My Conversation With the ACA Live-Chat Rep

[08:07:14 am]: Thanks for contacting Health Insurance Marketplace Live Chat. Please wait while we connect you to someone who can help.
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[08:07:19 am]: Welcome! You’re now connected to Health Insurance Marketplace Live Chat.Thanks for contacting us. My name is Kenneth. To protect your privacy, please don’t provide any personal information, like Social Security Number, or any other sensitive medical or personal information.
[08:07:28 am]: Kenneth
Welcome to the Health Insurance Marketplace, my name is Kenny, how may I help you?
[08:07:41 am]: Mb
Good Morning, Kenny
[08:08:40 am]: Kenneth
Good Morning Mb, How may I help you today?
[08:08:53 am]: Mb
Question: My Doctor that I have been going to for years has announced that he will retire due to the ACA. Have you been hearing a lot of that?
[08:09:58 am]: Kenneth
Unfortunately, yes I have.
[08:10:06 am]: Mb
Question: I have heard a lot of that. My fear is that if all of these doctors start quitting, our healthcare will be very poor.
[08:11:25 am]: Mb
What’s the point in being covered if you won’t get adequate care anyway?
[08:12:32 am]: Kenneth
Good point. Unfortunately, I don’t have an answer to that.
[08:13:42 am]: Mb
Ok. Sorry I’m taking up your time, this just has me very concerned because I have a chronic lung condition and I’m very upset about losing my specialist.
[08:14:19 am]: Kenneth
Understandable. No need to apologize.
[08:15:20 am]: Mb
Can the ACA guarantee me that I will receive the same value of care for my preexisting condition that was stabilized by a very effective specialist?
[08:17:15 am]: Kenneth
Well I do know, that pre-existing conditions cannot determine whether or not you can get the same sort of coverage. They are changing that so people with pre-existing conditions can still receive the same care they have been getting at, hopefully, lower costs.
[08:19:06 am]: Mb
But it won’t be the same level of care if specialists and high end doctors all quit.
[08:19:14 am]: Mb
Another question, if you don’t mind.
[08:20:12 am]: Mb
My Grandfather is incredibly sick and bedridden. What exactly is this “death panel” that everyone is talking about. Can you explain exactly how that works?
[08:22:21 am]: Kenneth
Unfortunately, I haven’t heard of anything like that. Looking in my information, I don’t see anything regarding hospice or anything like that. I apologize for the inconvenience.
[08:23:31 am]: Mb
Is there a government panel that decides to approve/deny treatment for terminal or low survival percentage patients?
[08:25:56 am]: Kenneth
Not that I know of. I would think that would be up to the Health Insurance Company.
[08:28:10 am]: Mb
Howard Dean (former Dem National Committee Chairman) made this statement: The IPAB will be able to stop certain treatments its members do not favor by simply setting rates to levels where no doctor or hospital will perform them.”
[08:28:12 am]: Mb
Is that true?
[08:28:50 am]: Kenneth
I do not know unfortunately. I don’t have any information that says yes or no to that statement.
[08:30:46 am]: Mb
Doesn’t the IPAB come to life if Medicare cost goes above the approved level? If you reduce reimbursements to the provider isn’t that a form of rationed care? Once again, I appreciate that you are trying to answer these questions for me.
[08:33:30 am]: Kenneth
I thank you for the kindness, but even with that, I wouldn’t have an answer to that either.
[08:35:37 am]: Mb
Well, that’s all I have for now. I feel as though with the lack of information provided (not just specifically from you) I’m not very comfortable with this healthcare whatsoever.
[08:37:12 am]: Kenneth
I can certainly understand that. You have raised some key points that I will definitely look into.
[08:40:01 am]: Mb
That would be great. Bless your heart, you’re probably getting a lot of these questions. I feel the need to voice the important questions…because as my hero Andrew Breitbart once said, “They think we should sit down and shut up, and that is ending right now”…
[08:41:19 am]: Kenneth
Amen to that.