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View Diary: A shocking Obamacare fact no one realizes (195 comments)

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  •  GEHA (3+ / 0-)
    Recommended by:
    howarddream, Miggles, caul

    provides some of the best heath care coverage to members of congress. We all know that.

    The uninsured will have that same GEHA non-profit option, the one members of congress have.

    Which is better, A member of congress health plan (GEHA) or Medicare?

    •  Medicare. (8+ / 0-)

      For many reasons strategically, financially, based on cost and benefits. The devil is in the details. The multi-state plans will be an improvement for rural areas where few, if any, insurance options exist. Insurance companies area abandoning many geographical areas so the MSPs do add choice for these populations. But they're not public and they're not going to be anywhere as affordable as Medicare.


      Although the White House has not yet released the rules for federally-sponsored national health plans, we really don’t need those rules to know that this program is not an incremental step towards a single payer national health program.

      At this point, consideration is being given to using the Government Employees Health Association as a national plan to be offered to individuals and small businesses through the state insurance exchanges. This plan is one already offered to government employees through the Federal Employees Health Benefits Program (FEHBP) administered by the United States Office of Personnel Management (OPM).

      This is still a private plan, even if it is non-profit serving government employees. It is not and never will be a publicly-owned plan such as the traditional Medicare program. Currently it is being proposed for a rather limited market – the state insurance exchanges which will be offering coverage for only the relatively small proportion of our population that qualifies for the exchanges. It will be competing on a private market basis with other private plans within the exchanges. There is concern that it would be exposed to adverse selection – insuring more expensive patients such as those with preexisting disorders, many of whom are currently amongst the ranks of the uninsured. So it may not even be able to compete on an equal basis with the other private plans that have proven themselves quite capable of dodging adverse selection. So it still will be just another cog in our fragmented, dysfunctional system of financing health care.

      It will be offered nationally, in some ways meeting the expressed desire of Republicans to offer insurance across state lines. It is unclear if this would satisfy their intent to allow the plans to escape state regulation since it is not yet known how the state and federal governments will share regulatory oversight. This aspect of the national plan could be a step backward.

      Thus this national private plan currently offered to government employees will still be nothing more than a private plan in a market of other plans within the state exchanges. The single payer community should not waste its time trying to make this plan something that it is not and never can be. We cannot let up in our advocacy for a bona fide national single payer program – an improved Medicare for all.

      Let all Bush tax cuts expire and , bring on the Sequestration cuts to defense.

      by kck on Tue Oct 30, 2012 at 07:27:42 PM PDT

      [ Parent ]

    •  They will have the same company (0+ / 0-)

      But will they have the same plans?  Or the same prices?

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