Before Obamacare, hubby had needed cataract surgery on both eyes. One was done while he had employer based insurance, the other just a few months later, we had to pay for ourselves because his employer dropped insurance coverage. The one we paid for was less than half the cost charged to the insurance company previously. We asked why the difference and was pretty much told because of the lack of overhead/administrative costs.
Because of the life changing events over this last year, we are now on Medicaid @ 100% coverage. But we have to fight like heck for treatments, RX's, etc. because the insurance denies these things JUST BECAUSE THE DR DIDN'T INCLUDE SOME INFORMATION ON THE REQUESTS.....that is already in our files. The so-called reviewers that determine what they'll approve or deny will not check our file to compare with any referral request that shows we've already met whatever criteria they are basing their decision on. Lazy assed reviewers AND Dr's.
Not to mention DR's don't/won't/can't actually do their jobs of treating the problem, but only the symptoms in most cases.
We've both been with employer based insurance with deductibles that were a challenge to pay for when we've reached maximum ($5,000 cap owed to numerous providers), on Medicaid and we've been without any coverage at all, so we've seen it from all sides.
SOMETHING needs to be done on all levels, cause each instance has had it's own negative impacts.
It's enough to make ya blow a gasket
Is what I'm trying to say more along the lines of Socialized medicine, like Canada, Europe, Haiti???? IDK, maybe so. All I know is whatever our system is and has been over the years (with and without Obamacare), just doesn't work for everyone and needs some serious changes.
Apologies to the OP if this post is not in accordance with your intent of the thread AND I didn't vote because there is just so much more to this whole subject than what is included.
