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Old 11-01-2013, 02:57 PM   Topic Starter
Loneiguana Loneiguana is offline
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Another Obamacare horror story debunked

The vast majority of Horror Stories are being Dubunked.

This is just one example.

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Deborah Cavallaro is a hard-working real estate agent in the Westchester suburb of Los Angeles who has been featured prominently on a round of news shows lately, talking about how badly Obamacare is going to cost her when her existing plan gets canceled and she has to find a replacement.

She says she's angry at President Obama for having promised that people who like their health plans could keep them, when hers is getting canceled for not meeting Obamacare's standards.

"Please explain to me," she told Maria Bartiromo on CNBC Wednesday, "how my plan is a 'substandard' plan when ... I'd be paying more for the exchange plans than I am currently paying by a wide margin."

Bartiromo didn't take her up on her request. So I will.

The bottom line is that Cavallaro's assertion that "there's nothing affordable about the Affordable Care Act," as she put it Tuesday on NBC Channel 4, is the product of her own misunderstandings, abetted by a passel of uninformed and incurious news reporters.

I talked with Cavallaro, 60, after her CNBC appearance. Let's walk through what she told me.

Her current plan, from Anthem Blue Cross, is a catastrophic coverage plan for which she pays $293 a month as an individual policyholder. It requires her to pay a deductible of $5,000 a year and limits her out-of-pocket costs to $8,500 a year. Her plan also limits her to two doctor visits a year, for which she shoulders a copay of $40 each. After that, she pays the whole cost of subsequent visits.

This fits the very definition of a nonconforming plan under Obamacare. The deductible and out-of-pocket maximums are too high, the provisions for doctor visits too skimpy.

As for a replacement plan, she says she was quoted $478 a month by her insurance broker, but that's a lot more than she'll really be paying. Cavallaro told me she hasn't checked the website of Covered California, the state's health plan exchange, herself. I did so while we talked.

Here's what I found. I won't divulge her current income, which is personal, but this year it qualifies her for a hefty federal premium subsidy.

At her age, she's eligible for a good "silver" plan for $333 a month after the subsidy -- $40 a month more than she's paying now. But the plan is much better than her current plan -- the deductible is $2,000, not $5,000. The maximum out-of-pocket expense is $6,350, not $8,500. Her co-pays would be $45 for a primary care visit and $65 for a specialty visit -- but all visits would be covered, not just two.

Is that better than her current plan? Yes, by a mile.

If she wanted to pay less, Cavallaro could opt for lesser coverage in a "bronze" plan. She could buy one from the California exchange for as little as $194 a month. From Anthem, it's $256, or $444 a year less than she's paying now. That buys her a $5,000 deductible (the same as she's paying today) but the out-of-pocket limit is lower, $6,350. Office visits would be $60 for primary care and $70 for specialties, but again with no limit on the number of visits. Factor in the premium savings, and it's hard to deny that she's still ahead.

Cavallaro told me a couple of things that are worth considering. First, what she likes about her current plan is that she can go to any doctor of her choice and any hospital. That's not entirely true, because her current plan with Anthem does favor a network. Plainly, however, it's broad enough to serve her purposes. She's concerned that the new plans will offer smaller networks, which is probably true, though it's not necessarily true that the new networks will exclude her favorite doctors, hospitals or prescription formularies.

She also mentioned that her annual income fluctuates. It can be substantially lower, or substantially higher, than it is this year. What if next year she earns too much to qualify for the subsidy? Also a fair point -- at her current income, the subsidy is worth more than $200 a month to her. But that's not the same as saying that "there's nothing affordable about the Affordable Care Act," because at her current income, the act is vastly more affordable to her than what she's paying now.

When she told Channel 4 that "for the first time in my whole life, I will be without insurance," it's hard to understand what she was talking about. (Channel 4 didn't ask.) Better plans than she has now are available for her to purchase today, some of them for less money.

The sad truth is that Cavallaro has been very poorly served by the health insurance industry and the news media. It seems that Anthem didn't adequately explain her options for 2014 when it disclosed that her current plan is being canceled. If her insurance brokers told her what she says they did, they failed her. And the reporters who interviewed her without getting all the facts produced inexcusably shoddy work -- from Maria Bartiromo on down. They not only did her a disservice, but failed the rest of us too.

http://www.latimes.com/business/hilt...#axzz2jPcI0f8w
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Old 11-01-2013, 03:07 PM   #2
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The sad truth is that Cavallaro has been very poorly served by the health insurance industry and the news media.


