Public Health Care Option

[Crabcake Johnny]

We have GI without a mandate - check out the 6 GI states and find out how it's going with them. Price up a plan in NY.

If Obama wants to research GI without a mandate just have him call the WA governor or insurance commissioner.

 

[Winter_123]

We have GI without a mandate - check out the 6 GI states and find out how it's going with them. Price up a plan in NY.

If Obama wants to research GI without a mandate just have him call the WA governor or insurance commissioner.

Indeed. Actually a state like Maine might serve as better bad example than Washington State.

My understanding is that Washington is guaranteed issue in the sense that if they do not qualify for a plan from a regular free market carrier that they are at least guaranteed to get a plan (if you can afford it) from a public option risk pool (LGilmore would know more on this).

That is vastly better than in my state because at least the very sick in Washington are out of the pool for the regular folk and a healthy person has a chance to get a better rate (what a concept!). In Maine, there is no risk pool. If you are a carrier then you must take everyone-period, although a six month pre-x can apply. So you cannot buy a plan without bearing part of the cost of the otherwise uninsurable people AND WHAT A COST IT IS.

As an important side point, it is important to note that in states such as Maine, the state government broke the free market system though interference and drove all the competition out of the state. Now, the same folks are crying for a public option because there is no competition. Oy!

 

[somarco]

Give them Medicaid as a public option. They might change their tune.

 

[CHUMPS FROM OXFORD]

Just curious what each state's GI rates are.

In Ohio...here are some examples for a basic policy with RX

Monthly rates:

Male 38- $539
Male 48- $819
Male 53- $1076

(Anthem Hipaa)

 

[JMO Fan]

VT has GI also, but hardly any carriers.

 

[somarco]

Georgia.

M 38 - $233
M 48 - $312
M 53 - $463

Decent plan. Indemnity plan. I don't see what the problem is (other than a lack of network access).

 

[CHUMPS FROM OXFORD]

Bob...Are there other plan options. We have four options but the rates I illustrated were the second cheapest.

GI Ga rates are pretty good. Do you get paid for writing the business?

 

[somarco]

4 plans available. 2 indemnity, 2 HMO.

HMO only available to those in the ATL area who are currently under an HMO.

The two indemnity plans are virtually alike except for the deductible ($2000/$2500). I quoted the $2500.

I think the rates are outstanding. You can pair the coverage with a separate PPO discount card and make it a halfway decent plan.

Of course most folks think the coverage stinks because it isn't free.

No commission.

 

[TXINSURANCE]

I think the rates are outstanding. You can pair the coverage with a separate PPO discount card and make it a halfway decent plan.

Of course most folks think the coverage stinks because it isn't free.

Best line of this post.

Short of FREE (or paid by someone else) everything stinks in the eyes of the consumer.

P.S. Washington is a bad example of GI, it "sort of" works there.

 

[Crabcake Johnny]

They won't sign up for free either - just ask Mass. I can't tell you how many clients I've referred to MCHIP for their kids after I found out their kids qualify for 100% free health care. Of course, they're just heading out the door so call back later.

Those who go to the site with me are thrilled "WOW....so my daughter can get a free plan!" The excitement goes away when the mom realizes she has to fill out the app, comply with some basic verification and mail it in.

So, what Americans really want is FREE health care but also, they don't want to have to like, fill out anything. Just send them a card in the mail.