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Politicub

(12,287 posts)
Tue Jul 9, 2013, 03:56 PM Jul 2013

Obamacare: Three sentences that say it all

I was poking around on the healthcare.gov site when I came across this gem in the pre-existing conditions section:

Being sick doesn't keep you from getting coverage.

Starting in 2014, being sick won't keep you from getting health coverage. An insurance company can't turn you down or charge you more because of your condition.

It's only three sentences, but for me it captures the essence of the miracle that is the ACA.

I'm sitting here tearing up at what this means for so many. What it means for me and my extended family. What it means for all of us.

This is what change looks like. And it's amazing to be alive to bear witness to so much history in the making.

25 replies = new reply since forum marked as read
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Obamacare: Three sentences that say it all (Original Post) Politicub Jul 2013 OP
People don't realize what this means Freddie Jul 2013 #1
Insrance companies used to and would have discouraged applicants Sheepshank Jul 2013 #2
And not be charged more than any one else by insurers Politicub Jul 2013 #3
I try so hard not to make it about me, but... Wait Wut Jul 2013 #4
Wow, Wait Wut.. Cha Jul 2013 #6
Thank you for sharing your story Politicub Jul 2013 #7
It's kinda mind blowing, Politicub! It seems never before Cha Jul 2013 #5
Right on! Politicub Jul 2013 #8
Joe Biden was prescient .. Cha Jul 2013 #10
I'll tell you what it means to me. ChazInAz Jul 2013 #9
Here's to our Cha Jul 2013 #11
K & R SunSeeker Jul 2013 #12
Kicked BornLooser Jul 2013 #13
Peersohnally, I'd like to see where in the ACA it says that all ready being sick snappyturtle Jul 2013 #14
Check out healthcare.gov Politicub Jul 2013 #15
Thank you. I'll bellieve when I see it....in writing! Sorry. There's so little I take on snappyturtle Jul 2013 #16
Have you attempted to read the law? Politicub Jul 2013 #21
I guess my problem with the ACA is that the government has done little snappyturtle Jul 2013 #22
Can't disagree with you about that Politicub Jul 2013 #23
I read a lot of stuff....but some topics, esp. insurance thingies, are just more than snappyturtle Jul 2013 #24
I enjoyed our convo, too Politicub Jul 2013 #25
Can't wait for the ACA!!! LVdem Jul 2013 #17
The part of the law that we've all been waiting for is almost here! Politicub Jul 2013 #19
I have 3 words that are just as good if not better: muntrv Jul 2013 #18
Think about what we're all about to gain Politicub Jul 2013 #20

Freddie

(9,687 posts)
1. People don't realize what this means
Tue Jul 9, 2013, 04:15 PM
Jul 2013

My brother is a cancer survivor and his wife had serious health problems as well. They are the most responsible people on the planet, their house is paid in full and they have substantial savings especially for their teenage daughter's future college.
All this could have been lost in an instant if my sister-in-law lost her job or had to go on disability (a real possibility) as they totally depend on her insurance coverage from work, since my brother is self-employed. (Always responsible, before their marriage he paid for a private policy). Now they are both uninsurable with major pre-existing conditions. If she could no longer work and his cancer returned, they would lose everything, their home, all their savings. Now with the ACA they will be able to buy insurance no matter what. What an unbelievably huge relief.
I utterly detest Republicans with a white-hot passion for their unending efforts to undermine this lifesaving law.

 

Sheepshank

(12,504 posts)
2. Insrance companies used to and would have discouraged applicants
Tue Jul 9, 2013, 04:25 PM
Jul 2013

by charging exhorbitant premiums if there was a preexisting. On a personal level "...(can't) charge you more because of your condition." is of extreme importance.

Wait Wut

(8,492 posts)
4. I try so hard not to make it about me, but...
Tue Jul 9, 2013, 04:36 PM
Jul 2013

...I'm a cancer and heart attack survivor with several other preexisting (from birth) conditions. I haven't had health insurance in over 12 years. Haven't seen a doctor in 10. Though I'm absolutely terrified to finally see a doctor, I can't tell you how grateful I am to our President and our Democrats for making it possible.

5 years ago my boss tried to get health insurance for me. It would have cost almost $1000 a month, plus they wanted me to sign a rider that would have exempted almost any health issue. Somehow, anything could have been related to any of my preexistings. The only thing it would have covered would have been an accident. And, I'm sure they would have fought that, as well.

The numbers keep fluctuating, but I'll be paying somewhere between $65-$150 a month. I can afford that. I could possibly stay alive long enough to hold a potential grandchild.

So, I'm giving myself a break this once and letting it be about me. It's pretty cool that a lot of other people that have much more important lives will benefit, as well.

Cha

(305,195 posts)
6. Wow, Wait Wut..
Tue Jul 9, 2013, 05:03 PM
Jul 2013

glad you were able to survive the onslaught of medical conditions!

It must be so comforting to know that just around the corner you're going to be able to get health coverage that you can Afford!

Cha

(305,195 posts)
5. It's kinda mind blowing, Politicub! It seems never before
Tue Jul 9, 2013, 04:54 PM
Jul 2013

have people been able to get affordable health insurance with pre-existing conditions.. and in 2014 it will happen. Children are able to get it now.

And, from sheshe's OP.. here's another "fact or two" that will help people out..

http://www.democraticunderground.com/110212098

No wonder the republicons want to repeal it.. it's not especially easy on Insurance Companies.. and helping Americans who need it? that's against their credo.

