That infected pustule, ObamaCare, was passed with myriad anecdotes about poor oppressed people crushed under a cruel, inhuman system.
When my mother was diagnosed with carcinoid cancer in 2005, when she was 49, it came as a lightning shock.
We, as a family, were scared and angry, but from the beginning we knew we would do all we could to fight this disease. We became involved with fundraising for research, through the Caring for Carcinoid Foundation in Boston; we blogged; we did triathlons (my mother’s idea) and cherished our time together as never before.
Carcinoid, a form of neuroendocrine cancer, is a terminal disease but generally responds well to treatment by Sandostatin, a drug that slows tumor growth and reduces (but does not eliminate) the symptoms of fatigue, nausea and gastrointestinal dysfunction.
She has an indomitable will and is by far the toughest person I’ve ever met. But she wouldn’t still be here without that semimonthly Sandostatin shot that slows the onslaught of her disease.
And then in November, along with millions of other Americans, she lost her health insurance. She’d had a Blue Cross/Blue Shield plan for nearly 20 years. It was expensive, but given that it covered her very expensive treatment, it was a terrific plan. It gave her access to any specialist or surgeon, and to the Sandostatin and other medications that were keeping her alive.
Because the exchange website in her state (Virginia) was not working, she went directly to insurers’ websites and telephoned them, one by one, over dozens of hours. As a medical-office manager, she had decades of experience navigating the enormous problems of even our pre-ObamaCare system. But nothing could have prepared her for the bureaucratic morass she now had to traverse.
The repeated and prolonged phone waits were Sisyphean, the competence and customer service abysmal. When finally she found a plan that looked like it would cover her Sandostatin and other cancer treatments, she called the insurer, Humana, to confirm that it would do so. The enrollment agent said that after she met her deductible, all treatments and medications—including those for her cancer—would be covered at 100%. Because, however, the enrollment agents did not—unbelievable though this may seem—have access to the “coverage formularies” for the plans they were selling, they said the only way to find out in detail what was in the plan was to buy the plan. (Does that remind you of anyone?)
With no other options, she bought the plan and was approved on Nov. 22. Because by January the plan was still not showing up on her online Humana account, however, she repeatedly called to confirm that it was active. The agents told her not to worry, she was definitely covered.
Then on Feb. 12, just before going into (yet another) surgery, she was informed by Humana that it would not, in fact, cover her Sandostatin, or other cancer-related medications. The cost of the Sandostatin alone, since Jan. 1, was $14,000, and the company was refusing to pay.
It sounds like the health insurance companies are co-defendants—not least because they supported ObamaCare as it passed through Congress like a kidney stone.
But the author is clear on who is at fault:
This is a woman who had an affordable health plan that covered her condition. Our lawmakers weren’t happy with that because . . . they wanted plans that were affordable and covered her condition. So they gave her a new one. It doesn’t cover her condition and it’s completely unaffordable.
Then he veers wildly off the rails:
I understand that the intention—or at least the rhetorical justification—of this legislation was to provide coverage for those who didn’t have it.
No, that was clearly not the intention, whatever the rhetoric. The intention was to exert government power into a social and economic realm where it did not exist. People are naturally concerned with their health, hence health care is an exploitable issue. It didn’t matter that the overwhelming majority of Americans were satisfied with their coverage (as was the woman above), it was their coverage, not the government’s. And that had to change, consequences be damned.
But he recovers nicely:
But there is something deeply and incontestably perverse about a law that so distorts and undermines the free activity of individuals that they can no longer buy and sell the goods and services that keep them alive. ObamaCare made my mother’s old plan illegal, and it forced her to buy a new plan that would accelerate her disease and death.
The “Affordable” Care Act is a brutal, Procrustean disaster. In principle, it violates the irreducible particularity of human life, and in practice it will cause many individuals to suffer and die.
Feature, not bug. We had to pass it to find out what was in it!