Surprise! Obamacare health insurance exchange websites don’t work; HealthCare.gov a total mess | Twitchy
The latest casualty of Obamacare may be a low-cost New Jersey health-care policy. Though President Obama promised “if you like your health care plan, you’ll be able to keep your health care plan, period,” that will not be the case for approximately 106,000 New Jersey residents whose plans will disappear under the law.
Known as the “basic and essential,” or B&E, health-care plans, the policy costs as little as a couple hundred dollars per month and is the choice of 71 percent of New Jersey residents on the individual insurance market. It provides minimum coverage for things such as doctor’s visits and procedures that don’t involve a hospital stay. According to the Newark Star-Ledger, B&E policy holders will, under Obamacare, “be left with may be a choice among pricey, pricier and priciest” plans.
So what happened to the B&E plans? They don’t meet the regulations imposed by the Affordable Care Act because they do not cover services that the law will force every individual health-insurance plan to provide. The Star-Ledger warns that B&E customers who don’t qualify for a federal tax credit to purchase insurance can likely expect an three or fourfold increase in the cost of their next plan. According to Rutgers University’s Center for State Health Policy director Joel Cantor, the monthly plans of $150 for a 25-year-old male or $1,100 for a family with parents in their 40s will “easily” be three or four times more for a standard policy on the individual market.
Last year, about a quarter of those enrolled in B&E plans were under the age of 24. The plan is also popular among those who retire early and are looking for cheap coverage before they qualify for Medicare.
WICHITA, Kan., June 14 (UPI) –
A Kansas physician says he makes the same income and offers better quality care to his patients after he dumped all health insurance companies.
Thirty-two-year old family physician Doug Nunamaker of Wichita, Kan., said after five years of dealing with the red tape of health insurance companies and the high overhead for the staff he hired just to deal with paperwork, he switched to a system of charging his patients a monthly fee plus the price of an office visit or test, CNN/Money reported.
For example, under Nunamaker’s membership plan — also known as “concierge” medicine or “direct primary care” practices — each patient pays a flat monthly fee to have unlimited access to the doctors and any medical service they can provide in the practice, such as stitches or an EKG.
For adults up to age 44, Nunamaker charges $50 a month, pediatric services are $10 a month, and for adults age 44 and older it costs $100 a month. Although Nunamaker calls the practice “cash-only,” he accepts credit and debit cards for the fees and services.
Nunamaker and his partner negotiated deals for services outside the office. A cholesterol test costs the patient for $3, versus the $90 or more billed to insurance companies; an MRI can cost $400, compared with $2,000 or more billed to insurance companies.
The practice encourages patients and families to also carry some type of high-deductible health insurance plan in case of an emergency or serious illness requiring hospitalization, Nunamaker said.
Nunamaker said his annual salary is around $200,000, and he gets to spend more time with patients providing better care because he is not watching the clock and he gets to spend more time with this family.
Most of Nunamaker’s clients are self-employed, small business owners, or small companies that found the monthly fee and the cost of the high-deductible plan was a cheaper option, CNN/Money reported.
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