Republican Senate candidate Matt Bevin, an anti-Obamacare advocate, was once a victim of the pre-reformed insurance industry’s strict pre-existing condition policy.
The practice commonly referred to as “medical underwriting” requires people to give a complete, detailed medical history when seeking independent insurance coverage. Both minor and common conditions like an old knee injury from college or hay fever often resulted in reject applications or coverage with high premiums.
In Bevin’s case, his “pre-existing” condition was being in the process of adopting a child. Bevin shared the experience with a crowd on a campaign stop in Western Kentucky on Monday.
“For over a year or so, I had no coverage for my entire family. That’s a little bit unnerving for people,” Bevin said.
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According to the to the American Civil Liberties Union, an investigation by the House Committee on Energy in Commerce revealed many insurance companies denied pregnant women, expecting fathers, and those who were in the process of adopting coverage due to the rule requiring them to extend coverage to the newborn. Under the Affordable Care Act, Bevin would not have had this issue. When the ACA went into effect October 1, one of the major changes in the insurance game was the prohibition of medical underwriting.
While many would see his ordeal as a reason to support the ACA, Bevin remains firmly against Obamacare. His official campaign website proposes that Obamacare “isn’t even fully implemented, and it is already a disaster.”
“We need to defund Obamacare immediately and repeal Obamacare as quickly as legislatively possible. When fully implemented, it will raise the cost of healthcare, destroy jobs, and allow government to play an even larger role in our most personal decisions,” the site reads.
Bevin may stand against the reform, but the numbers show it has helped his constituency. Think Progress reports that under the ACA, Bevin’s own state of Kentucky has seen a 40 percent drop in the uninsurance rate with more than 400,000 Kentuckians now insured by Obamacare