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A Plea to the New Republican Majority
September 22, 2010 | 19 comments
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Another Federal Giveaway to Unions
September 2, 2010 | 2 comments
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Federal Rate Review?
March 4, 2010 | 19 comments
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Redistricting
January 25, 2010 | 5 comments
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They Still Don’t Get It
January 17, 2010 | 20 comments
The Spectacle Blog
Hoo,
boy. Every day brings more surprises. Reading the House bill I
came across a peculiar provision I haven’t seen mentioned
anywhere. As part of Title II, Subtitle C, “Standards
Guaranteeing Access to Essential Benefits” there is
this
“In establishing cost-sharing levels for basic, enhanced, and premium plans under this subsection, the Secretary shall, to the maximum extent possible, use only copayments and not coinsurance.” (page 108)
For some reason the House of Representatives believes that co-payments are good and coinsurance is bad. It’s not that one is more affordable than the other. All “cost-sharing” is limited to $5,000 per individual and $10,000 per family per year.
Most corporate HR people are trying to move away from co-payments in favor of coinsurance after many years of experiencing each. Coinsurance reveals to the consumer the underlying cost of the services consumed, while co-payments hide that knowledge.
And maybe that’s the point. The legislation is already hiding the cost of the insurance coverage by providing income-based subsidies. What a consumer will pay for coverage has no relationship to the cost of the coverage. It is institutionalizing ignorance.
And now it seems that the cost sharing within the insurance will bear no resemblance to the cost of the service. The “price” people pay will be just what we say it is, no more and no less.
If information is power, this is a deliberate effort to keep citizens powerless and enhance the power of the elite. Only the elite will know the real cost of anything and the citizenry will be dependent on their goodwill for the prices we pay
View all comments (32) | Leave a comment
More Blog Posts by Greg Scandlen
http://spectator.org/blog/2009/12/05/co-pays-versus-coinsurance
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Michael F| 12.5.09 @ 10:22AM
Bravo, Mr. Scandlen! Health care will continue to be plagued with cost control problems if prices are ignored. The fear of markets runs deep among the elites and our legislators. I think the proponents or more consumer participation in health care purchases must be on to something.
Ken (Old Texican)| 12.5.09 @ 12:41PM
Greg,
Thank you for that peek.
...just yet another "devil" in the details isn't it.
I wrote here the other day: "I wouldn't trust these people to write and pass ANY bill. "
Sad state of affairs ain't it?
Pingback| 12.5.09 @ 12:47PM
Co-Pays versus Coinsurance links to this page. Here’s an excerpt:
Ken (Old Texican)| 12.5.09 @ 12:48PM
OKOK, (smile)
I haven't had much to say about the healthcare lies.
I shall observe the following, however:
Sarah nailed it: "Death Panels".
That is all we need to know, really. The government is in the process of legalizing the murder of us citizens , merely because we are too old or too sick....or in too much pain.
...Seems to me with passage of this bill, everything we do in the future is pure self defense.
Pingback| 12.5.09 @ 1:35PM
Twitter Trackbacks for The American Spectator : AmSpecBlog : Co-Pays versus Coinsura links to this page. Here’s an excerpt:
Pingback| 12.5.09 @ 6:09PM
The American Spectator : AmSpecBlog : Co-Pays versus Coinsurance « Work4Real | Blogs links to this page. Here’s an excerpt:
Pingback| 12.31.09 @ 11:00PM
Political News Highlights and Controversy» House Health Care Bill Bans Coinsurance links to this page. Here’s an excerpt:
Pingback| 12.31.09 @ 11:00PM
Political News Highlights and Controversy» House Health Care Bill Bans Coinsurance links to this page. Here’s an excerpt:
Pingback| 12.31.09 @ 11:00PM
Political News Highlights and Controversy» House Health Care Bill Bans Coinsurance links to this page. Here’s an excerpt:
Pingback| 12.31.09 @ 11:00PM
Political News Highlights and Controversy» House Health Care Bill Bans Coinsurance links to this page. Here’s an excerpt:
Pingback| 12.31.09 @ 11:00PM
Political News Highlights and Controversy» House Health Care Bill Bans Coinsurance links to this page. Here’s an excerpt:
Pingback| 12.31.09 @ 11:00PM
Political News Highlights and Controversy» House Health Care Bill Bans Coinsurance links to this page. Here’s an excerpt:
Pingback| 12.31.09 @ 11:00PM
Political News Highlights and Controversy» House Health Care Bill Bans Coinsurance links to this page. Here’s an excerpt:
Pingback| 12.31.09 @ 11:00PM
Political News Highlights and Controversy» House Health Care Bill Bans Coinsurance links to this page. Here’s an excerpt:
Pingback| 12.31.09 @ 11:00PM
Political News Highlights and Controversy» House Health Care Bill Bans Coinsurance links to this page. Here’s an excerpt:
Pingback| 12.31.09 @ 11:01PM
Political News Highlights and Controversy» House Health Care Bill Bans Coinsurance links to this page. Here’s an excerpt:
Pingback| 12.31.09 @ 11:01PM
Political News Highlights and Controversy» House Health Care Bill Bans Coinsurance links to this page. Here’s an excerpt:
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