Our monthly premiums went up every year before Obama became president, and after. I don't know if that's because we are self employed or what.
We had Kaiser for several years and I absolutely loved them. It was so convenient. It eventually got too expensive and we had to switch.
Premiums went up because insurance companies have a lot more they are forced to pay for. Your physicals and mammograms may be free to you but they are not to your insurance company. A lot of the changes were about preventing medical bankruptcy. Many people were buying catastrophic policies, some knew that was what they were buying and others did not understand the terms well enough to understand just how little coverage they truly had.
My premiums have also gone up every year before the changes, I didn't get more coverage for the same money until the reform.
It drives me crazy to hear people call health care reform Obama care as though it were a type of insurance. I have seen many people say I want insurance but not Obama care.
I understand more about reform than I do actual policies having had Kaiser for probably 10 years, before that I was with a company that was self paid.
Problem with a company that is self pay is if you or a family have an extremely expensive medical condition they try to get you out of the company.
What we are doing is not going to work in the long term, because insurance is using the electronic record system to even further control your health care provider by tracking his procedures and diagnosis to find ways to withhold pay.
A doctor's goal is to make you better or manage your condition to help you feel better. An insurance companies goal is a to find a way to keep as much of the money you pay for premiums. You want your doctor paid for his service when he does a good job.
I am shopping for insurance that will pay my doctor well without robbing me blind. He is one of the most caring doctors I have ever met and the computer games are burning him out. He has to figure out how to get the computer to allow him to treat me the way he thinks I should be treated. One mistake one blank not filled in and he doesn't get paid. It is not just him it is all doctors now. My dad has to have every single treatment plan approved and not all get approved because the insurance company has already decided what treatments are allowed for his cancer. They could not care less whether he lives or dies, just what it cost.
The computer demands a diagnosis immediately, right or wrong this is a permanent record. Every doctor or specialist sees this and automatically believes that diagnosis the doctor had to put in to try a treatment he hopes works.
When others read it, they simply add their diagnosis on top of the previous, there is no removal of the prior diagnosis if it was wrong.
I found that a doctor had put in kidney disease as a diagnosis for a kidney infection. Did it get changed? no because the nurse putting in the info did not have the authority to change it.
Do you know how many medications or treatments I may not be allowed to get because of that.
If we all focused on paying our doctors and their support staff as well as possible the answers to our health care problems would solve themselves.
That is where I am at, trying to keep the best doctor I have ever had and making sure he gets paid every penny he deserves.