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Mar. 11 2010 - 11:30 am | 151 views | 0 recommendations | 7 comments

Obamacare hurting employees’ coverage before it even passes

As we and the Washington Post pointed out last August, the president’s whole “if you like your current health plan, you can keep it” schtick is a bald-faced lie. It is a lie because if your employer decides what coverage you get, then your employer decides what coverage you lose. Whether you like your plan or not has nothing to do with it.

Fast forward to today and we see that, as predicted, employers expect are expected to cut benefits and charge employees more for their policies as a result of Obamacare. And they are telling employees, before the bill even passes, that they will not be able to keep their coverage. Just the thought of Obamacare seems to kill coverage. Powerful stuff.

People who work for large corporations have some of the most stable and comprehensive medical coverage in the nation. They are insulated from insurance industry practices at the heart of the Washington health-care debate, such as having their policies rescinded after getting sick or being denied coverage based on preexisting conditions. However, the new survey is a reminder that even people who are satisfied with their insurance plans cannot count on a continuation of the status quo. . . .

[A recent survey] found anxiety among employers about the government’s plans to revamp the health-care system. Although the substance of the pending legislation has been a moving target, more than two-thirds of those surveyed said they expected it to make their plans more costly. More than a quarter predicted it would prompt them to make coverage less generous. . . .

Fifty-six percent plan to hold employees responsible for a larger share of the costs next year, the survey found.

It is only the president and the Democrats who continue peddling the preposterous fiction that this health care takeover will not alter your current plan. Who are you going to believe, the president or your employer who says you can’t keep the plan you are satisfied with?


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  1. collapse expand

    Aren’t their insurance premiums already going up? Am I to understand that these employers think Obamacare will increase their costs faster than current market trends?

    Only in America can the CEO of a small-medium business cut employee benefits, keep his and his other executives’ salaries the same, and blame the federal government for making them “cut back.”

    • collapse expand

      Only in America can the CEO of a small-medium business cut employee benefits, keep his and his other executives’ salaries the same, and blame the federal government for making them “cut back.”

      Yep. Exactly right. Everywhere else the government controls the levers. And when they deny your claim, you can’t just go find another insurance company. You’re screwed.

      In response to another comment. See in context »
      • collapse expand

        “And when [gum'mint] deny your claim, you can’t just go find another insurance company.”

        Are you serious? You think if one insurance company denies your cancer treatment, you can just go to another insurance company? Are there two United States of Americas, and you and I live in separate countries?

        In response to another comment. See in context »
        • collapse expand

          From the AMA (http://www.independent.org/blog/?p=4459).

          According to the American Medical Association’s National Health Insurer Report Card for 2008, the government’s health plan, Medicare, denied medical claims at nearly double the average for private insurers: Medicare denied 6.85% of claims. The highest private insurance denier was Aetna @ 6.8%, followed by Anthem Blue Cross @ 3.44, with an average denial rate of medical claims by private insurers of 3.88%

          In its 2009 National Health Insurer Report Card, the AMA reports that Medicare denied only 4% of claims—a big improvement, but outpaced better still by the private insurers. The prior year’s high private denier, Aetna, reduced denials to 1.81%—an astounding 75% improvement—with similar declines by all other private insurers, to average only 2.79%.

          Now if you simply believe that government should pay for everybody’s health care, then you would have to insist that Medicare no longer be able to deny any claims. Otherwise, if we are just talking about denials, private insurance clearly has the better track record.

          In response to another comment. See in context »
          • collapse expand

            Right, it’s very easy not to deny claims when you can deny coverage outright for pre-existing conditions and hike up premiums so high that only the healthy and wealthy can afford them.

            Sort of like if we were playing Texas Hold ‘Em and agreed that the dealer was only going to deal you aces. I might occasionally win, but most of the time, you’re going to walk away with the pot.

            I mean, seriously Bill, is having a tin ear your pre-existing condition? Because you just cited Anthem Blue Cross and their 39% premium hike to make the case about why we should stick with the status quo for health care reform.

            In response to another comment. See in context »
  2. collapse expand

    Obamacare is modeled off the Cuban plan….where everyone is covered….but the problem is there are no doctors….they have all fled to the U.S. or been shot

    Real Americans don’t want government run health care under any circumstances……especailly one where an Obamacop can stop you on the street and demand to see your national health care ID card….

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