Ad-Express and Daily Iowegian, Centerville, IA

Columns

October 24, 2013

Does Obamacare cover sticker shock?

Rebecca was stunned when she opened her mail last week.

Her insurance carrier, Highmark BCBS, said her health insurance premium would rise 40 percent this year and her policy would be canceled on Dec. 1, 2014.

She had purchased the policy in 2009, after her husband had passed away from lupus, which he’d contracted 10 years before. His employer’s insurance covered virtually all of the $1.1 million cost of his care during the last 66 days of his life.

With three children to raise, Rebecca knew how important it was to have good coverage. Her husband’s company covered her for three months after he died. That gave her time to buy her own coverage with Highmark — though paying the $400 monthly premium would not be easy.

She worked two or three jobs to make ends meet — jobs that allowed her to be home when her kids got home from school. She was thankful to receive $1,300 a month in widow’s benefits from Social Security, which her husband had paid into for years (she will soon lose these benefits when her youngest turns 16). Her combined income is $47,000 a year.

By scrimping and saving, she has been able to pay her mortgage and insurance, feed her kids and get the oldest two through college (thanks to several loans she is repaying).

So, she was stunned when she found out what her new insurance policy would cost.

The Highmark representative explained that her new policy had to meet all the requirements of the Affordable Care Act (ObamaCare). It would have to cover things she does not want or need — such as mental health problems, substance abuse and maternity care.

She asked the representative to help her choose a policy similar to what she had. The closest match he could find was a comprehensive PPO policy.

Her deductible would go from $1,200 to $1,500 per person, but her family deductible would increase from $2,400 to $5,000.

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Poll

The Iowegian wants readers to think about the solicitation ordinance that will prevent groups or individuals from entering a roadway to solicit money. The Centerville City Council in June by a 5-0 vote passed the first reading of just such an ordinance. Public pressure and during a subsequent special meeting, the council voted 3-2 to table the ordinance. A second special meeting to discuss the solicitation ordinance is scheduled for 5:30 p.m. Thursday, Aug. 7 at City Hall. So, the question of the week is, "Do you or do you not support the ordinance to prevent solicitation of funds in city streets?"

A. I support the ordinance
B. I do not support the ordinance
C. Not sure
     View Results
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