My Active Duty status with the US Navy ended on June 30th of this year. In preparation of the end of my TriCare healthcare for my family (myself and two children), I started insurance shopping. Aetna, Cigna, Blue Cross Blue Shield – you name it, I called them. Every single insurance company quoted me from $385 per month for a minimal major medical policy with $50+ office visit co-pays, and $5k-$10k deductibles; to over $785/mo for a “PPO” styled plan with a $1k deductible and $25 office visit co-pays. Each of these quotes came with a warning: “Our premiums will be raised after August 1st of this year due to the Affordable Care Act, so you might want to jump on these rates NOW.” I settled on the Florida Kid Care Program, to avoid insuring ME and just obtained insurance for the children. With dental coverage, that price tag is over $300/mo. That’s right – that just covers my children, and I am personally, currently UNINSURED due to the overwhelming cost of the month premiums.
Where are these so-called savings touted by President Obama? In his address today, he stated a measly $136 rebate received by a few obscure, alleged MIDDLE CLASS cases that have received a rebate that couldn’t even cover one month of premiums for my children alone. These “savings” sure as heck aren’t realized by THIS MIDDLE CLASS, SINGLE MOTHER!
These falsely stated “savings” are a phantom. A smoke-screen and political ploy used by this administration to convince us that the Affordable Care Act “improves the value of the coverage that you’ve purchased” and saves us poor Middle Class folks “$3.4B dollars in premiums” and gives us “more bang for your buck” (directly from today’s Presidential address from The White House East Room), and he is clearly rebutting the House’s vote to delay the plan implementation. This plan was supposed to increase competition, and decrease premiums. In my case, the effect of the Affordable Care Act is the exact opposite of its promised outcome. As for the claim of increased competition: It is virtually impossible to insure “just dependents.” In fact, the option boils down to TWO – that’s right – 2 options: The Florida Healthy Kids program which costs me over $300/mo for two children, OR Assurant Dependent-Only Health Insurance which would have cost me over $475/mo for two children. Decreased premiums and big savings??? I don’t think so. Try again, Mr. President.
I’ve warned my readers before about the awful experience of going through a centralized, federally managed healthcare system after my personal experiences with TriCare. From TriCare’s refusals for medically necessary treatments and referral discrepancies to provider payment issues, poor record keeping and an overly complex system to navigate. Now, consider yourself warned about the LACK OF COMPETITION and INCREASED COST. The Affordable Care Act will NOT benefit YOU. You will NOT have more OPTIONS with more competitive insurance plans. Your DOCTORS will have to decrease their level of care and increase their volume of patients to cover their own insurance rates that are sky-high. This socialist, Marxist Affordable Care Act is a major FAIL – but don’t take my word for it…..you’ll find out soon enough anyway.