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

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  •  Plan not like public option, not cheap (7+ / 0-)

    I think its good that the government will sponsor some nation-wide plans that can offer competition in states where there are few options.

    But we should be clear about what this is and what it is not.

    Its not the public option. The public option is the government acting as a health insurance company, and thereby using its size to negotiate cheaper prices with health providers like it does with Medicare and Medicaid.

    This is the government contracting with private, non-profit companies that agree to offer nation-wide coverage. The insurance companies will set the prices.

    The Federal Employee Health Benefits program (FEHB), which is available to Members of Congress and other federal employees, does offer great coverage and choices between several different health insurance companies. But the reason its great is because the employer (the government) picks up most of the cost for its employees. For example, GEHA offers two family plans, which cost $10,122 and $16,034 annually. The government picks up 75% and 67%, respectively, for employees in those plans. That makes it a good deal for government employees, but it won't be cheap for people buying into the program without the government picking up most of the tab.

    "Politics is what we do, politics is what we create, by what we work for, by what we hope for and what we dare to imagine." -Paul Wellstone

    by WellstoneDem on Tue Oct 30, 2012 at 07:22:21 PM PDT

    •  Members of congress (2+ / 0-)
      Recommended by:
      howarddream, sethtriggs

      have GEHA health plans and they have "the best health care"

      The OPM is negotiating with GEHA. GEHA is a non profit entity.

      •  It is good coverage, but its expensive (4+ / 0-)
        Recommended by:
        ferg, caul, jrooth, shaharazade

        I enjoy it as a federal employee. Unfortunately, other people won't have the government paying for most of the benefits, like it does for those of us that are federal employees.

        You can look at the cost of the plans yourself: http://www.opm.gov/...

        "Politics is what we do, politics is what we create, by what we work for, by what we hope for and what we dare to imagine." -Paul Wellstone

        by WellstoneDem on Tue Oct 30, 2012 at 07:42:35 PM PDT

        [ Parent ]

        •  ok i see your point. Correct (1+ / 0-)
          Recommended by:
          caul

          I wonder though

          What exactly will the OPM and GEHA be negotiating about?

          Do you think they have a chance at making GEHA work for the uninsured at least as well as for members of congress?

          •  If your name starts with Senator (1+ / 0-)
            Recommended by:
            shaharazade

            or Congressman/woman you will always get better service from the hospital or doctor — or at least more prompt and obsequious service.

            The big problem is not the financing (which is all insurance is whether public or private). It is the care itself.

            I'm asking you to believe. Not in my ability to bring about real change in Washington ... *I'm asking you to believe in yours.* Barack Obama

            by samddobermann on Wed Oct 31, 2012 at 06:47:11 AM PDT

            [ Parent ]

        •  Looking at more details (0+ / 0-)

          http://www.geha.com/...

          For $917 a month premium, for a standard family plan, you get --

          $700 deductible

          Then

          Small copays for office visits
          Small copay for vision care
          No copay for well-care/preventive care
          50% coverage of dental
          15% of hospital visit cost

          And that's what somebody probably thinks is affordable.

          Not.

          It's basically catastrophic care insurance. After the $11,000 a year in premiums, $700 in deductibles, and up to the $5000 limit on out-of-pocket cost if you need catastrophic care.

          That cost. That's what the OPM and GEHA could be negotiating.

    •  Since plans are approved at present (1+ / 0-)
      Recommended by:
      shaharazade

      at the state level, in terms of the coverage they offer and rates they charge, how will this work at the national level? Who will approve plans that originate out of state, each state's insurance commissioner, or some national commissioner?

      "Liberty without virtue would be no blessing to us" - Benjamin Rush, 1777

      by kovie on Wed Oct 31, 2012 at 08:02:33 AM PDT

      [ Parent ]

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