Friday, March 21, 2014

Americans for Prosperity... running an ad featuring a real-life woman named Emilie Lamb, a 40-year-old Tennessean who suffers from lupus. At the end it displays the message:


And my first thought was, what's better than Obamacare, the status quo? Surely not. The non-existent Republican health care plan? The question answers itself.

So, really, what the heck is AFP talking about? And is the ad even accurate? For this last question I went to, "Does an Americans for Prosperity ad about a woman with lupus tell the whole story?" It's a good read. Here's the gist of it (my emphasis):

Testimonials are a powerful tool for ad-makers but the anecdotal evidence presented in them is often atypical. In this case, the ad doesn’t present a full picture of the law’s effects.

In addition to the ad, Lamb was invited to the State of the Union on Jan. 28 as the guest of Rep.  Marsha Blackburn, R-Tenn., who told Lamb’s story in an op-ed piece for The Tennessean and during a House Energy and Commerce Committee hearing. Lamb also penned her own op-ed for the New York Post describing her health situation in more details.

We tried to reach Lamb through Blackburn’s office and through other means, but were unsuccessful.


The plans on the federal marketplace also have no cap on the annual benefits an individual can claim. This would be particularly critical for serious illness that would result in extended hospital stays. When Lamb had CoverTN, if she got really sick, from her lupus or something else, or was in an accident, her coverage would stop at $25,000. That’s not allowed anymore.

So, in other words, if Ms. Lamb got, say, cancer, and her bill exceeded $25,000 -- by a lot -- either she would have to declare bankruptcy or you and I would have to pick up the tab. Which is better?

But proponents of the law say the purpose of insurance is to protect you when you get sick and against catastrophic circumstances. Plans that capped coverage often did not meet that standard, and Lamb’s previous plan definitely capped coverage.

I repeat:

...the ad doesn’t present a full picture of the law’s effects.

Read the piece.

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