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I have resisted from writing posts on this blog because it seemed that I was always saying the same thing. To people who wanted to stay away from my services I would offer:

  • Be born to healthy, wealthy parents
  • Live around healthy, wealthy neighbors
  • Pick the least processed food option to eat
  • Stay physically active
  • Stay in school until you get an advanced degree
  • Get and keep a job in air conditioning
  • Don’t take up cigarettes, drink alcohol only in moderation, avoid illicit drugs
  • Avoid narcotics for pain unless for surgical pain and then only for 3 days.

The other thing that people on some level realize is that that even if they do this things they will end up needing access to the healthcare system eventually. If you know anyone with cancer, who has been in a car accident, or any octogenarian you know this to be true.  Once you realize that, despite your best efforts, disease occurs randomly then health insurance becomes a necessity.

With the passage of Obamacare, I no longer needed to explain to people that not all health insurance was created equal. Obamacare required coverage for preexisting conditions, improved healthcare quality, and dictated what must be included in health insurance policies. In other words, people who buy Obamacare policies now know what they are getting.

Except that Obamacare is dead. The Trump administration just approved short term, limited duration health benefits.  Trumpcare is the new thing.

The new Trumpcare plans will be cheap for people who are healthy enough to qualify. But they don’t cover much. If you find you’re having a baby, or need a weekend stay at a hospital, or even something as exotic as prescription drugs, you’re out of luck. The Journal editorial page insists this will all be fine, because “not everyone needs all benefits,” and also, “[t]he HHS rule also stipulates that issuers must prominently display a notice that the coverage isn’t compliant with the Affordable Care Act. Everyone will know what they’re buying.”

If you buy a Trumpcare policy here is exactly what you will be buying:

You may not be able to get one. Companies selling Trumpcare policies can elect to limit their policies to people in good health. They can do this by discriminating based on health status, gender, age, and any other factors that predicts that you might actually USE the policy. The discrimination can be outright denial, very high premiums, or excluding coverage for pre-existing conditions. You might get insurance but not for your heart condition after you went to the doctor for palpitations, for example.

So you get a policy, now what? Hope you read the fine print. Obamacare has 10 elements that must be provided for it to be called health insurance. Trumpcare policies, on the other hand, typical do not cover maternity care, prescription drugs, mental health care, preventive care, or other essential benefits. Don’t like the $5,000 Obamacare Silver plan out of pocket limit? Trumpcare has limits as high as $20,000. This means that of the 5,000 adults cared for in our hospital this past year, Trumpcare would be of little or no help to over half of them.

That’s OK. People need to live healthier. You intend to only use it if you get, say, bad cancer or a in a terrible car wreck. Funny story, that. Policy caps are as low as $250,000. Which means that another 70 people would pay their $20,000 and then have to pay hundreds of thousands of dollars out of pocket because they were TOO sick.

Buying a Trumpcare policy, then, might be cheaper and might even make you feel better. At least until you get sick.

 

 

 

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