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dalton99a

(91,205 posts)
Sat Nov 15, 2025, 03:20 PM Saturday

The cheap health insurance promoted by Trump officials has this catch

https://www.yahoo.com/news/articles/cheap-health-insurance-promoted-trump-170956826.html

The cheap health insurance promoted by Trump officials has this catch
Peter Whoriskey | Washington Post
Sat, November 15, 2025 at 11:09 AM CST

Robert Hays, an industrial electronics salesman in Arkansas, thought he’d purchased conventional medical insurance. So did Essie Nath, 67, a retired cafeteria worker in Wyoming. So did Martin Liz, 47, a Key West chef.

Each enrolled in the kind of private health insurance that Trump administration officials have promoted as an alternative to plans sold under Obamacare.

The difference between the two options became all too clear after Hays, Nath and Liz required surgery: Their cheaper policies left them facing bills of tens of thousands of dollars. Hays is facing bills of $116,000 for neck surgery required after tweaking his neck while lifting weights; Nath had heart failure and got bills of $82,000; Liz is stuck with bills of more than $100,000 for a knee replacement.

“These policies are a horrible idea,” said Ken Swindle, an Arkansas-based attorney for Hays. “People think they’re getting comprehensive medical coverage, but they’re not, and they often don’t realize that until it’s too late.”

...

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The cheap health insurance promoted by Trump officials has this catch (Original Post) dalton99a Saturday OP
Fradulent? dickthegrouch Saturday #1
I'm chuckling over a lawyer named "Swindle". greatauntoftriplets Saturday #2
Member of Dewey, Cheatum, and Howe? Wounded Bear Saturday #3
There was a time when you could look up in Harvard Sq TommyT139 Saturday #5
Maybe he is. greatauntoftriplets Saturday #9
Not kidding here but my radiation oncologist .... Grammy23 Saturday #15
You were well cooked if you're alive to tell the story 35 years later. greatauntoftriplets Saturday #24
I was treated about 6 years ago for prostate cancer. Dale in Laurel MD Saturday #27
Fantastic! Hope22 Saturday #31
Congratulations! greatauntoftriplets Saturday #34
A friend who was a lifelong smoker got lung cancer. summer_in_TX Saturday #39
How awful. greatauntoftriplets Saturday #40
Thank you. summer_in_TX Saturday #42
I've had a few doctors with fitting names. pat_k Saturday #41
dr howard dr fine dr howard! rampartd Sunday #49
We had an xray specialist named Semour. Permanut Saturday #22
And I guess that he did see more. greatauntoftriplets Saturday #25
Oh, man, I would change my name. 3catwoman3 Saturday #26
Dr. Cockett is a great name for a urologist. greatauntoftriplets Saturday #35
There's a firm of solicitors in the Glasgow area called Bilkus & Boyle: Emrys Saturday #29
OMG, those are priceless. greatauntoftriplets Saturday #36
While I was stationed in Japan, a good friend of mine was in the base protocol... 3catwoman3 Saturday #37
Ball isn't bad, but Penix would inevitably be spelled the other way at times. greatauntoftriplets Saturday #38
No, indeed. My friend and I were both involved in the air base's amateur t 3catwoman3 Sunday #48
Chiropractor Alan Bonebrake Shrek Sunday #45
For years Orlando had a prostectic company Conjuay Sunday #47
Just like everything Dump promotes, it's crap sakabatou Saturday #4
These are "short term plans" that DJT extended to 3 years in his first admin progree Saturday #6
The original ACA set minimum standards for participating insurers. The Republicans did away with that. Midnight Writer Saturday #7
ACA plans still have the same minimum standards as the original. The short-term plans of the subject article progree Saturday #8
No different than the people who continue to purchase Medicare Advantage policies Hope22 Saturday #10
M.A. people can still switch to traditional Medicare, i.e. parts A and B progree Saturday #17
Sounds good for those in MA. Hope22 Saturday #23
Medicare Advantage is also known as Medicare Part C. progree Saturday #28
At 67, why wasn't Nath on Medicare? Fil1957 Saturday #11
Maybe his $82k bill was his 20% that Medicare Ilsa Saturday #13
Maybe she's 67 now but her illness or surgery happened a few years ago. llmart Saturday #14
+1. Her lawsuit was filed in 2023 dalton99a Saturday #33
Live by the Trump, die by the Trump. Intractable Saturday #12
This old adage comes to mind. llmart Saturday #16
Caveat Emptor DET Saturday #18
Michael Moore brought up these shirts of policies dflprincess Saturday #19
Deception damifino10 Saturday #20
I thought these kinds of policies were made illegal by the ACA. Wiz Imp Saturday #21
It's my understanding that they've always been legal, but were limited to 3 months progree Saturday #32
I wonder how closely these chumps read their policies... Mark.b2 Saturday #30
Goes right along with the regime's approach to any consumer protection. pat_k Saturday #43
That is exactly what I would expect to get from Krasnov. GoodRaisin Sunday #44
For-Profit-Healthcare...... think about that phrase. IcyPeas Sunday #46

