First and foremost I like the PPC because it actually provides care that I can afford! I qualify for only a tiny bit of help with my payments under the ACA and I don’t make very much money! (Less than $35,000/yr). The “help” does not bring the ACA costs within my budget. None of the ACA or Cover Oregon plans are actually affordable if you don’t make much money. If you make over $35,000 you don’t even get help if you are single!
I did a lot of research into the “insurance” offered under the ACA and Cover Oregon and found that the only difference in the plans was how much the deductible and the monthly premiums were. The co-pay after your deductible varies depending on the monthly premium and which plan you choose. Unless you have an illness such as diabetes or you have children the plans are all the same. . . They provide ONE exam per year (women can stretch it to three). Many of the plans only cover half or less of a hospital stay AFTER the $2,000 to $6,000 deductible. And you can forget about alternative care such as chiropractic or massage therapy. Most of the plans don’t cover chiropractic and the ones that do don’t cover anything until AFTER you pay the deductible. None of the plans cover massage therapy (something I need).
With the PPC, I just pay a small monthly fee to the co-op and choose which providers I want to see. Chiropractors, Acupuncturists, Naturopaths, massage therapists, dentists, and MDs. There are many health care choices with the PPC. If I decide to choose a specific provider I pay for that provider’s small monthly fee as well. Sound like insurance? It isn’t. The great thing about the PPC is that there are no deductibles and you can start seeing your provider right away. Can’t decide on a provider? All members of the co-op receive discounts from the listed providers so you can check ‘em out before you decide. All in all it’s a great way to do an “end run” around the ACA. Forcing the entire populace to pay for profit companies for “insurance” is not healthcare. I would rather take the tax hit and be able to actually see the care providers I need. Through the PPC I can receive the care I need and I don’t have to consult anyone but my health care providers. Cool huh? Actual care that real people can afford. THAT is health care reform!