There have been a number of paid for advertisements and media spots covering the story of Emilie Lamb, a lupus sufferer whose life was supposedly ruined by Obamacare. These spots were paid for by Americans for Prosperity which is a conservative think tank. The ads state that:
Since 2006 Emilie received health insurance through CoverTN, which provided her with the affordable care she required for the numerous Emergency Room visits and surgeries she has had to endure to treat her chronic illness. Left without any other choice, Emilie signed up for Obamacare and as a result her monthly insurance premiums increased by 700 percent.
But if you did deeper into this story you will actually find that Lamb didn’t have private insurance. Instead she was on a sponsored health care program that covered only 16,000 people that was cancelled last year because it had a $25,000 annual limit on benefits and the new federal health law doesn’t allow annual expenditure caps. The state applied for a waiver, but didn’t get it, but also didn’t consider expansion of Medicaid since the state’s system has been run by Republicans since 2011.
She now states that instead of $52 a month, she has to pay $373 a month premiums. She did choose to go for a gold plan, so presumably she could’ve gotten a cheaper plan with a higher co-pay. The plan, however, is significantly better with no annual expenditure limits. This could be really beneficial if she lands in the hospital whereas on her previous plan it would’ve been financially devastating if she ended up in the hospital and from her claims of how often and how sick she is I find it hard to believe that she wouldn’t end up in the hospital at some point…
There are also reports (again, in conservative news) about high drug costs for specialty drugs for MS or lupus patients.
Personally I have had neither of these issues affect me with the Affordable Healthcare Act aka Obamacare. I have actually found that some of my drug costs have decreased and I get free birth control now which is a nice change from the $20 a month I was shelling out previously. My healthcare plan is paid for by my employer for which I am eternally grateful, but I did pay my own plans for over a year and was paying out at about $500 a month. My current plan is with Aetna in California and I have been pleasantly pleased with them.
Do you have lupus and have you had Obamacare affect your insurance? I’d love to hear about it.
To read more about the Emilie Lamb case: http://www.politifact.com/truth-o-meter/article/2014/feb/13/does-americans-prosperity-ad-about-woman-lupus-tel/