Flopper
Diamond Member
Levemir is covered on my insurance, Regence Blue Cross Blue Shield as a Tier 2 drug which on my plan is a $40 copay.I've never heard of an insurance company that didn't cover levemir until I got Obamacare. It's like not covering penicillin.Each insurance company decides what drugs it will include it's formulary. No insurance company now or before Obamacare covers every drug. One of the steps in picking an insurance company is checking their formulary to make sure the drugs you need are covered.It has to do with whether my prescriptions are covered, you fuckng dumbass. The solution is repeal Obamacare.The ACA has nothing to do with drug prices.Hmm, yeah, that's why the last time I got prescriptions renewed under my Obama plan the cost for Levimir alone was $500. That's the full price.All plans on healthcare.gov have prescription coverage. The average deductible for silver plans on healthcare.gov is $3,110 for a 30 year old. The average premium before subsidies is is $312 and $284 after subsidies. The cap on out of pocket cost is $6110. Above that, all medical expenses are paid with no limit. That is not worthless coverage.
In 2007, before Obamacare, when preexisting conditions was used in individual plans to filter out customers likely to have high medical costs, the average premium of a individual policy was $158/mo. The average individual deducible was $1972.
In 2007, individual plans had far less coverage than plans today. Only 24% of the plans had maternity. 16% of the plans had no drug coverage. 30% of the plans had no chiropractic coverage. 20% of the plans had no mental healthcare coverage. Essential all plans had lifetime maximums and half the plans had yearly maximums. There was a wide variation in preventive care coverage. Some plans included nothing and others include most of the current preventive care in Obamacare but essential none include all the preventive care in current plans.
Although individual healthcare plans prior to Obamacare had far more benefit choices than those today and thus greater variations in premiums, comparing plans was almost impossible because of variation in coverage between plans. Even when the benefit plan summary was the same, in 1/3 of the states the actually contracts could be quite different. Today, the law prevents insurer from putting loopholes in the contract that allow insurers to deny coverage.
Although individual plans today are more expensive and have a higher deductible they have much more coverage and are available to everyone, not just the most healthy.
Silver Health Insurance Plans
http://www.ehealthinsurance.com/content/expertcenterNew/eHealthCBreport2008FINAL.pdf
Obamacare sucks. I know because I had an Obamacare plan.
The so-called "cost" of Obamacare plans you posted is irrelevant since you ignore the fact that the deductible per family member is $6500. That kind of "insurance" is worthless. You are comparing apples and oranges: the cost of worthless insurance vs. the cost of real insurance.
And, I'm right behind you on the problem of drug prices.
Please suggest a solution.
Since Obamacare was passed practically everything that people hated about their insurance company or healthcare in general was blamed on Obamacare. Well guess what? That's going change because there will be a new healthcare plan owned by Republicans who will then own America's healthcare problems.