Restricted Access In Affordable Care Act - 47 ABC - Delmarva's Choice

Restricted Access In Affordable Care Act

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WMDT 47 NEWS - Some people getting heath insurance through the government's health exchange are finding their plans limit access to some of the best ranked facilities in the country.

But according to Chris Carroll, an insurance agent with Atlantic/Smith, Cropper & Deeley Insurance in Willards, MD, in Maryland and Delaware, people enrolling in ObamaCare won't have to worry about changes to where or by whom they're treated.

"As it stands right now, just because you bought your coverage through the exchange, you shouldn't be worried about losing your physician locally, here on the shore," says Chris Carroll.

Which has become an issue in states like California and Ohio, where specialists and certain hospitals which were once a part of their healthcare network, now come at an added cost.

Experts say this is part of keeping the costs as low as possible, and being able to offer income based subsidies.

Carroll says you may still have to pay more for a specialist outside of the states that make up Delmarva, but that's no different than what would happen with any health insurance, saying "consumers have always had to pay more for a wider network of physicians.  That's not different under this law."

One thing insurance agents are keeping an eye on, is how micro networks will continue to develop under the Affordable Care Act.

This essentially allows employer groups to restrict people from going to certain doctors or hospitals, but Chris Carroll said that's something the insurance industry is looking into to save money, not so much a part of the new healthcare overhaul.

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