greatauntoftriplets

(178,521 posts)
2. I'm chuckling over a lawyer named "Swindle".
Sat Nov 15, 2025, 03:43 PM
Saturday

Years ago, there was a surgeon at the local hospital named Dr. Slaughter.

TommyT139

(2,092 posts)
5. There was a time when you could look up in Harvard Sq
Sat Nov 15, 2025, 03:52 PM
Saturday

...and you could see where their office was, by the modest-sized gold text in a third floor window.

greatauntoftriplets

(178,521 posts)
9. Maybe he is.
Sat Nov 15, 2025, 04:34 PM
Saturday

And perhaps Dr. Slaughter was a client. I saw "was" because Dr. Slaughter died years ago.

Grammy23

(6,078 posts)
15. Not kidding here but my radiation oncologist ....
Sat Nov 15, 2025, 05:40 PM
Saturday

Was named Dr. Cook. No lie. And yowzer did I get cooked?! But I’m alive 35 years later so I guess it worked. 😉

greatauntoftriplets

(178,521 posts)
24. You were well cooked if you're alive to tell the story 35 years later.
Sat Nov 15, 2025, 06:42 PM
Saturday

My sister just completed radiation treatments last Tuesday following surgery for uterine cancer. Before starting treatments, she was told that radiation is a lot easier on the system than it once was. Even so, there were some side effects.

Dale in Laurel MD

(781 posts)
27. I was treated about 6 years ago for prostate cancer.
Sat Nov 15, 2025, 06:51 PM
Saturday

I had external proton beam radiation, almost no side effects. (And so far I'm still cancer-free.)

summer_in_TX

(3,938 posts)
39. A friend who was a lifelong smoker got lung cancer.
Sat Nov 15, 2025, 10:28 PM
Saturday

Radiation was the treatment. But she kept cooking inside long after it stopped.

It was a horrendous way to die.

I am very glad to hear that it actually worked for you. I don't know what went wrong in her case.

pat_k

(12,485 posts)
41. I've had a few doctors with fitting names.
Sat Nov 15, 2025, 10:40 PM
Saturday

These come to mind, but I think there was another that was great, but I can't recall it.

Dr. Goodman - pediatrician
Dr. Hertz -- oral surgeon.
Dr. Grimm - orthopedic

3catwoman3

(28,156 posts)
26. Oh, man, I would change my name.
Sat Nov 15, 2025, 06:47 PM
Saturday

When I was in nursing school, one of the attending urologists was Dr. Cockett -

greatauntoftriplets

(178,521 posts)
35. Dr. Cockett is a great name for a urologist.
Sat Nov 15, 2025, 08:08 PM
Saturday

I assume that Dr. Slaughter got razzed about his name. No one I knew ever went to him, though. He was a legend...of sorts.

Emrys

(8,756 posts)
29. There's a firm of solicitors in the Glasgow area called Bilkus & Boyle:
Sat Nov 15, 2025, 07:16 PM
Saturday


Also spare a thought for the unfortunate partner Gascoigne of Home Counties estate agents Gascoigne-Pees:




And a final nominative determinist shoutout to the firm Owen Pugh, which rents out portable toilets:

https://www.yelp.co.uk/biz/owen-pugh-toilet-hire-glasgow

greatauntoftriplets

(178,521 posts)
36. OMG, those are priceless.
Sat Nov 15, 2025, 08:11 PM
Saturday

If my surname was Pees, I would change it to avoid having people laugh in my face.

