We are a commune of inquiring, skeptical, politically centrist, capitalist, anglophile, traditionalist New England Yankee humans, humanoids, and animals with many interests beyond and above politics. Each of us has had a high-school education (or GED), but all had ADD so didn't pay attention very well, especially the dogs. Each one of us does "try my best to be just like I am," and none of us enjoys working for others, including for Maggie, from whom we receive neither a nickel nor a dime. Freedom from nags, cranks, government, do-gooders, control-freaks and idiots is all that we ask for.
Gawd, there's a phrase I haven't heard in a long time. Wouldn't that be great? Instead, I have to purchase insurance that covers "theraputic massage" and "chiropractic", along with "maternity" and "post natal care"
Any other groups w/hand out wanting a piece of the (my) pie?
A health insurance broker I spoke to this week claims that there will still be companies offering off-exchange coverage of the major-medical type. The prices will be higher than last year, because all companies still will have to accept all comers regardless of health status, but the high-deductible option may help keep premiums down. He hasn't yet been able to send me any info on specific policies or rates yet, but he thinks he can get us insured through a company that's not participating in the exchanges here in Texas, United Healthcare. He also claims that United Healthcare has a better claims-paying record than our current insurer, Blue Cross, and that many doctors and hospital systems will be fleeing the Blue Cross network at the end of this year because of growing reimbursement problems.
I find this confusing. Certainly some aspects of the ACA's minimum-coverage rules will apply to all insurers, whether or not they participate in the exchanges. That includes, for instance, the ban on pre-existing condition exclusions. But according to this guy, the off-exchange policies need not fit into the Gold/Silver/Bronze boxes, especially in terms of maximum deductibles. Possibly they also need not cover aromatherapy etc., or pretend to offer a lot of "free" checkups, screenings, or vaccinations at the cost of jacking up the premiums.
Actually, all minimum coverage rules apply to all insurers (see Section 1302 - your guarantee of maternity and pediatric care). Interestingly enough, the IRS will determine allowable deductable levels (in or out of exchange, though that is not clear), and preventative services such as immunizations or colorectal cancer screening are exempted from your plan’s deductible amount...
These insurance policies were deemed substandard because they didn't offer men insurance for maternity and pap smears or offer women Viagra for their ED. But the Democrats have caucused and determined that what is needed is a little slight of hand and blaming of the insurance for being "substandard" without hinting at what about these policies was substandard. Don't let the sheeple know what we are doing or they might actually discover we Aren't working in their best interests.