Nevada Pinoys still leery of signing up for Obamacare

By Bev Llorente, ABS-CBN North America Bureau

Dec. 10, 2013

LAS Vegas, Nev – As the Obama administration struggles with fixing problems in its healthcare website and convincing the public to give it another try, kababayans in Nevada continue to have mixed opinions on Obamacare.

Enrique and joan jamelo are both uninsured and would like to believe obamacare can help them.

When enrique was voluntarily discharged from the military, he lost his medical coverage.

Although his wife joan works in a casino, she is still not eligible for insurance coverage as she only works part time.

It’s difficult because there’s no security,” Joan Jamelo said. “When you have kids and they get sick, that’s our concern. That’s why we’re asking about those coverages and how much the plans are.”

“You don’t know how much you’ll have to pay the hospital if you get sick without insurance,” Enrique Jamelo said.

Like many other households, the Jamelos is just one of the many families in Nevada who are longing for affordable healthcare insurance. But they are also among those who are confused by the system, especially when its own website has faced technical glitches.

But community leaders here encourage them to be patient, to truly know the law’s benefits.

“What our role is to make sure that the Filipinos—our kababayan— know about what’s happening because many of them don’t know that they can get subsidies, as well, even though they are not working,” Rozita Lee said. “They’re so afraid to come and sign up. We can also help them out to get good health care.”

Lee added that although security issues are now a concern to many, she assures Nevadans that all information is kept confidential. She says cost has also become an issue for people.

“Many of them are still have a big question mark primarily,” Lee said. “That’s our role to help them to understand. How expensive is it? They don’t know what the cost is. It’s not expensive; it’s affordable.”

Dr. Noel Fajardo of Las Vegas Gastroenterology says the government needs to do more to educate the people and even the medical community about the benefits of Obamacare.

“People are misinformed and there’s a lot of confusion as to when they are going to be eligible for receiving services under the ACA ,” Fajardo said. “Whenever they ask us questions we could not give direct answers because it’s quite difficult for us to find a resource. This is the same situation when they go to the website and internet. They find a lot of misinformation as well.”

President Obama hopes the new and improved website can handle 800,000 a day or more, without major problems.

But the White House warns that glitches may still occur and describes the website as a work-in-progress.

3 Comments on this post.

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  • henry taaca
    10 December 2013 at 7:04 pm - Reply

    people were just asking how much is bmama care all she can say is affordable.does she knows what she is talking about.

  • amfil
    11 December 2013 at 12:22 am - Reply

    Most of them think its free
    the average deductible is 5000, the insurance will not kick in until you have reached 5000.

    this will force more people to medicaid

  • amfil
    11 December 2013 at 12:28 am - Reply

    In an insurance policy, the  is the amount of expenses that must be paid out of pocket before an insurer will pay any expenses.[1] In general usage, the term  may be used to describe one of several types of clauses (see below) that are used by insurance companies as a threshold for policy payments.

    Deductibles are typically used to deter the large number of trivial claims that a consumer can be reasonably expected to bear the cost of. By restricting its coverage to events that are significant enough to incur large costs, the insurance firm expects to pay out slightly smaller amounts much less frequently, incurring much higher savings. As a result, insurance premiums are typically cheaper when they involve higher deductibles. For example, phone companies offer replacement plans, with deductible set at the level of wholesale price of the phone. As added benefit to them, the customer does not switch to different company as they often do with new phone purchase.

    Deductibles are normally provided as clauses in an insurance policy that dictate how much of an insurance-covered expense is borne by the policyholder. They are normally quoted as a fixed quantity and is a part of most policies covering losses to the policy holder. The insurer then becomes liable for claimable expenses that exceed this amount (subject to the maximum sum claimable indicated in the contract). Depending on the policy, the deductible may apply per covered incident, or per year. For policies where incidences are not easy to delimit (for example health insurance), the deductible is typically applied per year.

    Several deductibles can be set by the insurer based on the cause of the claim. For example, a single housing insurance policy may contain multiple deductible amounts for loss or damage arising from theft, fire, natural calamities, evacuation etc.

    There are also deductible reimbursement programs that reimburse a deductible in the event of an auto, home, boat/yacht or health insurance claim.