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My dog needed surgery last month, and the veterinary office handed me an estimate of charges. Try asking for an estimate from a doctor or hospital. It won’t happen. Their attitude and ours seem to be, it costs what it costs. And we all know they will sock the insurance company, so we don’t care.
Because our health-care system relies on socking the insurance company, insurers and health plans have come up with their own ways of socking us back – denied claims, bigger co-pays, cancelled coverage if you’re too sick, denied coverage if you have a pre-existing condition, and capped lifetime payout.
Much of our health-care debate demonizes insurance companies, but they’re just another fly in the web. Americans don’t like the idea of a single-payer (government), so we need insurers, and mandatory coverage was one of many compromises in the Affordable Care Act.
After the long labor and breach birth of ACA, I wrote that it still needed work, but it was a start. Now critics want to throw the baby out with the bath water.
From candidates on both sides, we’re now hearing big promises and big lies. Here are a few basics to help you keep some perspective:
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