Thursday, August 26, 2010

Affordability is in the framing...

You remember the Patient Protection and Affordable Care Act. Yeah, I'm sure you do....we're going to be a healthy and cheap utopia, remember? If you don't you're forgiven. You're probably blocking....

Well it's here...In the runup to the 2014 implementation, health insurance companies are making sure that they can fulfill the outlandish mandates, and stay afloat...all the while without having to compete. Here's what it has gotten me for 2011:

Heath care payroll deduction: up 10% (whew, could have been more)
Deductible: up 250% (yes that is correct-it is a newly instituted deductible, you do the math)
Coinsurance for ALL procedures & tests: up 100% (see above, this can also be called a co-pay)
Co-pay for specialist office visits: up 33% (I should explain here that because we are in a rural area, many specialists also practice as internists, so you pay the higher rate even if it is a routine non-specialty visit.)
ED (ER) treatment: up 100%

This delightful package was announced with great fanfare in a cheery envelope telling me that preventive programs will stay the same.

A more austere letter about a month ago explained that the "users" of health services would shoulder the costs for those services (my words). I think it can be translated as a "gouge the sick" policy. That idiot Grayson may have been prescient. And please don't get me started on the upward spiral of fees that medical institutions will begin to charge to improve the "reasonable and customary" fee table for both insurance companies and Medicare (if they're still accepting MC, that is).

So here we the worst economy in 30 years, with salaries stagnating, I can't even begin to figure out how far behind this will put us.

Thank you, Mr. President, Congress, and all you know-it-alls who wouldn't listen to the will of the people. I will not forget this November.

ETA: HA! Our electronic newsletter just arrived describing our "plan" and it included this statement:

Legislation, such as health care reform, will cost employers and employees more as required changes are implemented now and through the next several years.

Tell me again how it isn't going to cost the middle class more.

1 comment:

kemtee said...

Hope and change!