The new right wing “truth”: the health care system was great until Obamacare ruined it
by digby
I retweeted Ann Coulter’s ridiculous claim that her friend in California had “died from Obamacare” the other day with the sarcastic comment “sure she did.” I live in California. I know how this system works. I navigated it myself. And there was no circumstance I could think of under which that could be correct.
Politifact fact checked her story:
We don’t know the name of the woman (beyond Julie), the type of coverage she had or anything about her medical history, and Coulter did not respond to our request for more information. But the claim that someone “died from Obamacare” because Blue Shield “completely just pulled out of California” is something we can fact-check.
It’s obviously misleading to say someone died from Obamacare in the same way someones dies from cancer or a car accident. Hospitals in the United States are required to treat patients whether they have health insurance or not.
But more germane to this particular fact-check is Coulter’s assertion that the woman found herself without insurance because Blue Shield pulled out of the state of California.
That did not happen.
Blue Shield of California: Still in business
Some insurance companies stopped writing health insurance policies in the individual market in California, but not Blue Shield of California.
The not-for-profit insurer competes with for-profit insurer Anthem Blue Cross and Kaiser Permanente. It continues to be a big player in the individual marketplace, which is what we assume Coulter is talking about, as well as the state’s health exchange, Covered California.
Like other insurers across California and the country, Blue Shield of California could no longer offer some health insurance plans because they did not include “essential health benefits” required by the Affordable Care Act.
These plans could not be grandfathered in under the new law. Blue Shield of California sent letters to 119,000 customers in September notifying them their current plans would end “but we can still have you covered in 2014.” PunditFact obtained a sample cancellation letter from the company.
The letter explained Blue Shield would offer new plans that include the minimum health benefits required by the health care law, such as emergency services, prescription drugs and preventive care.
If a customer took no action after reading the letter, he or she would be automatically enrolled into a new plan recommended by Blue Shield. This was meant “to ensure that no one experienced a lapse in coverage,” said spokeswoman Mia Campitelli.
The letters went to 57 percent of the insurer’s individual market customers, she said. For two-thirds of the people who lost their plan, the recommended option was more expensive, the Los Angeles Times reported.
This scenario was similar for 300,000 Florida Blue customers last fall. U.S. Sen. Marco Rubio, R-Fla., said affected customers were “going to lose their individual coverage because of Obamacare. Now those people next year, they don’t have health insurance.” But PolitiFact Florida rated that claim Mostly False because they were not losing coverage unless they opted out.
Most of these Blue Shield of California customers were given the chance to temporarily extend their old plan until the end of March 2014 because the state’s insurance regulator determined they did not give customers 180 days of notice. About 15,000 people decided to take the extension, Campitelli said.
For a customer to be without Blue Shield coverage after getting the letter, he or she would have had to contact Blue Shield to cancel the recommended plan. Campitelli said the company would not have a number for how many people chose to drop Blue Shield until open enrollment ends after March.
Trouble with the website?
Coulter said her friend’s sister tried to get Obamacare but couldn’t get through the website. (That’s assuming she canceled her Blue Shield coverage.)
But if the woman was looking for new coverage in California, she would not have needed to access the troubled federal marketplace, healthcare.gov. California is one of the states running its own insurance marketplace.
Covered California wasn’t perfect. But it worked. There shouldn’t have been any problem in getting on. And it wasn’t hard to get someone on the phone either. So that’s bullshit.
This woman would have had to personally cancel her policy to be without insurance. That’s how it worked here. In fact, I’m in the process of trying to straighten out the fact that my old insurance didn’t receive my cancellation and they’re trying to bill me for January even though I had new insurance. (Thanks Obamacare!) You can’t actually “get cancelled”. The worst that happens is that you get put into a more expensive plan. At which point anyone with a brain will go on the Covered California web-site and search for a cheaper one. And if you make too much money for subsidies, you could go shopping with the insurance companies directly.
Whatever happens, the only way you find yourself without any coverage is if you cancel your policy or fail to pay your premium.
Our ruling
Coulter said a friend’s sister “died from Obamacare” because she was “thrown off her insurance plan, you know Blue Shield completely just pulled out of California.”
We’re not fact-checking whether someone died. We’re looking at the circumstances Coulter presented.
Blue Shield did not pull out of California, and the company did not leave people without insurance. In fact, customers were allowed to keep their existing insurance plans through March. If the basic facts of Coulter’s story are accurate, the woman in question elected to drop insurance coverage.
Whatever the story of Blue Shield, saying someone died “from Obamacare” is incendiary and grossly misleading.
Coulter’s claim rates Pants on Fire.
The problem is that people who want to believe this will believe it no matter what. I suspect every Republican will soon have a story about someone dying or losing a limb or whatever, because in their minds all untimely deaths are now caused by a terrible health care system that was once perfect and has been ruined by Obamacare.
I don’t know how long it will take to change that.
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