3catwoman3

(28,156 posts)
37. While I was stationed in Japan, a good friend of mine was in the base protocol...
Sat Nov 15, 2025, 08:22 PM
Saturday

...office. His last name was Penix. My own last name is Ball. Altho he was a really great guy, I never wanted to date him because I didn't want to run the risk of us falling in love and wanting to marry. My last name was problem enough, and I wouldn't have wanted to change it to his, and I certainly couldn't have hyphenated the 2 names.

greatauntoftriplets

(178,521 posts)
38. Ball isn't bad, but Penix would inevitably be spelled the other way at times.
Sat Nov 15, 2025, 08:29 PM
Saturday

You definitely wouldn't want to hyphenate those two names.

3catwoman3

(28,156 posts)
48. No, indeed. My friend and I were both involved in the air base's amateur t
Sun Nov 16, 2025, 11:02 AM
Sunday

…club, as both performers and dancers, and we worked together to choreograph numbers for one of the club’s presentations. The cast very much had fun with bandying about “On stage with Penix and Ball.”

Were that my last name, I would at the very least add an H and make it Phoenix, if not just change it altogether.

Ball was the subject of many athletic jokes, like, “How’s your brother, Basket,” and the like. In 7th grade, I used to get greeted every morning in homeroom by a classmate who would leer at me and say, “Hi, Ball. How’re they hangin’?” His buddies would laugh their asses off at his adolescent cleverness.

One morning, when I’d had enough and after much mental rehearsal so I knew I could pull it off, I glared at him and said, “Fine, thanks. How are yours?” His buddies laughed even harder, and he never said it again.

It was a moment of triumph I still enjoy some 55 years later.


Conjuay

(2,798 posts)
47. For years Orlando had a prostectic company
Sun Nov 16, 2025, 07:36 AM
Sunday

called 'Amputee and Brace ',
located on Gore Avenue.

progree

(12,558 posts)
6. These are "short term plans" that DJT extended to 3 years in his first admin
Sat Nov 15, 2025, 04:10 PM
Saturday
Unlike most insurance, these plans are not required to cover preexisting conditions or even basic needs such as maternity care and mental health. Their coverage is so full of holes that five states have banned their sale, according to KFF, a nonpartisan health policy research group. Even some major insurers have questioned whether relying on the short-term plans is a good idea, warning that many consumers could mistake them for comprehensive coverage. The Biden administration referred to them as “junk” plans. . . . In addition to the five states that have banned them — including California and New York — nine states have rules so prohibitive that no short-term plans are offered . . .

Short-term plans, which were previously limited to a duration of four months, were vastly expanded in 2018 by the Trump administration, which saw them as an alternative to ACA plans, which they opposed. To make the short-term plans more accessible, the Trump administration ruled that a short-term policy could last as long as three years.

. . . Incentivized by larger sales bonuses, brokers were using deceptive marketing materials to sell short-term policies, the report said.

Last year, debate erupted again when the Biden administration reversed the Trump rule and restored the four-month limit on the policies.

This year, though, the Trump administration announced it was again coming up with its own definition of “short-term” and would not prioritize enforcement of the Biden-era rule.


Many examples in the article about the insurance companies claiming "pre-existing conditions" (which aren't covered by these plans) after expensive surgeries

Midnight Writer

(24,996 posts)
7. The original ACA set minimum standards for participating insurers. The Republicans did away with that.
Sat Nov 15, 2025, 04:14 PM
Saturday

Now insurers can sell you an essentially worthless policy, often paid for by taxpayer subsidies.

In other words, Republicans fought for "the right" of insurers to rip off their customers.

Ripping off consumers and working folk is a good thing, according to Republican policymakers.

progree

(12,558 posts)
8. ACA plans still have the same minimum standards as the original. The short-term plans of the subject article
Sat Nov 15, 2025, 04:24 PM
Saturday

are not sold on the healthcare.gov ACA exchange, nor on state ACA ones like Covered California and MNSure. Similarly Association Health Plans (AHP's), whose requirements were loosened, are not sold on ACA exchanges.

Neither are Health sharing plans, also known as medical cost sharing. These, are community-based, non-profit alternatives to traditional health insurance where members pool funds to help cover each other's medical expenses. These plans operate based on shared values or beliefs, and are often faith-based, such as Healthcare Sharing Ministry plans. They are not insurance and they suck when a member's care gets expensive.

