Americans are offered to buy Trumpcare insurance, but such a program does not exist - ForumDaily
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Americans are offered to buy Trumpcare insurance, but there is no such program

The enrollment period for ObamaCare (Affordable Care Act or ACA) is now open, and will last until December 15 in most states. At the same time, advertisements are circulating in the United States offering to purchase insurance at “Trumpcare,” which is supposedly cheaper and more profitable. But there is one problem - no such program exists. What is offered to the Americans under this name, the publication found out USA Today.

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Open enrollment is the window when people can choose new health insurance plans under ObamaCare. Usually this period lasts until December 15, and the insurance itself begins to operate on January 1 of the next year, that is, insurance for 2021 is now being sold.

Some US consumers may be enticed by advertisements on social media and emails inviting them to buy Trumpcare, which is marketed as more affordable than ObamaCare.

But there's a problem: "There is no such thing as Trumpcare," says Sabrina Corlett, co-director of the Center for Health Insurance Reform at Georgetown University. - This is a marketing trick. It is impossible to say with any degree of certainty exactly what product is being offered under this name."

Since so-called Trumpcare does not refer to any specific insurance plan or program, consumers should do extensive research if they want to take one of the promotional offers. US President Donald Trump has promised to replace the Affordable Care Act (ObamaCare) with what he says will be “a lot of different options,” but his proposal to replace the ACA has yet to materialize.

Health care costs continue to climb, while millions of Americans lost health insurance, jobs and income during the pandemic. And this adds to the financial pressure they experience when looking for a new insurance policy.

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Because products sold under the "Trumpcare" name offer lower premiums than traditional insurance, it may increase the risk that a consumer will make a purchase that they later regret. Low-cost insurance plans typically offer much lower levels of coverage than the comprehensive plans sold through the ACA.

“It's not surprising that people are looking for low-cost solutions, especially during the pandemic when many have lost employer-provided insurance and are experiencing severe financial hardship,” says Philip Moeller, author of the guide Get What's Yours Through Medicare.

“My advice,” he adds, “is for people to really look at the terms of their policies and be vigilant.”

According to an October report from ProPublica, "Trumpcare" ads have been circulating heavily on Google and Facebook this fall, with the ads most often seen by people in Florida and Texas.

Short term plans, long term danger

Often, offerings called "Trumpcare" refer to short-term insurance plans that offer limited coverage and often cost less than ACA plans, which by law must provide full coverage. In 2018, the Trump administration loosened the rules for short-term plans, allowing them to be sold for 364 days (one day less than a year), up from the three-month limit previously.

The popularity of short-term insurance plans is growing. In 2019, three million consumers joined them, which is 25% more than a year earlier.

One reason may be price: Short-term plans cost about $100 per month, according to Insure.com, which is significantly less than the $340 per month price of the cheapest plan under the ACA.

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But these plans—often used as temporary coverage for people changing jobs—have a number of pitfalls.

First, they often exclude coverage for a patient's chronic disease treatment. Some short-term plans have restrictions on coverage for services such as hospital stays and prescription drugs. There have been cases where patients with short-term insurance plans were denied coverage for cancer treatment or heart surgery, resulting in hundreds of thousands of dollars out of their pocket to pay.

“It can be very difficult for consumers to look at these marketing materials and figure out whether they provide the right level of financial protection and access to care that they might need if they get sick,” says Georgetown's Corlett. “I don’t want to say that all these products are bad - some of them may be perfectly adequate for your needs - but there is no standardization applied to them, so they are all different and need to be studied.”

How to buy insurance plans

If you buy insurance during open check-in, start with the ACA marketplaces, Corlett advises.

“Many people think they don't qualify for benefits, but more than 80% do,” she said.

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If none of the plans are affordable for you, Corlett recommends talking to an insurance broker in your area.

“Talk to someone who will look you in the eye when you run into them at the grocery store,” she notes. “Not an anonymous person on a website who is only interested in making a sale.”

As you study the plan, work with a checklist:

  • What is the annual deductible according to the plan
  • Co-insurance payments and rules
  • Does the insurance have an annual maximum of funds that the patient must pay, and if so, what is its limit
  • Is treatment for preexisting (chronic) illnesses covered and may you incur higher costs
  • Does the plan have limits on coverage
  • Does it cover prescription drugs and under what conditions

These questions may seem "routine," Moeller adds, "but in my experience, consumers don't think about these questions at all; many people are very gullible."

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