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Obamacare: HMO giveaway?

Obamacare: My Personal Experience (And Why I’m Not So Thrilled)

A huge, expensive disappointment for those of us who need it.

I voted for Obama twice. I like his stance on social issues. But he has made a lot of mistakes – and let me tell you, this Obamacare thing is one of them.

I was all for Universal Health Care back when Hillary tried it, because it was the right thing to do for society. I’m willing to have higher bills so that low-income folks and those with pre-existing conditions can have access to the same healthcare I do. But this is ridiculous. I’m being hit hard financially these days, one of the struggling middle class. I’m a single man who’s turning 50 this year. I have no kids, I rent, I’ve made between $60-$90K per year over the years. Sadly, thanks to the criminals on Wall Street and irresponsible homeowners, my rent is double what it used to be.

But back to Obamacare.

I just went to a dentist for the first time since signing up for Obamacare. I haven’t had a cavity in 30 years, brush twice per day using the recommended soft-bristle brush – but it turns out I have brushed a bit hard. So now I have a teensy bit of periodontal disease (gum recession).

Now this is what kills me. I used to get my regular cleanings when I was out of work and had no insurance for $85 and $105 in Miami Beach and Laguna Beach respectively.

So I go to the dentist today and begin their recommended Periodontal Disease program. I had the deep cleaning that even with my mid-tier Obamacare “Silver” plan cost me about $350 out of pocket. They told me to come back in a month for a regular cleaning, the kind I thought I’ve had for the last four years. You know: scrape out tartar and stains, polish, floss, rinse, pay, and go.

Well now that I am on the “periodontal disease program,” and my insurance is aware, the same cleaning is now called “Periodontal Maintenance”. And guess what? It cost $228 through the insurance, and they cover $16. So my same ol’ cleaning is now $212 out of pocket! Yes, the same cleaning I used to pay half as much for two years prior – without insurance!

So in getting to the bottom of it with my dentist and expressing my past history—and oh, by the way my dad is a retired dentist and was Assistant Director of Clinical Research For Johnson & Johnson—she informed that she “can’t do or change the paperwork” to any “regular cleaning,” because I am stuck on the “Periodontal Disease” maintenance plan. Well, I just had the deep “under-the-gum line cleaning” last month. I was just here for a follow-up basic cleaning and polish, which apparently they don’t do, and the polish not at all if on a periodontal program.

So at the end of our conversation what it came down to is I am paying $200 (remember that is twice as much as two years ago) for the same procedure as if I paid cash and had no insurance. And since they are aware I have periodontal disease, she basically told me, based on Florida State Law, she could lose her license if she didn’t follow “the recommended program.” They also wouldn’t accept my offer to sign a legal liability waiver.

It was summarized as this, and the hygienist agreed: Do the program, pay up, or go elsewhere as company policy will not allow a waiver (now isn’t that such a convenient policy—$$$?).

And I’m the customer, you know, the guy with the money! 

Show me a business where the person who has the money isn’t calling the shots, and I give you the medical, dental, veterinarian, and insurance industries. They should be doing as I say, while recommending (or discouraging) my choices. But ultimately it is my decision as the payer, customer – and patient. Just like a woman has a choice at childbirth for an epidural!

Obamacare was a give-away to the scum-sucking, bottom-feeding HMOs, and the actual bribery of our politicians was handled by their lobbyists. Now for the record, I supported (single-payer) healthcare – like the kind they have in UK, which my old business partner had and flew back to UK for. He had two surgeries and said it worked great over there.

Listen, I am willing to give my share for the “greater good” of America. Hell, I pay for all the schools your children go to, and I do not have even have any. You would think I would get some benefit as a single person: nope, nada, nothing. No tax break for not being married, nothing.

So there you have it. This is a small example of way America is burning because of massive corporate, political, and K-street corruption.

We better fix this system soon, or America will end up just another failed state.

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  3. fantastic post, very informative. I’m wondering why the other experts of this sector don’t understand this. You should continue your writing. I am sure, you have a great readers’ base already!

  4. Today, I went to the beach front with my children. I found a sea shell and gave it to my 4 year old daughter and said “You can hear the ocean if you put this to your ear.” She put the shell to her ear and screamed. There was a hermit crab inside and it pinched her ear. She never wants to go back! LoL I know this is totally off topic but I had to tell someone!

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