/id/538018#ixzz2lNzkktp8

Chris
11-22-2013, 09:50 AM
Are we back to calling it the 'affordable care act"? What happened to "obamacare"?

What happened to Unaffortalble Care Act?

Cigar
11-22-2013, 09:51 AM
What happened to Unaffortalble Care Act?

Only a idiot would be looking for Health Care in TexAss :laugh:

keymanjim
11-22-2013, 09:52 AM
What happened to Unaffortalble Care Act?
Or the "affordable (in name only) care act".

keymanjim
11-22-2013, 09:53 AM
Only a idiot would be looking for Health Care in TexAss :laugh:
Only an idiot would think that obamacare had anything to do with healthcare.

Captain Obvious
11-22-2013, 09:56 AM
Only an idiot would think that obamacare had anything to do with healthcare.

Idiocy is in high supply also.

lynn
11-22-2013, 09:57 AM
Every state should follow Oregon's no enrollment status so the ACA is deemed unsuccessful.

Mainecoons
11-22-2013, 10:09 AM
Only a idiot would be looking for Health Care in TexAss :laugh:

Made a fool of yourself again I see.


The best places to practice medicineUsing its state-by-state evaluations, Medscape identified the best states and cities to practice medicine within each of the six regions:

Southwest and South Central: Austin, Texas
West and Northwest: Boise, Idaho
Southeast: Nashville and Memphis, Tennessee
Mid-Atlantic: Arlington and Reston, Virginia
Great Lakes and North Central: Indianapolis, Indiana
Northeast: Manchester and Nashua, New Hampshire
The worst states to practice medicineMedscape also identified the worst states to practice medicine within each of the six regions:

Southwest and South Central: Nevada
West and Northwest: Hawaii
Southeast: Florida
Mid-Atlantic: Maryland
Great Lakes and North Central: Illinois
Northeast: Connecticut

http://www.advisory.com/Daily-Briefing/2013/05/30/Medscape-The-best-and-worst-places-to-practice-medicine

patrickt
11-22-2013, 10:33 AM
Sadly, Obama and Cigar are still lying but they wanted Obamacare and they got Obamacare. Live with it, guys.

Eighty-five percent of Americans were happy with their insurance and you fucked all of them. Aren't you proud? Say it loud, say it proud, "OBAMACARE". That can be your slogan to rally the voters for the midterm elections.

Oh, wait, President Obama wants to delay the coming disasters till after the election doesn't he? I wonder why?

zelmo1234
11-22-2013, 10:36 AM
The funny part is if Obama really lets people keep their insurance, the ACA goes broke!

He is in a pickle!

Cigar
11-22-2013, 10:36 AM
Made a fool of yourself again I see.

[/LIST]
http://www.advisory.com/Daily-Briefing/2013/05/30/Medscape-The-best-and-worst-places-to-practice-medicine

Let me guess ... they have FREE service. :grin:

Chris
11-22-2013, 10:38 AM
let me guess ... They have free service. :grin:



tnstaafl

Cigar
11-22-2013, 10:38 AM
The funny part is if Obama really lets people keep their insurance, the ACA goes broke!

He is in a pickle!

Not really, statistically, idiots who have shitty Health Coverage, go bankrupt and die broke. :grin:

... and there's what Oprah says :laugh:

zelmo1234
11-22-2013, 10:44 AM
Not really, statistically, idiots who have shitty Health Coverage, go bankrupt and die broke. :grin:

... and there's what Oprah says :laugh:


But many people don't' have shitty coverage, they just are not covering things that they don't need!

My employee's have a super plan, but they will have shitty plans when they are forced into the ACA if the waver is not renewed. with an out of pocket cost at nearly 15 times what they are paying now!

But Obama needs people to pay for all those things that they will never use, because it is a subsidy for those that are high users of healthcare insurance