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Seniors beware if you signed up for Obamacare

Now that the Obamacare is in full swing and those individuals signing up for health care coverage on the government exchanges are in for a not so pleasant surprise. What is the surprise? They will have insurance, but may not be able to find a doctor to receive care. The exchanges are giving individuals access to a few doctors and hospitals. In addition, analysts are warning the hundreds of thousands enroll for coverage beginning Jan. 1, that the plans could begin to resemble Medicaid, the health care program for low-income Americans. If this happens and the payments get too low like with Medicaid, many doctors may begin to refuse seeing patients, and many are already refusing to see patients on Obamacare. Leaving the list of available doctors short for the individuals signed up for Obamacare.

At this time about half of the physicians in many communities refuse to take Medicaid patients because the payment system is just too low. To explain it in dollars and cents as the doctors review it, a doctor gets a dollar by treating a private payer, the same treatment with Medicare a doctor receives about 70 cents. The same treatment with Medicaid the doctor receives about 55 cents. Think about it if you work and get paid a dollar an hour, then the government comes in a manages the payroll and states you will now get 70 cents an hour or 55 cents an hour, you would not work for them. Obamacare is the Medicaid of the future, so in that retrospect look at the Medicaid in the present, and you have insurance but a doctor will not see you. So where does that leave the promise of healthcare for all, it leaves it as an empty promise.

The Obama administration keeps claiming the insurance companies will be competing for your business under the Affordable Care Act, but apparently he did not talk to the hospitals in America. There are many of the top hospitals that will accept insurance from one or two companies that are operating under Obamacare. This will cause many individuals to still have high hospital bills or not seek treatment because the hospital will not accept the insurance under Obamacare. This is all because the focus was put on the premiums, cost and subsidy, and not on what you will get in healthcare for your money.

The exchanges are also a little complicated for the consumer; because many of the exchanges do not even list the insurance companies on their website, and other do not provide names of doctors or hospitals that take the insurance. This has many consumers shopping blind for insurance on the exchange website. In addition, some doctors do not even realize they are in the network for that exchange. Furthermore, the doctor or specialist you may want may not even except Obamacare. A woman in Tucson Arizona wanted a certain surgeon for a knee surgery, but can’t obtain that surgeon for the knee surgery, because that doctor does not see patients who have Obamacare. Another individual purchased a plan with Blue Cross Blue Shield through the healthcare marketplace. The irony is the plan listed a doctor as a covered provider, and was told the doctor would not see them because of where the plan was obtained. There is a small, physician-led resistance movement to Obamacare. For more information or other stories of doctors refusing to see Obmacare insured look at the following websites:

http://health.usnews.com/health-news/hospital-of-tomorrow/articles/2013/10/30/top-hospitals-opt-out-of-obamacare

http://www.dailykos.com/story/2014/04/25/1294762/-Doctor-Refuses-Patient-Because-She-Has-Obamacare#

http://www.pbs.org/newshour/rundown/verifying-affordable-care-act-insurance-causes-headaches-doctors-offices/