Hope22

(4,337 posts)
10. No different than the people who continue to purchase Medicare Advantage policies
Sat Nov 15, 2025, 04:54 PM
Saturday

Which make them ineligible for Medicare programs should health issues arise. All you can do is warn them.

progree

(12,558 posts)
17. M.A. people can still switch to traditional Medicare, i.e. parts A and B
Sat Nov 15, 2025, 05:42 PM
Saturday

but both those have limitations, for example only 80% of Part B expenses are covered. The uncovered 20% can get to be a very big number for some medical conditions.

One can purchase Medicare Supplement plans, also known as Medigap (NOT to be confused with Medicare Advantage), to fill in the uncovered costs and even reduce or eliminate the deductibles of traditonal Medicare. I have one such. But the good ones are expensive. All told, I'm paying $185 for part B + $320 Medicare Supplement + $40 Part D drug plan = $545/month.

Some people think Medicare is free or nominal cost. It is not.

Switching to a Medicare Supplement plan from a Medicare Advantage plan, or adding a Supplement plan when one has had only traditional Medicare can be subject to a medical exam and acceptance by the insurer, known as underwriting (Medicare Supplement plans are private insurance). One is free from this requirement only if they sign up for the Supplement plan within a 6 month window or something like that from when first getting on Medicare. There's also some one-year leeway IIRC for Medicare Advantage people trying to switch to a Supplement plan (i.e. you can try Advantage for one year or less), I forget the details of that.

Part A (Hospital Insurance) is free for most people (actually they paid in during their working lives through FICA payroll taxes). But those who don't have a full 40 quarters of lifetime covered earnings have to pay a big premium for Part A.

Hope22

(4,337 posts)
23. Sounds good for those in MA.
Sat Nov 15, 2025, 06:31 PM
Saturday

In addition to what you have pointed out small business owners and self employed pay double into Medicare and Social Security. I never heard of the trial period for Medicare Advantage which is not affiliated with Medicare. It used to be if Medicare Advantage was chosen there was no going back.

progree

(12,558 posts)
28. Medicare Advantage is also known as Medicare Part C.
Sat Nov 15, 2025, 07:13 PM
Saturday
https://www.medicare.gov/plan-compare/#/?year=2026&lang=en
Next, select the type of plan you want:
Medicare Advantage Plan (Part C)
Medicare drug plan (Part D)
Medigap policy


It was that way when I first shopped for Medicare back in 2016 or thereabouts, so it's not a Krasnov thing.

That Medicare Advantage is not Medicare or not affiliated with Medicare is an ideological statement, not fact.

. It used to be if Medicare Advantage was chosen there was no going back.


Sorry, never was true.

Just to be clear, I think Advantage sucks (from what I read, I've never been on it) - too many denials, pre-approval requirements, must stick to networks, and if the anasthesiest or physician assistant, for example, is not in the network (even if the hospital and surgeon are), then one has to pay those out-of-network peoples' bills.

Here's some info on how one can still get a Supplement plan after being on Advantage without medical underwriting (the one year thing)

=====================================================
https://cahealthadvocates.org/medicare-advantage/when-you-have-guaranteed-issue-rights-to-switch-from-a-medicare-advantage-plan-to-a-medigap-policy

When You Have Guaranteed-Issue Rights to Switch from a Medicare Advantage Plan to a Medigap Policy

If you are in a Medicare Advantage (MA) plan, you have guaranteed-issue rights to buy a Medigap policy in certain situations. These rights require private insurers to sell you a policy without a health screening. You cannot be denied a policy or charged a higher premium due to your current health or history.

You have guaranteed-issue rights to a Medigap policy when:

Your Medicare Advantage (MA) plan terminates coverage. In this case, you can return to Original fee-for-service Medicare with Medigap, but you must apply within 123 days of the end of your MA plan benefits.

You move outside your MA plan service area. You must apply within 63 days of moving.

You joined an MA plan when you first became eligible for Medicare and want to switch to a Medigap policy during your first 12 months in the MA plan. This is your Medicare Trial Period #1.

You switch from a Medigap policy to an MA plan for the first time since becoming eligible for Medicare, and you disenroll from the MA plan within the first 12 months. This is your Medicare Trial Period #2.

Ilsa

(63,612 posts)
13. Maybe his $82k bill was his 20% that Medicare
Sat Nov 15, 2025, 05:39 PM
Saturday

doesn't pay. Heart surgery can be pretty pricey.

llmart

(17,098 posts)
14. Maybe she's 67 now but her illness or surgery happened a few years ago.
Sat Nov 15, 2025, 05:40 PM
Saturday

That's the only thing I could come up with.

