Health care confusion
To the editor:
I don’t recall ever seeing so much confusion and contrary statements as we see now with the House passed health bill. Almost all revolves around “pre-existing conditions” (I’ll abbreviate that to pre-ex in the balance of this letter)
I’ve been able to glean the following from various sources, e.g., Wall Street Journal, Washington Post, NY Post, etc.
1. Insurers are required to sell plans to all comers, including those with pre-ex.
2. Anyone with a pre-ex who lives in a state that does not receive a waiver (same as Obamacare) cannot be charged more than other people. I have not been able to find out how such a waiver is obtained.
3. Anyone continuously insured cannot be dropped or charged more due to a pre-ex or after developing one. If you are covered and change jobs, or want to switch plans, you cannot be charged more because of a pre-ex.
4. If uninsured and have a pre-ex and live in a state that received a waiver, the state must give you access to a high risk pool to help pay your premium. This is currently funded at $130 billion for 10 years (not $9 billion, as frequently reported). Obamacare had something similar but only attracted 115,000 customers.
It’s obvious that changes will be made in the bill as it moves through the Senate. In the meantime, wouldn’t it be great if the political hysteria quieted down?