#Obamacare: California family finds “affordable care” to be neither
**Posted by Phineas
It’s becoming an all too common story: people who thought Obamacare would solve their healthcare-coverage problems find instead that, thanks to bigger premiums, higher deductibles, and shrinking provider networks, they’re arguably worse off than before.
In this case, the victims (1) are the family of German Campos and Andrea Redamonti, themselves and their children, who live in Chico, CA. Redamonti and one of her children have been denied insurance in the past, so, to them, Obamacare seemed like the answer to their prayers.
But, now that the PPACA has kicked in, Redamonti is learning her dream was just a delusion:
“I was so excited,” Redamonti said about Obamacare. “My son and I had both been denied coverage previously, and with the new Obamacare, they couldn’t refuse us.”
But since signing up for Covered California in October, she’s been going in circles with the health exchange.
Simply securing the coverage has been a major headache. Redamonti has spent hours navigating the frequently failing website and on the phone with her provider, only to be asked for income verification for her sons — ages 10 and 8, and repeated requests for payment, even though her check was sent in weeks earlier.
In addition, their new insurance — the minimum available — costs $800 per month instead of the $650 they were paying before and carries a $15,000 deductible.
“When it finally happened and we figured out what we’d be paying and what our benefits would be, our hearts sank,” Redamonti said.
Technically, she’s been covered since Jan. 1, but still waiting on her medical ID card, it’s been difficult to make doctor’s appointments or fill prescriptions.
“I feel like I have paid for coverage and I don’t have it,” Redamonti said.
This is a story being repeated over and over across California, which, God help us, has one of the better-functioning Obamacare sites, and the nation in general: people think they’ll at last have coverage, only to discover they’ve been sold a worthless bill of goods.
By the Democratic Party, let me remind you.
Normally, this is where I’d express minimal or no sympathy with people like Ms. Redamonti and her family, but I’m actually quite sympathetic to her predicament. Worried for her child who has a congenital heart condition, herself at high risk for breast cancer, both denied coverage… Well, one can understand why she and her husband would see Obamacare as the relief they needed and why they’d be eager to buy into the fairy tale that was sold to them.
By the Democratic Party, I’ll point out, again.
What was it Reagan once said? Oh, yeah:
The nine most terrifying words in the English language are, ‘I’m from the government and I’m here to help.’
I hope, genuinely, that Ms. Redamonti and Mr. Campos learn from this a lesson about government control of the economy –it doesn’t work and it makes things worse– and vote accordingly in the next election.
Where I find my sympathy lacking, though, is for people who just don’t get it, such as one of the doctors interviewed for the article. Co-owner of the pediatrics clinic where Redamonti’s children were treated, Dr. Eliza Brown had to turn them away because the insurance company refused to reveal their reimbursement rates, which were likely to be lower than under the old system. They’re a business after all and they have to recover costs. But then she had this to say:
Brown loves the idea of providing basic affordable coverage for everyone, but said the reality proves to be “nebulous and fuzzy,” and be more of a hindrance to health care than a help.
“If I can’t prescribe medicine because it will be denied or can’t give a vaccine to prevent illness because it will be denied, how do you provide care?” Brown said. “Medical decision-making is being put into insurance companies’ hands. They say what they will and will not provide and what can be prescribed.”
Effective health care reform is not possible without health insurance reform, Sullivan said.
With today’s higher premiums and lower reimbursement rates, the extra profit must go “straight into the pockets of the insurance companies and their shareholders,” she said. Care providers and patients suffer as a result.
I have little but contempt for the big insurers, who saw Obamacare as a way to get guaranteed rents thanks to the individual mandate, but Dr. Brown is missing the root of the problem here: it’s not the insurance companies determining allowed care and reimbursement rates, but the government via the Independent Payments Advisory Board (IPAB), Sarah Palin’s “death panel.” (2) The insurance companies are now little more than divisions of HHS. She needs to learn that government cannot provide “affordable coverage for everyone” without somehow rationing care: by curtailing reimbursements or limiting access, or, in the case of Ms. Redamonti and her children, both.
Of course, situations such as these are opportunities for advocates of free markets and limited government; it’s up to us to explain gently to people suffering the same travails why statist health care cannot work and that there is a better way., which starts by not voting for the Democratic Party.
Because we’re from the People, and we’re here to help.
RELATED: From Moe Lane, more on shrinking Medicare provider networks. The Democrats are so going to enjoy November.
(1) And I use that word deliberately; the whole nation is a victim of this bill.
(2) Oh, that dumb chill-billy. Right again.
(Crossposted at Public Secrets)