BOG

Politicub

(12,287 posts)
8. Right on!
Tue Jul 9, 2013, 05:12 PM
Jul 2013

The major provisions are right around the corner and it's only going to get better and better as time goes by.

If I were one of the ACA naysayers or part of the GOP, I would be quaking in my boots, too!

I truly believe that Obamacare is going to be woven into the fabric of American life alongside social security and Medicare.

It's so big and important, cha, that I can hardly wrap my head around it.

ChazInAz

(2,772 posts)
9. I'll tell you what it means to me.
Tue Jul 9, 2013, 05:19 PM
Jul 2013

In signing up for insurance after retiring last year (I retired early, no Medicare, yet.), the already kinda high rates jacked up when they found out that I have hearing aids, wear glasses, had osteomyelitis and walk with a cane occasionally. It doesn't matter to them that my health is unusually good for a 63 year old guy. It doesn't matter to them that I bicycle most places that I go. It doesn't matter that even without glasses I see well enough to drive. The fact that I look like and act I'm forty? Actuarial tables say that I have to pay more.
So, yeah, those three sentences mean a lot to me.

snappyturtle

(14,656 posts)
14. Peersohnally, I'd like to see where in the ACA it says that all ready being sick
Tue Jul 9, 2013, 06:43 PM
Jul 2013

will not bring on higher premiums. I have understood only that insurance companies can't deny coverage. BUT, at what cost?

Politicub

(12,287 posts)
15. Check out healthcare.gov
Tue Jul 9, 2013, 06:50 PM
Jul 2013

It's a fantastic site. There's an interactive tool that you can use to describe your situation. And after you do that, the site returns a general overview of what the ACA will mean for you.

There's a lot more about premiums and pre-existing conditions here: https://www.healthcare.gov/what-if-i-have-a-pre-existing-health-condition

Pretty cool, huh?

snappyturtle

(14,656 posts)
16. Thank you. I'll bellieve when I see it....in writing! Sorry. There's so little I take on
Tue Jul 9, 2013, 06:56 PM
Jul 2013

someone's "word" anymore. Sad, but true.

Politicub

(12,287 posts)
21. Have you attempted to read the law?
Tue Jul 9, 2013, 07:30 PM
Jul 2013

It's a serious question and I'm not trying to be rude. The media made the bill sound more intimidating than it actually is.

I'm on the wonky side, so I read much of it. There's a lot to like about Obamacare. Everything on healthcare.gov is from policy based on the guidelines set forth in the ACA. The entire bill can be found at http://www.hhs.gov/healthcare/rights/law/index.html.

You can run a search for the issues you care about. It's all there in black and white. And good reading if you like that sort of thing.

snappyturtle

(14,656 posts)
22. I guess my problem with the ACA is that the government has done little
Tue Jul 9, 2013, 07:51 PM
Jul 2013

to explain it and I think that has definitely fed into mistrust. OK there's a website that even a wonk admits it's ..."good reading if you like that sort of thing". I guess I was posing a question that may be on many folk's mind....that is all. I'm now on Medicare since last Fall so......

Politicub

(12,287 posts)
23. Can't disagree with you about that
Tue Jul 9, 2013, 08:13 PM
Jul 2013

The awareness campaign is getting started, but I wished they would have primed the pump more, too.

My husband says the same thing, BTW. "Why should I have to read a law??" So you're in good company.

Here's to medicare!

snappyturtle

(14,656 posts)
24. I read a lot of stuff....but some topics, esp. insurance thingies, are just more than
Tue Jul 9, 2013, 10:28 PM
Jul 2013

I want to read and HOPE than I've interrupted correctly. Thanks for your kind manner. I've met some vitriolic replies today.

Haven't used Medicare...just pay $300 a month. Guess I should get a check up or something!

LVdem

(524 posts)
17. Can't wait for the ACA!!!
Tue Jul 9, 2013, 06:57 PM
Jul 2013

A couple years ago my wife and I tried to get long-term care insurance. We're both in good health, go to the gym, don't drink too much and watch our weight.

We were both denied coverage. I have osteoarthritis in one knee. The insurance company MIGHT consider me for coverage IF I had a total knee replacement... Nice. My wife had part of her thyroid removed and is on some meds for that. So there we go. At that point our long-term care became save as much money as we can.

Come on ACA.

Politicub

(12,287 posts)
19. The part of the law that we've all been waiting for is almost here!
Tue Jul 9, 2013, 07:13 PM
Jul 2013

I grew up poor, and my dad, a laborer, wasn't able to get health insurance. He had to have emergency surgery and we almost lost our home, which he built with his own two hands. Thank goodness that the hospital was able to get some kind of poverty assistance for us, but we came so close to losing everything.

That was more than 20 years ago, and I have thought often about sitting with my mother in the hospital business office as she signed some kind of paper that put our home in jeopardy. It was a defining moment for me and animates my passion about the ACA.

So when the House passed the ACA, I was stunned. Then I cried. And then I broke into a happy dance!

The bad old days are almost behind us.

Politicub

(12,287 posts)
20. Think about what we're all about to gain
Tue Jul 9, 2013, 07:22 PM
Jul 2013

Our feudal system of putting control of health insurance in the hands of employers is ending. This is an important step in the long march toward a public option or a Medicare part E for everyone.

We still have a lot of perfecting to do to our union, but the ACA is a huge leap forward. And I'm grateful for President Obama's leadership on this issue.

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