Every Year an Agonizing When Search for New Insurance


“Every Year an Agonizing When Search for New Insurance” : It happened every fall, after months of finding out his insurance deductibles, doctor network, drug list and other fine print for five years in a row, Cyndee Weston received notice that his policy will be canceled as of December 31 – and she will have to start.

55-year-old Miss Weston said, “It is going through all the plans and trying to compare, whose work does not come with insurance and there is a history of diabetes and melanoma.” This is the same scenario every year: ‘We are not going to renew your policy. ”

Under the market-based system set up by the Affordable Care Act, people are encouraged to shop around every year to find insurance that suits their medical needs and income. But the reality is that many – among them Mrs. Watson, the Executive of a trade association of Sulphur, Okla. – When insurance plans are excluded from the local market or excluded hospitals, and doctors from the network.

The Affordable Care Act increased the number of Americans with health insurance of 20 million people and the unnecessary rate decreased by 9 percent. But looking for new insurance insurers will take care of some people, especially those who continue to have medical needs or chronic conditions. Because of uncertainty conducted by President Donald Trump, the problem became complicated in a new way, whose law was canceled or revised, causing instability in many state and local insurance markets.

Marianne Udow-Phillips, head of the Michigan Healthcare Research and Transformation Center of the University of Michigan, said, “Every year, a number of people disappear temporarily or they go to different plans every year.” “And I’m guessing this year that would be a lot bigger, given the changes that are happening in the market plan.”

In 2014, more than half of the people, including Marketplace Insurance, are in the same plan in the same year, according to the Michigan survey, Ms. Udow-Phillips and colleagues worked. For the year 2017, almost one-third of the marketing was a new customer, i.e. there was other types of coverage before them or was unnecessary. For the 2018 registration season, which starts on November 1, and ends December 15 in most states? Millions of people will change the coverage.

Shop for insurance is essential for those who usually buy it for themselves, for example small business owners and self-employed people who are self-employed. For the year 2018, the online market has been listed, because of the premium increase for some plans, the wrong idea that the health law has been completely or partially canceled and the administration’s decision to cancel subsidies of 7 billion dollars.

There was no guess for this type of turnover when the law was designed. And people often take separate plans to meet job-based insurance or other coverage gaps because the market had high turnover before the law came into force. However, the recent turmoil has made steering especially through challenging systems, even the coverage rate has increased, analysts say.

Most of the people planned for the year 2017 are canceled because the insurers are redesigning coverage to exit the market or trying to keep under premium. After returning the money, Aetna and Humana closed plans for private market for 2012. United HealthCare louder aloud.

Counties like hundreds have only one market insurer in the following year, although competition in metropolitan areas is high. From 5.0 in 2014, the average number of independent market planners was reduced to 3.6 percent.

“I’m not going to say this ideal.” By studying insurance for the Health Policy Institute at Georgetown University, Sabrina Corlette said in Kerala, “What do we have”. “Finally, consumers will have to read the fine print and hopefully things are going to change from year to year.”

The impedance of what such unpredictability capture expenditure is supposed to be another major target of the Affordable Care Act next. Former President Barak Obama defamed a “broken system” that the protesting caretaker neglected; can be expensive, unnecessary treatment methods; and sometimes patients who are shuffled in between the doctors do not communicate with each other.

In other words, diabetics can diabetics to improve their diet, control patients’ blood pressure, asthma, and otherwise have to pay the insurers to care for and control costs. In the field of investment prevention, the thought went away, as soon as the insurance company has to be closed, because people are required to stay in an emergency room visit or hospital at low cost.

That equation fails, though, when people have new policies or a new insurance company each year.

Benjamin Sommers, physician and health economist at Chan School of Public Health, Harvard, said: “The US healthcare system has a long-term problem.” But ACA There is a concern with this. You’ve added a whole new level. “The emergence of insurance is particularly frequent with low-income families and irregular workers.

 When Search for New Insurance : For example, the unemployed people may be eligible for a plan under Medicaid, which in most states, health legislation has been expanded to the majority of adults in low income. But getting jobs, and salaries, may be inadequate for their Medicaid, increasing them for the subsidized Marketplace Plan – and a change in coverage.

Medicaid, which often comes in its own confusing menu of managed-management plans, usually covers people with lowest earnings. Affordable market plans for middle-income families.

In a survey of 2015 by Dr. Sommers and colleagues, about a quarter of the low-income adults reported that they changed the coverage in the last 12 months. It was less than expected, but still problematic, Dr. Sommers said that.

It was partly because more than half of the switchers had coverage gap in the policy, because many reported drug and poor health reports report. Even people who do not have a coverage gap, doctors can swap, avoid the trouble of Anglo-Booking, and emergency treatment is needed.

Even in some states, the patient’s active treatment keeps doctors from one plan to another, not for a healthy medical relationship or long-term treatment techniques.

Dr. Sommers said, “It takes time to work with the correct balance and correct procedure in patient condition”. “If you grow up with a new set doctor and new cover every year, it’s going to make it even more difficult.”

Mr Weston has transferred the transfer ground. For the year, he got the same insurer, Blue Cross Blue Shield of Oklahoma, which has dominated the state market for any specific plan for 2015, and it is the only marketing player.

But even though the carrier is the same and the Health Act requires insurers for all insurance, annuity plans are annoying plans for him to learn a new coverage design, write new papers with doctors and his primary physician will be excluded from the network. One year, Blue Cross “automatically records us in a bronze plan, which we do not want, so we choose another gold plan,” said Mr Weston.

Even when the insurer is in a market, they often change plans every year, by changing the coverage of the drug or increasing pocket costs, Ms. Corlette said. In the case of Mrs. Weston, often the old plan is canceled and customers need to stay in the switch.

“Blue Cross Oklahoma spokesman Melissa Clarke said,” Every year, we evaluate our planning proposal and coordinate our team to best get involved with the expected healthcare needs. “

After Mrs. Weston’s primary physician left the plan’s network this year, the insurer did not significantly change his doctor’s list, although he had difficulty finding a new one.

“I take some medicines, and I think if I go to a new doctor, they will change my medicine or it will not be covered,” she said.

Every Year an Agonizing When Search for New Insurance : A few weeks ago, Blue Cross told him that it would cancel its current plan on December 31. So miss Weston is shopping again.


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