We interrupt the ongoing saga of R.S., the client who magically received the retroactive insurance policy, to bring you an important warning. It appears that I have found the one thing you can do as a consumer that will absolutely tilt the out-of-balance pinball machine that is Healthcare.gov.
Do Not Have A Baby
One of the hallmarks of the Patient Protection and Affordable Care Act (PPACA) is that maternity coverage is built into all of the policies. We now cover maternity the same as any other illness. The deep thinkers in Washington inserted coverage for contraceptives and for pregnancy. They just are totally unprepared for the results of a successful pregnancy. The perfect Obamacare pregnancy lasts 78 trimesters!
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I have had two clients attempt to add newborns to the government’s exchange. Remember, the policies purchased through the exchange are just like policies purchased directly from the insurance companies. By taking you through the exchange I may be able to get you a subsidy. The trade-off was that you gave the government a lot of personal information and the government helped pay for your insurance premium and possibly even some of your deductible. Since it is pretty clear that the government already has access to all of this information, why not take the money?
What we didn’t know was that we were also adding the government’s inept bureaucracy into every little transaction.