I'll try to cut through some of the crap these right-wing/teabaggers have been posting to show a highlight of President Obama's speech yesterday on ACA. You're going to be offered a better plan.
"We are going to see this through"
It's the law!
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In Florida,......
Other Florida Blue members, though, are having the opposite experience: premiums are dropping. Typically, they are individuals who had trouble finding coverage on the individual market because of pre-existing conditions, were over 50 and basically were considered a bad bet for insurers.
Carolyn Newman, 50, of Plantation, was diagnosed with breast cancer in May 2006, about a month after she left her job with a nonprofit organization that provided an employee health insurance plan.
Newman said she had gap coverage provided through COBRA when she was diagnosed, and that she planned to join her husband’s individual health insurance plan with Florida Blue once her COBRA ran out.
But Newman’s pre-existing condition locked her out of the market.
“I was denied across the board,’’ she said. “Everywhere I went, no one would cover me.’’
Newman said she eventually enrolled in a high-risk pool plan run by Florida Blue, which has been her insurer since about 2007.
Her monthly premium has been $1,270. But after receiving a letter from Florida Blue, she learned that in January she’ll have a new health plan at a rate of $640 a month — about half her current rate.
Newman said her new plan has “all the same benefits” of her old plan, but with a lower deductible and no lifetime limit on benefits. She said it has higher copayments for some services and lower copayments for others.
Overall, she feels liberated by the change.
“For me, $640 is a lot of money,’’ Newman said, “but it is a hell of a lot less than what I was paying because I was hostage to what I could get. I’m not a hostage anymore. If I choose to use the Internet and shop around, I can’t be denied now.’’
Liz Buzone of Palmetto Bay never had trouble finding health insurance. Buzone gets coverage through her employer, but she buys individual policies from Florida Blue for her 16-year-old daughter and 12-year-old son.
Buzone said she pays $152 a month for her son’s plan, and $180 for her daughter’s plan. When she got her Florida Blue notice in the mail, the prices had gone up — to $170 a month for her son and $200 a month for her daughter — but she’s pleased because her children will get better coverage, including pediatric dental and vision plans.
Florida Blue says it didn't drop members, just insurance plans - Healthcare Reform - MiamiHerald.com