Obamacare: If You Think It’s Bad Now, Wait Until You’re Covered


We’ve addressed this before, but it’s certainly worth repeating. Most attention since the Obamacare rollout has been focused on the botched, glitchy website and the number of Americans losing their insurance policies despite President Obama’s repeated promises that they could keep them.

A much bigger problem is brewing and it relates to another promise made by Obama, that if you can keep your doctor. I suppose that’s true, if your doctor doesn’t quit and you don’t mind paying for your visits out of pocket. Under the Obamacare plans, consumers will be limited to network providers, and in many cases the choices will be limited. The Washington Examiner describes what’s to come as “access shock.”

In the face of media reporting on the high cost of Obamacare-compliant insurance plans, defenders of the law have typically noted that the Congressional Budget Office expected them to be even more expensive.

But one of the main ways insurers contained costs was by stripping down the number of hospitals and doctors that are covered by their plans.

In New Hampshire, only one insurer — Anthem Blue Cross Blue Shield — is offering plans on the state’s insurance exchange.

And to keep costs down, Anthem included only “16 of the 26 acute general care hospitals in the state” in its network, according to the Concord Monitor.

In California, key medical centers such as Cedars-Sinai are absent from plans offered through Obamacare.

On Monday, the Wall Street Journal published an op-ed by Edie Littlefield Sundby, a cancer patient whose plan was cancelled as a result of Obamacare and who won’t be able to keep her current team of doctors that she argued were essential to her survival.

In August, Modern Healthcare reported on a McKinsey & Co. analysis of 955 Obamacare plan offerings in 13 states, which found that almost half were of “the narrow-network type,” meaning enrollees’ choices were restricted and that they would “have limited or no coverage if they seek care outside their plan network.”

A survey of 409 doctors by the Medical Society of the State of New York found that 44 percent weren’t participating in any health plan offered on the state’s exchange, 33.5 percent weren’t sure if they were participating in any plans and just 6.4 percent said they were participating in more than five plans. (Read More)

People like Ms. Sundby will be getting the Obamacare double whammy – first they’ll lose the affordable insurance policies they once enjoyed, then they will pay more for policies that don’t cover treatment with their preferred health care providers. Those are the people being sacrificed for the “greater good.”