Monday, April 3, 2017

Insurance Across State Lines


In the now-failed ACA repeal and replace bill was a plan to eventually allow health insurers to sell across state lines. While I support the idea, there is one huge answer that has not been addressed: provider agreements. Would each physician be forced to sign a provider contract with every out of state insurer they deal with, or do these agreements go by the wayside and each policy contain a provision stating the maximum the will pay on any one procedure code? Surely they won't just pay whatever the provider bills (?). If anyone knows the answer I’d love to hear it, as this is too important to not be addressed – especially when the stated aim is to lower insurance premiums.

Thursday, March 23, 2017

No To Republican Health Care Proposal


I want go on record as opposing this plan. Everyone reading this knows I don’t like The Affordable Care Act (aka ObamaCare), so how could I possibly support another version of it? The only thing that will come out of the Ryan/ Trump plan is higher costs to consumers, greater budget deficits, and more uninsured.

They need to start over completely with a plan that allows ala carte coverage, and reverts to the old system of – say – 500.00 deductible, 25/75% co-insurance, and a max out of pocket of 5,000., and do away with mandatory “essential” health benefits such as pediatric dental and vision (people can but it if needed).