If only the news media was more Pro-Obama.
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Old 11-01-2013, 03:13 PM   #3
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The state of Indiana decided to lower the medicaid recipients' income from 200% to just 100% poverty level. Therefore many families will lose the coverage by 12/31/2013. The yearly payment for the medicaid is around $1000 with no deductible. You won't find any plan that comes close to this good.

So the plight of the people is due to the greedy insurance companies, the media, and the cold-heart red states.

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Old 11-01-2013, 03:25 PM   #4
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So, can she keep her current plan or not?
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Old 11-01-2013, 03:27 PM   #5
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Originally Posted by alpha_omega View Post
So, can she keep her current plan or not?
Why?

From the article, "This fits the very definition of a nonconforming plan under Obamacare. The deductible and out-of-pocket maximums are too high, the provisions for doctor visits too skimpy."
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Old 11-01-2013, 03:31 PM   #6
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Quote:
Originally Posted by Msmith View Post
Why?

From the article, "This fits the very definition of a nonconforming plan under Obamacare. The deductible and out-of-pocket maximums are too high, the provisions for doctor visits too skimpy."
Yep, I read that part. Just trying to find out if "you can keep your plan if you like it" is in fact the case or not.

Guess not.
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Old 11-01-2013, 03:39 PM   #7
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Quote:
Originally Posted by alpha_omega View Post
Yep, I read that part. Just trying to find out if "you can keep your plan if you like it" is in fact the case or not.

Guess not.
Flip or Flop? I was for it before I was against it... And you have to pass it to find out what's in the bill... All new-era politics...
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Old 11-01-2013, 03:40 PM   #8
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Originally Posted by GloryDayz View Post
Flip or Flop? I was for it before I was against it... And you have to pass it to find out what's in the bill... All new-era LIES...
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Old 11-01-2013, 08:34 PM   #9
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Quote:
Originally Posted by Msmith View Post
Why?

From the article, "This fits the very definition of a nonconforming plan under Obamacare. The deductible and out-of-pocket maximums are too high, the provisions for doctor visits too skimpy."
If you like your plan, you can keep it. Period. Guaranteed.
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Old 11-02-2013, 08:07 AM   #10
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Quote:
Originally Posted by patteeu View Post
If you like your plan, you can keep it. Period. Guaranteed.
Ah, ignoring the entire 2010 conversation about the Grandfather clause, eh.
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Old 11-01-2013, 03:35 PM   #11
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Quote:
Originally Posted by alpha_omega View Post
So, can she keep her current plan or not?
No, but the real bad news is that she can get a better plan for less. Sucks for her.
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Old 11-01-2013, 03:38 PM   #12
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Quote:
Originally Posted by cosmo20002 View Post
No, but the real bad news is that she can get a better plan for less. Sucks for her.
but what if she just wants to keep what she has? BO did promise a bazillion times that she could
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Old 11-01-2013, 03:42 PM   #13
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but what if she just wants to keep what she has? BO did promise a bazillion times that she could
What if she wants to keep the plan that offers her less coverage for more expense? Then she should take advantage of the plan's mental health provision and have her head examined.
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Old 11-01-2013, 08:38 PM   #14
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Quote:
Originally Posted by cosmo20002 View Post
No, but the real bad news is that she can get a better plan for less. Sucks for her.
It's deceptive to include the subsidy in the "cost" calculation like the author of this article does. You can bet that this product had plenty of purchasers who don't qualify for those subsidies who will also not be able to keep the "nonconforming" plan that they like. Indeed, this woman indicates that in some years, her income is significantly higher than it was this year.
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Old 11-02-2013, 05:55 AM   #15
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Originally Posted by patteeu View Post
It's deceptive to include the subsidy in the "cost" calculation like the author of this article does. You can bet that this product had plenty of purchasers who don't qualify for those subsidies who will also not be able to keep the "nonconforming" plan that they like. Indeed, this woman indicates that in some years, her income is significantly higher than it was this year.
Subsidies grow on trees so they're free.
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