this is about the health insurance coverage in the united states
here are some terms defined in my words as i understand them
lifetime limit
most policies use to have a maximum lifetime limit they would pay of $1,000,000
when you reach that amount well you dont have coverage anymore
in the present law there is no lifetime limit
powers that be are trying to do away with the no lifetime limit
in my circle of family and friends i am aware of three kids that i call the million dollar babies
one being my grandson
they in the past would have met their lifetime allowance
they would not have coverage if they change the law
if the disease is ongoing like with my grandson mr h it would be a catastrophic financial disaster for them
my advice
dont let them meaning the politicians get rid of this
you and your family may be next
dont let your politicians get rid of this one even if your party supports getting rid of it
maximum out of pocket
this is the most you will have to pay out of pocket in a year
the amount is based on which policy you buy and how many are in your family
when you reach this amount the insurance pays 100%
yes
the politicians are trying to get rid of this one also
again
dont let your politicians get rid of this one even if your party supports getting rid of it
now this one is the biggie
preexisting conditions
when i think about family and friends i realize that almost all of them have preexisting conditions
eg if you have asthma
you wont be able to get coverage for any of your asthma care
yes
the politicians are trying to get rid of this one also trying real hard
again
dont let your politicians get rid of this one even if your party supports getting rid of it
preventative health care
yep
the politicians are trying to get rid of this one
for kids that would be well child care and immunizations at no extra cost
remember that cost is included in your premiums
for women that would be your annual visit with pap and mammograms and bone density and birth control
again this is figured in what you pay for your premiums
for men for those who do preventative care includes the finger test psa screening labs colonoscopy
yes
the politicians are trying to get rid of this one also trying real hard
again
dont let your politicians get rid of this one even if your party supports getting rid of it
theres more in the coverage that we all have been enjoying the last few years granted we are paying more
in the last election the majority of americans supported the health care laws and didnt want them changed
so dont let your politicians go against your own best interest
dont support them just because they are democrat or republican
think about yourself and your family and what it means
now these changes if they were voted away would affect medicare medicaid champus employee health insurance private health insurance and insurances bought on the exchanges
we all 100% of us would be adversely effected
be real real careful of buying the new crappy health policies that are now being allowed without any of these coverages above or below
youll pay less money for these crap policies each month for hardly any coverage and no protections
i just went on the coveredca website and pretended i was a 45 year old couple with two kids living in santa barbara making $75,000 a year and picked the silver ppo policy the one most folks use to compare policies
the policy would be with california blue shield the same supplement my wife she uses with her medicare
the monthly premium would be $614 a month after a $1104 tax credit
lifetime maximum no limit
yearly deductible $5,000 family $2,500 individual
maximum out of pocket $15,100 family $7,550 individual
pcp $40 copay
preventative care $0
etc etc etc
you can see what would happen to you or this family if these protections are taken away
it would take one medical event to wipe you or this family out financially
so
in summary
dont go against your best interests and those of your family and friends
dont support changing these coverages
we
all of us
will lose
big time
the organicgreen doctor
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