Wednesday, May 30, 2018

Those wonderful pre-ACA days

Wasn't it wonderful in the pre-ACA days when you were healthy? You could get plans with big deductibles, co-pays, coverage limits, yearly and lifetime caps, along with routine coverage denials for people with those plans, and applications denied for not-so-healthy people. Pre-existing condition? Sorry. Don't work for a company with more than 20 employees? Sorry. Oh, that treatment is "experimental" so we don't cover it. Sorry. Oh, you didn't tell us you had acne as a teenager long before the history period we asked for on your application. That is a preexisting condition you didn't tell us about and we are canceling your policy. Sorry.

The number one cause of bankruptcy was medical bills. Too many people got sick and found out their coverage was basically only a coupon. Remember how many raffles and fish-fries and other fund-raisers and collection jars there were for someone who got sick? What you had was insurance for healthy people and companies that routinely denied insurance claims when things got pricey. Sure, the ACA sucks, but at least a lot of people finally got coverage.

So until we can finally get universal single-payer coverage that Australia, Austria, Bahrain, Belgium, Brunei, Canada, Cyprus, Denmark, Finland, France, Germany, Greece, Hong Kong, Iceland, Ireland, Israel, Italy, Japan, Kuwait, Luxembourg, Netherlands, New Zealand, Norway, Portugal, Singapore, Slovenia, South Korea, Spain, Sweden, Switzerland, United Arab Emirates, United Kingdom have had since at least 1995, we are stuck with a Republican plan (RomneyCare) that is for-profit. We're sorry your premiums went up when insurers had to cover sick people. Complain to other healthy people, because the rest of us don't buy it.

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