Impeding changes to our Health Care system

[Happy Monkey]

Originally Posted by classicman

How much? Costs increase all the time. For everything, not just health insurance.

Percentage. Costs can increase, but the percentage of those costs that the employees pay can't. There might be some issue as to what a significant deductible or co-pay increase consists of, but once that's defined the plans will be able to decide whether to follow the new regulations, or raise the co-pay by a bit less.

So a doctor retires and "the plan" selects a new one to replace him ... OUT.
If a plan wants to ADD doctors to INCREASE the options for the insureds .. OUT.

Incorrect. Insurance provider. Not doctor. If your employer moves from Aetna to UnitedHealthcare, they obviously can't call it the same plan. Again, it is your employer changing the plan from the one you like.

[classicman]

Originally Posted by Happy Monkey

Percentage. Costs can increase, but the percentage of those costs that the employees pay can't. There might be some issue as to what a significant deductible or co-pay increase consists of, but once that's defined the plans will be able to decide whether to follow the new regulations, or raise the co-pay by a bit less.

Got it. ... once that is defined.


I read it this way at first and then changed my mind.

Incorrect. Insurance provider. Not doctor. If your employer moves from Aetna to United Healthcare, they obviously can't call it the same plan. Again, it is your employer changing the plan from the one you like.

... to perhaps a better one or similar one for less cost or a worse one. It doesn't matter. There are too many unknowns. And insurance costs may change from plan A to plan B so that in one case copay for prescription increases while at the same time the co-pay for a doctors visit decreases. How does that work out? No one knows - - - - - yet.