Wednesday, July 30, 2014

Some are confused

From page A5 | December 27, 2013 |

EDITOR: The interviewees in the Mountain Democrat article, “Affordable Care Act Continues to Produce Confusion and Anger,” indeed display considerable confusion, likely due to the misinformation and disinformation campaign waged against the ACA by Fox, Limbaugh, the MD and other right-wing sources.

Ellen Cirddle claims that her 62-year old son’s monthly income of $900 has to cover an insurance premium of $115 to AARP. Given his seemingly poverty-level means, Mr. Cirddle is eligible for Medi-Cal, so his insurance will cost him nothing. Mr. Cirddle may be the typical anti-Obamacare denizen, the vast majority of whom find it easier to blame “The guv’mint” instead of doing their homework.

Mr. Cirddle is like the lady in Florida who made a big splash on Fox, complaining of having to give up her $50 a month policy. When a reporter pointed out her policy had a lifetime limit of $2,000 per illness and a $500 deductible, Fox, unsurprisingly, did not air those inconvenient facts. How much meaningful coverage will $50, or $115 buy? In practical terms: none. But manyAARP-sponsored insurers target the elderly and the unsophisticated, specializing in ‘feel good’ policies that prove worthless in case of serious illness. Those are the policies, ‘scams’ really, targeted for elimination by Obamacare.

Also interviewed was a relative of Mr. Cirddle, Carlie Maxwell, whose family of seven could not afford private insurance, thereby qualifying for Medi-Cal. Yet, Ms. Maxwell complains that Medi-Cal imposes certain rules, as if private insurers don’t. Ms. Maxwell’s sister makes the same complaint. The extent of these ladies’ chutzpah boggles the mind.

Were the writer interested in facts (terra incognita at the MD), Placerville has lots of easy-to-locate people whose ACA experience is verifiably positive. Just today, I learned that the daughter of a friend, a single mother of 60 with a 7 year-old child, whose yearly income is $22,00, had been paying $450 a month premiums for herself and $82 for her child.

After a couple of admittedly frustrating weeks (now reduced to less than one hour) with the California Website, she was able to enroll in the Blue Cross Silver Plan. With a $420 Medi-Cal subsidy, this single mother now pays $60 for herself and zero dollars, for the child. Her yearly insurance costs went from $6,384 to $720. Saving over $5,600 a year is well worth a little frustration.

If you want to talk to folks with experiences similar to the lady’s above, contact John McCoy whose recent fact-filled letter in the MD, will enlighten you. His expertise on the ACA is probably unmatched in Placerville





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