Intractable

(1,397 posts)
12. Live by the Trump, die by the Trump.
Sat Nov 15, 2025, 05:37 PM
Saturday

Who is going to buy Trump-recommended policies? Mostly, it would be Trump supporters. The others would be unfortunate souls who were tricked into it out of desperation.

DET

(2,317 posts)
18. Caveat Emptor
Sat Nov 15, 2025, 05:49 PM
Saturday

I can’t understand how you could buy an insurance policy without reading the specifics of the policy in writing. If it sounds too good to be true, then it probably is. Dishonest insurers will always try to find loopholes to deny a claim, but you really need to understand the basics of your plan before you sign up.

dflprincess

(29,087 posts)
19. Michael Moore brought up these shirts of policies
Sat Nov 15, 2025, 06:02 PM
Saturday

In his film "Sicko" in 2007. I thought tge ACA outlawed them.

damifino10

(146 posts)
20. Deception
Sat Nov 15, 2025, 06:03 PM
Saturday

Are the sales reps. being complicit these policy's? Trump skates no matter what but these folks selling these policy's
make a used car salesman look golden. There are so many sales persons peddling marginal products it is
sickening. If the top CON can get away with it, why can't I says the lower CON?

Wiz Imp

(8,180 posts)
21. I thought these kinds of policies were made illegal by the ACA.
Sat Nov 15, 2025, 06:07 PM
Saturday

I didn't realize Trump had changed that in his first term. They absolutely should be illegal

progree

(12,558 posts)
32. It's my understanding that they've always been legal, but were limited to 3 months
Sat Nov 15, 2025, 07:40 PM
Saturday

Just one of those things they couldn't get rid of.

the Tax Cuts and Jobs Act of 2017 eliminated the individual mandate penalty, which increased the use of short-term plans as an alternative to ACA plans.

The Trump administration expanded short-term plans, allowing them to be sold for up to 364 days and renewed for up to three years. Biden changed it back to 3 months.

Mark.b2

(703 posts)
30. I wonder how closely these chumps read their policies...
Sat Nov 15, 2025, 07:35 PM
Saturday

I’m wanting to retire next year at 56 or 57, and I want a high-deductible ($10k-$15k) policy. Basically, I just want catostrophic coverage. I am now able to find these types of plans, but you have to read the plans.

My guess is these three liked the low premiums and were prepared for the high deductibles didnt take the time to read their coverage plans. It would have been nice if the article had more info.

These catostrophic plans can be the right coverage for certain people.

pat_k

(12,485 posts)
43. Goes right along with the regime's approach to any consumer protection.
Sat Nov 15, 2025, 11:23 PM
Saturday

Deceptive disclosures. endless "small print," hard sells, on and on, that ruin peoples lives are all good with the felon's regime, regardless of how central central a product is in consumer's life. Hey' it was there in the contract wasn't it?

We are on our own in a jungle of increasingly damaging and predatory businesses, with health care and the fourth estate topping the list "changing business models" that are directly causing enormous harms.

In the general scheme of things with the regime, consumer protection is a dirty word. AFAIK, the FTC Consumer Protection Bureau and Consumer Financial Protection Bureau have essentially stopped all the work those agencies were doing before Jan 20, 2025. As acting Director of CFPB Vought tried to fire 90% of the people but was blocked by a court. Still fired a bunch. He also refused to the funding draw and ordered everyone to not just stop investigations and enforcement actions, but actually reversed actions.

I'm less up on what's happened at FTC CPB, but I have no doubt they aren't doing much protecting of anyone. For example, came across these tidbits from the felon's appointed director:

In contrast to the view of the FTC under Khan, Mufarrige recognized that the sharing of information on the Internet benefits consumers and allows much of the free content that consumers enjoy.

Mufarrige noted that the goal of the Trump administration is to promote economic growth through AI and not to strangle it with regulation.


But, back to our insane health care system. Medical care is not a fucking commodity! You need what you need when you need it. "Market forces" have no place. NONE whatsoever.

And our 100% Fee for Service model is even crazier.

Arrrgghh. I'll stop there.

IcyPeas

(24,636 posts)
46. For-Profit-Healthcare...... think about that phrase.
Sun Nov 16, 2025, 07:22 AM
Sunday

The whole industry is a scam.

Health insurance lobbyists... politicians... making money off sick people.

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