Your Pre-ex is not covered under ACA....... when you can't find a doctor to treat your Pre-ex condition.
Not everybody can pay 33% more or hundreds of dollars a month to "buy up" to an EPO or PPO
network (if even available). Which also contributed to the ACA implosion as the best networks are targets for adverse selection. This is why AZ went from 13 PPO
carriers down to 1 HMO
. Nobody took the low cost HMO
each of the 3 years, which set a low tax credits, and to keep your doctors, you were forced to buy up the network and pay much more.
(Metro Phoenix we have 300k on the ACA, the network only has 31 endocronologists, we have 12 gynecologists, 219 OBGYN's, 68 oncologists, and probably 1/3rd are listed incorrectly. The best hospital chain is not in network, and every senior in Sun City is 10 miles from nearest hospital.
And not everybody can just choose to forgo the APTC and buy OFF exchange to avoid the O'care label.
Try a little experiment, and report your findings.
1. bring up the HMO
carrier in your state that was the benchmark second silver plan that most subsidized clients buy.
2. Search their network for an oncologist, or a PCP.
3. Call a handful looking for an appointment within next 2 months.
You will find:
1. Even though they are on the list, they are not contracted and don't know why they continue to be listed. Too bad the client purchased based on that list. Or, they've decided mid year or stop taking or honoring the contract. Most won't file a complaint.
2. Disclose that you are on Obamacare and ask if they will see you. You will feel the scarlet letter "O" on your chest.
3. Good luck getting in within a couple months to treat the condition due to overload of patients to doctor ratios.
And with someone recovering from Cancer, and had a bad experience with O'care in CT and not being able to see doctors, I ain't gonna promise that FB doctors will show their love if he buys on marketplace.
The first step is to admit their is a problem, have yet to hear it from anyone on the left.