Care versus Coverage


News of what might be Obamacare's most serious medium-term failing came to me thirdhand. Longtime Sharp VodkaPundit Reader™ cfbleachers alerted me to a Neo-Neocon column based on a Washington Examiner "Watchdog" article by PJM alumnus Richard Pollock. There is so much slow-motion fail built into the 2,000 page law, and so little of it is covered in depth by the mainstream media, that thirdhand is often the only way to learn what's really happening -- and what is yet to come.

First, the beef from Pollock:

Former New York Lt. Gov. Betsy McCaughey, a Republican who is now a health care advocate, said Obamacare’s lack of first-class hospitals is a big problem.

“It’s not just the number, but who they are. You’ll find under the Obamacare exchanges that the academic hospitals have declined to participate, along with the specialists who practice at those hospitals. The same is true of cancer hospitals,” she said.

“People who are seriously ill need to stay away from these exchange plans,” McCaughey said.

I need everyone reading this to fully understand the implications of what McCaughey said, so I'm going to spell this out for you bluntly. The only way to receive an Obamacare subsidy is to buy insurance through one of the state exchanges or through But doing so will automatically exclude each and every ACA buyer from the nation's top hospitals and specialists. In other words, the very people who were supposed to be receiving all the wondrous benefits of the "Patient Protection and Affordable Care Act" will instead be relegated to second- or third-class care. Not to mention higher deductibles.

From there, as difficult as this might be to imagine, things get worse. Let's go to Neo-Neocon herself:

For those with employer-based insurance, they can stay away (for now—we’ll see how that changes next year). Employer-based plans still have good networks. But people without employer-based insurance who must seek individual policies don’t for the most part have access to those networks, they only have access to the more narrow Obamacare networks.

You might say, “But what of people who buy individual insurance off the exchanges? Can’t they circumvent the problem?” After doing a lot of research (including phoning insurance companies), everything I’ve read and heard points to the fact that the entire individual health insurance business has restructured itself to conform with Obamacare, and that individual policies off the exchanges are the exact same policies as those on the exchanges.

The emphasis is in Neo-N's original, but at this point it almost seems superfluous, like worrying about the chance of rain during a volcano eruption.