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Originally Posted by flstf
rahl, do you have an opinion of what will happen to insurance rates if the bill passes with the requirements that insurance companies must cover all pre-conditions with no maximum limit of benefits and no cancellations when one loses their job? Or put another way how much would this add to the average persons insurance premiums if these rules were implemented today? I believe the current estimate of health insurance for a basic family plan is about $1400 per month.
If some people are afraid that the government option may contain a death panel can't they just pay a little more and get a private plan? Those who would rather have a group of insurance adjusters deciding what is medically necessary rather than a government appointed panel may be willing to pay more. This may be a way for private insurers to compete, something like " Blue Cross will never pull the plug on grandma".
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Insurance companies don't have "death panels" and neither does the bill in question. I can't believe this concept even caught on when it was proven otherwise. As for what my opinion on premiums will be, I think they will skyrocket. Having to cover pre-exes is going to seriously drain the pool of reserve funds insurers have to pay claims. There's no way that a maximum benefit will be done away with, it just can't happen. Even a govn't plan will have maximums. As far as keeping coverage if and when you loose employment I think this is a good thing, COBRA sucks. Congress did pass legislation expanding COBRA but it's still a very expensive alternative.