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Started By
Message
New challenge for Obamacare: Enrollees who don’t understand their insurance plan
Posted on 7/21/14 at 5:03 pm
Posted on 7/21/14 at 5:03 pm
quote:
Nonprofit organizations across the country are being swamped by consumers with questions. Many are low-income, have never had insurance and have little knowledge of the health-care system. The rampant confusion poses a potential hurdle for the success of the health law: If many Americans don’t understand how health insurance works, that could hurt their ability to use their benefits — or to keep their coverage altogether.
A federal program to help consumers has also run out of money.
Julio Herrera, 63, a construction worker, bought what he thought would be the most affordable plan when he enrolled through Maryland’s new insurance exchange this spring.
But he does not understand why he is getting charged for hospital bills when he already pays the insurance company every month. And he did not grasp this thing — a deductible — that was $4,000.
The foundation surveyed an estimated 4,400 such consumer assistance programs shortly after sign-ups ended in the spring. Ninety percent of those programs had been recontacted by consumers and 44 percent had seen people who did not understand how to use insurance, according to a foundation report released Tuesday.
Language and cultural barriers are adding to the confusion. Many clients also struggle to read and write in their native language, predominantly Spanish, making for a steeper learning curve, said Elizabeth Colvin, director of Insure Central Texas, an Austin-based nonprofit working on enrollment. The majority of the 5,647 residents the group enrolled had never had insurance before, she said.
LINK
It's weird to think that the American underclass for decades and decades was non-existent in the health insurance market. These people from the article grew up without insurance, their parents grew up without insurance, and their parents' parents grew up without insurance.
These obamacare bronze plans are absolute shite for poor people. 6,000 dollar deductibles are not what the poor need.
When all is said and done with this law, I think the people that will benefit most are the rich people who were uninsured due to previous sicknesses. They can afford the deductibles.
This post was edited on 7/21/14 at 5:07 pm
Posted on 7/21/14 at 5:05 pm to HailHailtoMichigan!
quote:
he did not grasp this thing — a deductible — that was $4,000.
He believed them when they said it was free.
Sucker.
Posted on 7/21/14 at 5:06 pm to HailHailtoMichigan!
quote:
Many clients also struggle to read and write in their native language, predominantly Spanish
and people ask why the immigration issue is a major issue. add 40k people to these rolls. we can afford it!
Posted on 7/21/14 at 5:09 pm to Semaphore
quote:
He believed them when they said it was free.
Oh don't worry. It won't be difficult to convince a guy like that to believe that it would've been completely free if not for Republicans.
Posted on 7/21/14 at 5:12 pm to Semaphore
When these people find out what a deductible is, they will say screw that, and just start using the ER like before.
Posted on 7/21/14 at 5:15 pm to HailHailtoMichigan!
quote:
When these people find out what a deductible is, they will say screw that, and just start using the ER like before.
Possibly. They probably just won't pay the bill.
ETA: and guess what that's going to do...
This post was edited on 7/21/14 at 5:16 pm
Posted on 7/21/14 at 5:16 pm to Semaphore
quote:
He believed them when they said it was free.
Sadly, yes.
Posted on 7/21/14 at 5:19 pm to Wolfhound45
quote:a lot of people did. I think we will start seeing subsidies go towards deductibles.
Sadly, yes.
Posted on 7/21/14 at 5:35 pm to HailHailtoMichigan!
quote:
Enrollees who don’t understand their insurance plan
Sorry, this is not an Obamacare problem. This is a general health insurance problem.
I would estimate (generously) that only 30% of patients truly understand their benefits and the limits of their coverage.
Insurance 101 is a standard diatribe to patients for my financial counselors. Co-pay, deductible, covered benefit, co-insurance, etc... may as well be f***ing greek. But the common refrain is that I'm trying to screw them. Nevermind that your EOB clearly states that money you owe me is your deductible...I'm just being greedy.
This post was edited on 7/21/14 at 5:36 pm
Posted on 7/21/14 at 5:36 pm to HailHailtoMichigan!
i may not be a smart man ...
but i know what a deductible is ...
but i know what a deductible is ...
Posted on 7/21/14 at 5:38 pm to HailHailtoMichigan!
quote:
When these people find out what a deductible is, they will say screw that, and just start using the ER like before.
Wasn't there a survey from doctors posted a month or two back stating that ER visits for stupid shite have been up already? Mainly thanks to people thinking their new insurance allows for them to use the ER as much as possible now.
Posted on 7/21/14 at 5:55 pm to HailHailtoMichigan!
quote:why er visits aren't free and they aren't cheap.
When these people find out what a deductible is, they will say screw that, and just start using the ER like before.
Posted on 7/22/14 at 12:50 am to bradwieser
Nothing will change, then
Posted on 7/22/14 at 1:05 am to HailHailtoMichigan!
quote:
These obamacare bronze plans are absolute shite for poor people. 6,000 dollar deductibles are not what the poor need.
So what do they need?
Posted on 7/22/14 at 1:12 am to SpidermanTUba
quote:To be honest, I have no idea. I honesty have no clue how health in this country will be fixed. The best we can hope for right now is better personal decisions in the form of Diet, Exercise, etc.
So what do they need?
Posted on 7/22/14 at 1:29 am to HailHailtoMichigan!
quote:
The best we can hope for right now is better personal decisions in the form of Diet, Exercise, etc.
That's not really the best we can do. Its a cop out.
Posted on 7/22/14 at 1:35 am to SpidermanTUba
quote:Neither government nor the private market has shown much promise. The government spends close to 50 cents of every dollar that goes towards health expenditures in this country, covers around 30% of the people (medicaid and medicare), and spends the fourth highest per capita in health expenditures in the entire world. The private sector has also shown an inability to be cost effective and high quality.
hat's not really the best we can do. Its a cop out.
No one complained about healthcare in this country way way back before the second world war, so I just don't know what went wrong. Could be a symptom of consumerism. We think we need to own and eat everything (metaphorically). Maybe that applies to healthcare. The average yankee uses too much of it because it is a consumer product.
Posted on 7/22/14 at 6:12 am to HailHailtoMichigan!
Obamacare is a bad joke.....
Posted on 7/22/14 at 7:24 am to MSMHater
quote:
Sorry, this is not an Obamacare problem. This is a general health insurance problem.
Correct. But part of the droning mantra for the need for insurance reform included that the market was too complicated and insurance is hard to understand. And of course, Obamacare didn't address almost a single problem it purported to fix.
Posted on 7/22/14 at 8:10 am to HailHailtoMichigan!
quote:
Nothing will change, then
Can't fix stupid.
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