CarriageTowneNews.com, Kingston, NH

Letters to the Editor

October 31, 2013

Obamacare

Obamacare

I have followed the discussion of the Affordable Care Act, more commonly called Obamacare, among the Carriage Towne News letter writers with a lot of speculation about how much health insurance policies will cost, whether the plans will be affordable, and if the new health care plans offered in our state will be better than the insurance available before the passage of the law. All those questions can be answered now, because the health insurance companies offering policies in New Hampshire have now published their prices and policy terms.

I received the cancellation notice for our family’s policy from Anthem Blue Cross Blue Shield on Friday. We have been paying $1,047 per month for our family of four, with a $10,000 deductible. Like many people, we chose a high deductible policy to keep our monthly payments affordable, and to provide us with insurance in case somebody in our family became seriously ill or injured.

Anthem, which is the only company available through the health insurance exchange, and therefore the only company for which federal subsidies are available, provides quotations for their policies, along with the terms and conditions of the policies on their web site. You can see them there for yourself.

Using their website, I obtained quotes for their new Obamacare compliant policies, which we have to switch to in 2014. The prices were high, so I started out by dropping one of our children, since he can get less costly and better coverage himself. With my wife, myself, and one child, the least costly “Bronze” level policy will cost $1,359 per month, a 30% increase. The plan still has a $10,000 deductible, with a $12,000 out of pocket maximum.

But the fine print tells a much more alarming story. The plan and all the other Anthem plans offered through the exchange to individuals, does not provide any benefits for out of network hospitals or physicians. That means that you have no insurance for when you need it most, when you have to see doctors at or be admitted to the major hospitals in Boston. In fact, many hospitals within New Hampshire aren’t included in the new Anthem plans either, so the policy won’t pay for you to be admitted to those hospitals either. But that’s an inconvenience, not a life or death matter.

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Letters to the Editor

US Politics
Obituaries
  • Elwood (Al) Shaw, 93

    Meredith, NH — Elwood (Al) Shaw, 93, of Center Harbor, passed away peacefully on Sunday, March 30, 2014, at Forestview Manor in Meredith. He was the beloved husband of the late Greta L. (Sykes) Shaw, to whom he was married for 62 years.

    Continued ...
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  • Jo Ann Hughes, 79

    Sandown, NH — Jo Ann (Phelps) Hughes of Sandown, New Hampshire passed away on Thursday, March 27, 2014, surrounded by all of her children at home. She was born in Little Bend Kentucky, to Beatrice (Shepherd) Phelps and John (Cat) Phelps in 1934. Jo Ann was predeceased by brothers, Marcus Phelps, Johnny Phelps, Forrest Phelps and sisters, Juanita Phelps, and Jeanette (Phelps) Vincent. She is survived by brother, Donald Quiggins of Georgia; sisters, Geneva (Phelps) Stanley of Kentucky, and Frances (Phelps) Bratcher of Tennessee who had just visited Jo Ann in September of 2013.

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    Raymond, NH — Sherry Lynn (Cookson) Scanzillo, 58, of Raymond, N.H., passed away Saturday, April 5, 2014, at the Elliot Hospital surrounded by her loving family after a sudden illness.

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    The Carriage Towne News Thu, April 17
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    Atkinson, NH — Tom passed away on Sunday, March 30, 2014, at Elliot Hospital in Manchester. Tom was born on October, 30, 1940, at Clover Hill Hospital in Lawrence, Mass., as the only child to Hugh Clinton and Evelyn (Forcier) Clinton. Tom graduated from Methuen High School in 195

    Continued ...
    The Carriage Towne News Thu, April 17
    4 days 1 Photo
  • Jo Ann Hughes, 79

    Sandown, NH — Jo Ann (Phelps) Hughes of Sandown, New Hampshire passed away on Thursday, March 27, 2014, surrounded by all of her children at home. She was born in Little Bend Kentucky, to Beatrice (Shepherd) Phelps and John (Cat) Phelps in 1934. Jo Ann was predeceased by brothers, Marcus Phelps, Johnny Phelps, Forrest Phelps and sisters, Juanita Phelps, and Jeanette (Phelps) Vincent. She is survived by brother, Donald Quiggins of Georgia; sisters, Geneva (Phelps) Stanley of Kentucky, and Frances (Phelps) Bratcher of Tennessee who had just visited Jo Ann in September of 2013.

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