What I am hoping to see from the final health reform bill
I would like to see:
1. An immediate end to prior conditions, rescission or lifetime caps effective the second the bill is signed. 2. Guaranteed coverage with no age discrimination 3. A National exchange of choices like those offered in the Federal Employees Health Benefits Program 4. A public option available to anyone who chooses it over a private plan 5. The Weyden amendment allowing choice for EVERYONE 6. Premiums capped at no more than 5% of income. Deductibles and co-pays to never exceed another 2% 7.Government negotiated drug prices for both Medicare and the new Public Option (I still don't see why we have to create a brand new entity when we have a perfectly fine one with Medicare) 8. Allow insurers to sell in all 50 states to increase competition
************************ I DON'T want to see:
delayed implementation for ridding us of the worst insurance practices (those in #1) Age discrimination Higher co-pays and deductibles Triggers
************************ I don't care either way about :
Tort reform or co-ops
************************
So, what if anything that I would like to see do you think has a chance of coming through at this point?
A group of churches could pool their funds together and form an insurance co-op, but that co-op (under current laws) would have the power to deny coverage to anyone who they felt violated church teachings. And if you're already a policyholder and someone in your church says they caught you voting for a pro-choice candidate? You could lose your coverage, too.
3. I believe I have read that there are only 2 successful or considered to be successful
health co-ops in the country. I would think that success would be a function of size. I never understood why there isn't a National Small Business Co-op, for instance that small businesses could have banded together under long ago.
If you did have healthcare through a religious health co-op, at least you have some comfort in knowing that you would/should have other options open to you.
5. I just know there are quite a few states that are virtual monopolies with just
one or two insurers holding the bulk of the policies.
Aren't we supposed to be in the throes of "National Healthcare Reform"? Wouldn't the legislation be binding on all the states? If you remove the most onerous practices of the industry through federal law, what's really left for the states to regulate?
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