To the Editor:
The Affordable Care Act seemed like a dream come true. Affordable health care for everyone. Even with the unacceptable fumbling of the rollout, it seemed like a good idea. You could keep your doctors and hospitals according to promises made, and there would be very little change.
But, it changed everything in the health care market because those promises were totally untrue. When you look at all that seems to be included in the ACA, such as abortion, dental, eye glasses, expanded birth control, maternity, preexisting conditions, and substance abuse and treatment, you must say to yourself, “No wonder it is so expensive.” I have spoken to many uninsured, younger- and middle-aged who are suffering from sticker shock and will not buy the insurance due to extreme cost.
It is upsetting that many Illinois hospitals are not in-network providers. If you have a BlueChoice plan, please check to see if your hospital is in-network. On this plan, which is bronze, silver or gold, the tests are covered by 60 to 80 percent, depending on the plan you choose. Your doctors may be covered by insurance, depending if they are in your network. The key word is that you need to stay “in-network” as much as you can. Then, of course, do not forget about the deductible, which can be as much as $6,000 or as low as $1,000 per person, depending on the plan. The hospitals say they will set up payment plans for patients.
The whole problem with the ACA is that it spreads health care too thin for the many who will participate. The emphasis is on the youth and prevention, not for the elderly and sick. Medicaid people will be paying very little, so the middle class will be covering them. It encourages people who receive Medicaid to want to stay on the plan forever with no incentive to try to move up or better themselves.
I believe our freedom of choice has been denied. You can no longer carry the type of policy that you need for yourself, but you have been forced to take one policy that fits all. Why would a 61-year-old man want to carry maternity, abortion and birth control insurance?
President Obama claims he wants to accelerate the middle class. I do not see how poor insurance coverage and expensive monthly health care rates, co-pays and deductibles could possibly do that.
Sandra M. Boelke