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Politics : View from the Center and Left -- Ignore unavailable to you. Want to Upgrade?

To: Alex MG who wrote (213828)	1/3/2013 3:14:06 PM
From: Bread Upon The Water	Respond to of 541604

Get new coverage first before canceling.

To: Alex MG who wrote (213828)	1/3/2013 3:22:22 PM
From: Ron	Read Replies (1) \| Respond to of 541604

States are going to vary in the way they implement the Affordable Care Act. Some will be online faster than others. You could contact your state Insurance Commission and see what they say. For example will you have state or Feds running yours? When will their co-ops kick in and who will be eligible, etc. I think the Affordable Care Act is an improvement, but the damn thing is complicated, which has made it vulnerable to all kinds of misinformation and folks who like to take advantage of the confusion for political gain. Can we spell D-e-a-t-h P-a-n-e-l-s?

To: Alex MG who wrote (213828)	1/3/2013 6:57:43 PM
From: John Koligman	Respond to of 541604

What I'm saying is that for existing policies the ACA apparently allows 'grandfathering', which means that (at least in my case with BC/BS) they have specificially stated that the provisions which cover 'preventive' tests such as colonoscopies in full don't apply to policies written prior to the ACA... I suspect most insurance companies will take advantage of this loophole, to our disadvantage. I'm planning to wait until the exchanges are running in my state and then reapply for similar insurance and switch to a new policy, assuming that the cost is not substantially higher. As others here have stated, if you want to try and reapply now, don't cancel your existing insurance until your new policy has been approved! Good luck, John PS - I will add that my policy did end up covering most of the cost of my wife's colonoscopy, but under the ACA with a new policy it would have been covered in full...