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Awaiting approval for state health insurance exchanges
Today the Secretary of Health and Human Services to tell states whether their plans for health insurance exchanges pass muster.
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The fiscal cliff wasn't the only important deadline in Washington today.
Today is the day the Secretary of Health and Human Services tells states whether their plans for health insurance exchanges pass muster. These are the new insurance marketplaces provided for under Obamacare.
24 states and the District of Columbia have applied to set up exchanges. Consumers in the rest of the states can use a single, federally-maintained exchange to help find coverage when the insurance mandate goes into effect a year from today.
Oregon is one state that's been near the head of the pack in setting up its exchange. Its version called CoverOregon, and Rocky King is the executive director.
He describes the plan that Oregon has laid out: "Just picture a house that you can walk through the front door -- no matter who you are -- give some information at a desk that's right there. And whether you are an individual that is eligible for Medicaid -- we can send you down the hallway to the room that you can enroll in Medicaid there. Or if you are a small group employer, you can go upstairs, and we're going to be able to allow you to shop for plans, enroll in those plans... all walking through that same door."
Increasing the choice to consumers will also reshape the health care industry, King adds. There will be standardized plans, he explains, so "for the first time, you don't have to call up a carrier and say, 'Now tell me what those benefits are again?'"
Instead, you'll be able to look it up, just like a Travelocity-type website: "What's first class, what's second class, what's coach? And compare those plans straight across. It's like putting up the nutritional value of the health care plans," he says.
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Ironic that he compares it to Travelocity selling airfares, first class, business and coach. The airline industry has found a few ways to charge extra for amenities, not reflected in the price shown on travelocity. At one time or another airlines have charged for checked bags, carry-on bags, meals, snacks, alcoholic drinks, non-alcoholic drinks, headsets, blankets, pillows, seating preference, obese passengers, schedule changes, airport fees...
Need I go on?
Of course health insurance providers would never dream of tacking on extras for a small additional charge. I am sure all of these plans will cover dental and vision and...well you get my point.
