After Medicare became law, the insurance companies figured out a way to take advantage of that law. They wrote policies that expired at age 65. This is not in big bold print in the policy, nor do they give you this tidbit of information, at least Prudential Insurance company didn’t.
President Obama was right – people should have been able to keep the policies they had if they wanted to, plus keep their doctors, but between the insurance companies and medical profession and the organization of HMOs and PPOs, the new ACA laws messed up the way they did business of which doctors a person could use, and which hospital and what the insurance company would pay for.
But he really didn’t know to what extremes the insurance companies would go to get rid of what they no longer wanted instead of re-writing their own underwriting rules and re-writing policies for their policyholders on their books. So quit blaming President Obama for trying to do good for the millions who weren’t covered by an insurance company, as they were unacceptable and couldn’t afford the price of premiums.
My advice, from an old insurance woman, people take the affordable health care. If you have to pay more at least you get the needed coverage you pay for that you were denied before. The Affordable Health Care Act has good underwriting rules for the people and are not expecting to get rich – just hoping it pays its way. We can get rid of all the fraud committed in the medical field of health-care providers, services, medical equipment companies, clinics, hospitals and insurance companies, which has riddled Medicare and Medicaid, with the help of politicians state and federal.
Evelyn Connaway, North Richland Hills
Surviving the Affordable Care Act