Obamacare and My Daughter
“In two years, the surgery will cease to be available for the insured due to Obamacare.”
December 16, 2012 - 12:06 am
In May, we were blessed with a beautiful baby girl. Three of her fingers were fused together. We understand that it will become an issue later as she grows if untreated, but there is no pain or concern in the short term. She has full control of both hands, and is able to manipulate objects and feed herself, just as any six month old would do.
There will certainly be appointments before and after treatment that include the specialist and the primary care physician. Both offices are reporting that access to doctors is becoming more difficult. Both offices are reporting decreased options for medical services and for drug therapies. There is now a two-week wait for the doctor, because most patients require two appointment slots — one for discussing existing problems and one for discussing new problems. There is a six-month wait for non-urgent visits at the specialist. Since laws do not become simpler with time, it is a certainty that wait time for medical staff will increase as new regulations are rolled out.
We have met with various medical professionals to discuss treatment options. There were several possibilities discussed, and we were able to weigh these options for the best fit: Zoe’s surgery is scheduled for the day after Christmas.
We knew that surgery was likely in the near future and chose to select a top-notch full coverage insurance plan this year.
The hospital informed us that this is a fairly new operation perfected over just the last five years. However: this surgery will “cease to be available in two years for insurance patients due to ObamaCare.” This is a quote from the flustered nurse at the hospital.
This plan pays all costs incurred after the deductible, provided the services are provided in-network. The plan goes away in 2014 as a result of the health law. The best new plans to replace this will pay for 90% after deductible, and will cost more. If our daughter was born just two years later we would pay more for insurance, have inferior treatment options, and be triaged (meaning delayed) for treatment. That, in my mind, is regressive. It is not progressive as many would have us believe.