Do you believe the Affordable Care Act-ACA provides health care or it's just a pass through billing service offering no medical care at all?

  • by a
  • Jan 13,2018
  • 13 answers

I have spoke with health insurance providers about health care. They will not provide any medical advise or services. Referring me to a Medical Professional for my health care needs. I have been limited on my health care needs by my health insurance provider. Making them a legal death panel. Contradicting themselves by making medical needs decision when they have know medical license of experience. They seem to be putting profit before Our health and well being.


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Insurance Answers (13)

Agnieszka 6 months ago

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Casey Y 6 months ago

The ACA is a law...how could it provide any healthcare whatsoever? You want someone to pay for healthcare, you need insurance companies and guess what, they want profits as they are businesses not charities...
Would a single payer system help? Sure. Would we still have death panels? Yup... Will the single payer system actually provide any health care? No. Providers will always be the ones providing care...not laws.

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Flower 6 months ago

I dont think the ACA was a good plan. We still have 20 million uninsured because they cant afford it, even with government subsidy/tax credit. If you dont want to buy insurance you can go to a county clinic for care. The individual mandate has been eliminated.

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Insurance Pickle.com 6 months ago

It sounds like you're confused. The law says you have to have health insurance - which now the new tax law says you won't get fined if you don't. The health insurance you get helps pay the bills. Health insurance is not health care. Health care is provided by medical providers - doctors, hospitals, etc...
Yes, health insurance has contracts with providers to help lower the cost of care. These aren't "death panels." It's a network of doctors/providers that have agreed to certain fees. This is financial protection for you. Otherwise, doctors/providers that don't agree to these set fees can charge whatever they want.

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David 6 months ago

The Affordable Care Act is just that: an ACT !!! It is pretending to be something it is not. It is NOT "affordable," nor does it provide "care."
Businesses used to have a saying: "The customer is always right!" That means, if the customer is dissatisfied with service for any reason, it is up to that business to look into the complaint, and see that his issue is resolved. If not, the customer could always go to a competitor, who would be more than happy to get his patronage.
The Government doesn't worry about that. Their billing bureaucracy can charge huge premiums, a $10,000.00 deductible, and even bill you fraudulently. But you can't complain, because they keep you running around in circles, or putting you on hold! They don't need to satisfy anyone, because Obama forced you to pay for it, whether you like it or not!
Communism is stupid; those who fall for it are even more stupid.
Even so, come, Lord Jesus!

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mbrcatz 6 months ago

Neither. Obamacare is a LAW. It provides no health care, and doesn't do pass-through billing, either. If you have an "obamacare" plan, that means, it's a plan that is through one of the state companies that qualifies for a subsidy. Yes, many providers won't take it at all. Yes, even Obama said, "Maybe grandma won't get that heart surgery, and we'll just give her a pain pill."
Doctors and hospitals provide health care. And there are third party companies offering billing services, but they bill for the doctors and hospitals who provide the services.

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A Hunch 6 months ago

Yes. I pay 100% of my health insurance premium. I have been to the insurance marketplace; I don't buy my insurance through it because I'm not eligible for a subsidy. You can typically get better plans for the same costs direct through the insurance companies or via a broker.
Although the Affordable Care Act sounds like is about healthcare it is not; it's an insurance reform law.
Most laws aren't related to what the name/nickname of the law. For example: The WARN ACT - The Worker Adjustment and Retraining Notification Act of 1988 name makes it sound like it's about job retraining. It's not - it's the law that governs employment layoffs.
Of course, the insurance company is not giving you any advice on medical services or healthcare. They are an insurance company not a medical provider.
The insurance company does not determine what is medically necessary. The medical provider determines that and provides the information to the insurance company. If you are denied coverage, your medical professional can appeal the decision by outlining how it is medically necessary. If the treatment is medically necessary and covered by the FDA, then your insurance will cover the treatment.
HaHa... insurance company profits? Many health insurance companies are non-profits = Blue Shield/BlueCross, Kaiser, etc are non-profits.
It's difficult to believe that you were quoted $26000 for insurance premiums for 2018. Colorado is the most expensive health insurance state = for 2 adults age 50 with 1 child the average premium (in Denver) = silver = $1500 per month; bronze = $1200 per month.
Note: I don't think $1200-$1500 a month is an affordable amount! This is why I am a strong supporter of ACA reform.

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acermill 6 months ago

Health insurance providers are NOT medical personnel, and are not allowed to provide medical advice of any sort. As well, they are not legal death panels. Those to whom you speak only check whether or not your particular health policy covers certain services provided. If you do not like your coverages, you are advised to obtain a more comprehensive policy. Of course, the price for that will probably be higher. Your call.

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lorili 6 months ago

ther ACA is just another tax put on you from the left

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James 6 months ago

that's why a single-payer system is needed - to prevent the insurance companies from getting between you and your doctor

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Greg 6 months ago

Welcome to medical insurance. Yes the companies decide what to cover but you can still pay for things they won't. The ACA does not provide health care. It mandated some elements of coverage and that everybody got insurance, which millions of people ignored, and took money from the middle and upper income people to give it to the poor for coverage.

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Kwest 6 months ago

A friend of mine said he'd be dead if not for it.
Yes, big pharmy and insurance companies do put profit before Our health and well being
but that's not ACA's fault

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Cupcake's Princess 6 months ago

Medical professionals provide medical care. The ACA provides a way to pay for it. While not perfect, the ACA has made it possible for millions of people to receive health care they can afford.

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