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View Diary: Healthcare Reform: What a Week (236 comments)

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  •  A variety of private plans won't help me (1+ / 0-)
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    Karl Rover

    unless there's a requirement that one plan or another must accept all comers?  After the state of Cal forbade the insurers from using health status, etc. to calculate premiums, the market tightened drastically, so now most people who apply after their 20s can't get coverage.  Instead of "rating" or overcharging those with preexisting conditions, the insurers now simply refuse to cover them in the first place.

    I can apply to all of those generous-yet-not-goldplated programs, but I will be turned down by all of them.  Again, I'm uninsurable.  That's why I need a public option (if I can't have single payer).

    Hike On! (formerly Healthy Minds & Bodies), discussing outdoor adventures Tuesdays 5 PM PDT

    by RLMiller on Mon Aug 10, 2009 at 08:45:37 AM PDT

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    •  Whoa! (0+ / 0-)

      That's the entire point of the legislation -- that insurers can't turn you down or refuse to cover certain pre-existing conditions and must rate your premiums according to the criteria I described above.  Every single bill -- including the Finance Cmte. bill (although that bill is a lot weaker because of the amount which insurers are allowed to vary premiums by age) -- has these provisions.

      •  I just slugged through Baucus' 98 pg opus (0+ / 0-)

        (specifically, pp 27-35 or thereabouts) and it's not going to help me.  The insurers in the exchange who have to cover me can rate me, which means that my premiums would be sky high and I can continue to be gouged by for-profit insurers.  This accords with common sense; any centrist/conservative/free-market plan permits insurers an out, either to refuse to underwrite, or to charge a lot for underwriting.  

        I also don't like Baucus' plan for reasons mentioned by others on this site, e.g., it simply adds another layer of bureaucracy to already-bloated insurance bureaucracies.

        Hike On! (formerly Healthy Minds & Bodies), discussing outdoor adventures Tuesdays 5 PM PDT

        by RLMiller on Mon Aug 10, 2009 at 09:43:45 AM PDT

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        •  The insurance company can't rate you ... (0+ / 0-)

          ... for anything except your geographic region, your family structure, and your age.  That's the heart of the Baucus legislation, although again, the limitation to age variation (5:1) is way, way too weak.

          As for your last point, there will never, ever be just a relationship between you and your doctor.  There will always be some insurance company or government beauracrat in between you and your doctor who tells you what treatments the insurance company or government is and is not willing to pay for the full cost; i.e., no insurance company or government beauracrat is going to say that they are willing to spend $450,000 to extend your life at most another six months when there are plenty of people waiting in line to get surgery for chest pain or a bad back.

          •  Ummm... (0+ / 0-)

            you're saying one thing, but Senator Baucus' "Call to Action" pdf says another.  I haven't read the bill, so if you can point out exactly where the bill contradicts the pdf and says that I must be covered and can't be charged an exorbitant rate, I'll withdraw.  However, the pdf that I read does say that insurers who must cover people in the exchange can rate them.  The pdf is in line with media and blog discussions of the Baucus plan, i.e., any conservative/free-market/pro-insurer plan will ensure that insurers reserve either the right to refuse to insure or to charge a lot to insure.

            Also, please read my above comment before setting up a strawman.  I stated that the Baucus plan adds another layer of bureaucracy.  In other words, I'm not saying I expect no bureaucracy -- but the Baucus plan adds a fourth participant, the exchange bureauracy, into the patient-doctor-insurer bureaucrat triangle.

            Hike On! (formerly Healthy Minds & Bodies), discussing outdoor adventures Tuesdays 5 PM PDT

            by RLMiller on Mon Aug 10, 2009 at 10:26:58 AM PDT

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