Why would private insurers be prohibited from offering private, individual enrollment to people not already enrolled? What is the point in this? Who came up with this idea and why?
nancy
--- On Sun, 7/19/09, Linda Ellis <lellis4563@sbcgloba
>>Why not let the people have a public option and those that 'love' their health plan can remain with it?<<
Here's the problem with that, at the moment.� House Bill 3200, page 16, has a section called "Limitations on Enrollment," which specifically states that, once this bill is enacted, private insurers are expressly prohibited from offering private, individual health insurance to any individual not already enrolled. Now, in my case, here's how that works.
We are currently covered under my husband's union BCBS policy, but we're getting ready to retire. We won't yet be eligible for Medicare, so there will be about four years where we'll have to fill in on the health insurance issue - six years for me. We have been scouting out Health Savings Accounts, and given the way we use health care, we're looking at a high-deductible policy. I'm thinking between $5,000 and $10,000 deductible.
We are looking at starting this policy probably in 2010. The premiums would be quite affordable, given my current research, and since we're in good health, with no chronic problems at this time, we'd be fine with a policy that would step in only if catastrophe struck. And, since this type of policy would let me count the ACTUAL costs of our eyeglasses and dental care (WAY more than most insurance policies generally reimburse), it works really well for us.
But, if the current bill passes, that section on Page 16 may very well prohibit us from considering this cost-effective private option I've been researching for years now. We would lose my husband's union coverage at pretty much exactly the same time that the government shut down any private insurance option for us.
I hate that.
Linda
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