My health insurance is via a non-proft umbrella group.I got a letter yesterday assuring me that may plan was NOT NOT NOT canceled (actually in a single page letter that managed to fit in a phase about NOT being canceled FIVE times). They even included a second page with a little chart comparing their plans to O’care crap and the Granfather requirements. Then explained how all the plans through them have BETTER and MORE extensive coverage for LESS with lower copays and deductibles than anything on the exchanges. The plans are so good they are not considered to be grandfathered those who moved from on plan to another after the passage of the Obamacare bill, that no one read in 2010, are OK. They are holding workshops to explain just why participants can ignore anyone trying to push them onto the substandard exchanges. This a groups for non-profits in Metro DC. I am sure someone will be visiting their offices at the behest of Val and pals as I type for daring to point out that O’Care plans are not all that.
OMG, obviously the person that penned that letter is clueless. Zero is about as thick skinned as Pooter. I honestly cannot believe that someone actually sent out something like this without the stassi (valjar) knowing about it? They are working 24/7 (meth workers don’t work as hard) to prevent the death spiral. Too late, it is happening already. The country is scared to death of this monster.
I assume they were getting flooded with phone calls by small non-profits panicking that that their employees would be out in the cold and had not heard anything from their insures or the group. The agency then wrote up something to calm people down without thinking about how Zero (hey it rhymes with Nero). Perhaps they are small enough to fly under the radar – or in this case – they are in the no fly zone around DC – so perhaps the drones can’t reach them. Or there are so many fires – their little roast would not be important enough.
It does make one wonder how many others are having to spend resources to calm the seas for those that are covered by an current and acceptable employee plan but are in a panic because they see freinds/neighbors/relatives getting cancellation letters and assume their got lost/will come too late to find another option,…..
I have to tell you that their is panic within the medical community as well. Everything is up in the air. No one really knows much about anything. Most of the managers that I speak to are watching and waiting nervously. Visits to physicians are a must do visit, anything elective is either canceled or being rescheduled. Some things are being moved forward. The government shutdown has nothing on this mess. Barry and co own this one.
I don’t think anything is a given and I have kaiser the granddaddy of the HMOs and they have been eerily silent. This letter from the benefits group is the first word I have had. I do know that few are hiring people for full time jobs around here. These jobs that are open are contract and more and more people are being reclassified as contractors so health care, retirement, what ever is on the worker.
Many of hospitals here have been in semi panic mode since 2010. Or at least those that do charity care – because it means a huge shift – less reimbursement for charity/indigent care and a lot more bad debt from those that cannot afford the high deductibles and 50/50 plans.
Eerily quiet but the undercurrent is panic. Lots of restructuring. Some of my friends are having to allow auditors to come in so that they can justify the payments that are being made and try to cull a little extra pennies here and there. It’s all very low key, but it is happening. Every entity is trying to figure out how to cull more from the lifeless turnip.
O/T In a bizarre twist of fate, my eldest brother was recently diagnosed with pancreatic cancer. Given that the my other two brother have also had major health problems, including one with a different type of pancreatic/bile duct cancer, he did not wish my mother told. Before he could decide what he was going to say, he passed away less than three weeks after diagnosis. As the only child here, I of course got to tell my mother. I was somewhat prepared given that health status of the other brothers, but never thought I might have to give her such news for more than one child. I am just glad she is no longer living alone. I am still watching because she is now trying to be stoic. He at least got to see his own children grow to adulthood and has three grandchildren he had time to enjoy.
Mt Laurel, is the brother with pancreatic cancer doing okay? I know that you told me that the zerocare choice was not helpful as it turned out to be very high and cost ineffective. I pray that your mother will have the strength to get through the next few years. We will all be seeing a new version of what care is.
So far the younger brother with pancreatic is doing OK. He was able to get on a couple research protocols and is covered for most things (for now).
The location of the tumors for my oldest brother were inoperable (the other brother was able to have the Whipple procedure last year and it made a huge difference). It was so advanced when it was found in October, that he likely would just have remained on palliative for the duration. Nothing else would have been offered. He was given 4 – 6 months at best and did not even make it one.
Mom is doing OK. She is taking it harder than she wants to let on, but I knew she may be 90 but is still capable of understanding that the types of pancreatic are very different. The coincidence of two brothers with similar cancers has spooked people a bit.
For me, it was just such a shock. I had thought my oldest brother would live to be 100. he was always so hail and hearty.
I am glad that he was able to get some relief. That is good. I can’t imagine how difficult this is for your mother. As a parent, it is the very last thing that you want. Anything and anyone but your children.