About 'united health care claims'|A Conversation with a Representative of United Health Care

About 'united health care claims'|A Conversation with a Representative of United Health Care

Ｔｈｅ               ｃｕｒｒｅｎｔ               ｄｅｂａｔｅ               ｏｖｅｒ               ｔｈｅ               ｐｕｂｌｉｃ               ｏｐｔｉｏｎ               ｉｎ               ｈｅａｌｔｈ               ｃａｒｅ               ｌｅｇｉｓｌａｔｉｏｎ               ａｃｃｅｎｔｕａｔｅｓ               ｔｈｅ               ｈｙｐｏｃｒｉｓｙ               ｏｆ               ｐｏｌｉｔｉｃｓ               ｉｎ               ｇｅｎｅｒａｌ               ａｎｄ               Ｒｅｐｕｂｌｉｃａｎ               Ｓｅｎａｔｏｒ               Ｊｏｈｎ               Ｅｎｓｉｇｎ               ｉｎ               ｐａｒｔｉｃｕｌａｒ. Ｊｏｈｎ               Ｅｎｓｉｇｎｓ               ｓｏｌｕｔｉｏｎ               ｔｏ               ｈｅａｌｔｈ               ｃａｒｅ               ｉｓ               ｔｏ:               "ｌｅａｄ               ａ               ｂｅｔｔｅｒ               ｌｉｆｅ               ｓｔｙｌｅ."               Ｅｎｓｉｇｎ               ａｌｓｏ               ｒｅｊｅｃｔｅｄ               ｔｈｅ               Ｆｉｎａｎｃｅ               Ｃｏｍｍｉｔｔｅｅ               Ｈｅａｌｔｈ               Ｃａｒｅ               ｂｉｌｌ,               ａｌｌｅｇｉｎｇ               ｔｈａｔ               ｉｔ               ｗｉｌｌ               ｒｅｓｕｌｔ               ｉｎ               ａ               ｍａｓｓｉｖｅ               ｔａｘ               ｏｎ               ｍｉｄｄｌｅ-ｃｌａｓｓ               Ａｍｅｒｉｃａｎｓ               ａｎｄ               ｒｅｓｕｌｔ               ｉｎ               ａ               ｌｏｓｓ               ｏｆ               Ｍｅｄｉｃａｒｅ               ｃｏｖｅｒａｇｅ               ｆｏｒ               ｓｅｎｉｏｒｓ. Ｈｅ               ｆｕｒｔｈｅｒ               ａｌｌｅｇｅｓ               ｔｈａｔ               ａ               "ｇｏｖｅｒｎｍｅｎｔ-ｒｕｎ               ｈｅａｌｔｈ               ｃａｒｅ               ｓｃｈｅｍｅ               ｗｏｕｌｄ               ｐｌａｃｅｓ               ｐｅｒｓｏｎａｌ               ｈｅａｌｔｈ               ｃａｒｅ               ｃｈｏｉｃｅｓ               ｉｎ               ｔｈｅ               ｈａｎｄｓ               ｏｆ               ｂｕｒｅａｕｃｒａｔｓ               ｉｎｓｔｅａｄ               ｏｆ               ｉｎ               ｔｈｅ               ｈａｎｄｓ               ｏｆ               ｉｎｄｉｖｉｄｕａｌｓ               ａｎｄ               ｔｈｅｉｒ               ｄｏｃｔｏｒｓ."               Ｈｅ               ｇｏｅｓ               ｏｎ               ｔｏ               ｓａｙ               ｔｈａｔ               "ａ               ｇｏｖｅｒｎｍｅｎｔ               ｓｙｓｔｅｍ               ｗｏｕｌｄ               ｌｅａｄ               ｔｏ               ｆｅｗｅｒ               ｃｈｏｉｃｅｓ               ｆｏｒ               ｉｎｄｉｖｉｄｕａｌｓ,               ｔｈｅ               ｒａｔｉｏｎｉｎｇ               ｏｆ               ｍｅｄｉｃａｌ               ｃａｒｅ. Ｅｎｓｉｇｎ               ｋｎｏｗｓ               ｂｅｔｔｅｒ.                Ｎｏｔｈｉｎｇ               ｉｎ               ｔｈｅ               ｌｅｇｉｓｌａｔｉｏｎ               ｗｏｕｌｄ               ｉｍｐａｃｔ               ｏｎ               Ｍｅｄｉｃａｒｅ. Ｆｕｒｔｈｅｒ,               Ｍｅｄｉｃａｉｄ               ｆｕｎｄｓ               ｆｏｒ               Ｎｅｖａｄａｎｓ               ｗｏｕｌｄ               ｌｉｋｅｌｙ               ｂｅ               ｉｎｃｒｅａｓｅｄ. Ｆｕｒｔｈｅｒ,               ａｌｌ               ｆｅｄｅｒａｌ               ｅｍｐｌｏｙｅｅｓ,               ｉｎｃｌｕｄｉｎｇ               ｍｅｍｂｅｒｓ               ｏｆ               ｃｏｎｇｒｅｓｓ               ａｎｄ               ｔｈｅｉｒ               ｓｔａｆｆｓ               ａｒｅ               ｅｌｉｇｉｂｌｅ               ｔｏ               ｐａｒｔｉｃｉｐａｔｅ               ｉｎ               ｔｈｅ               Ｆｅｄｅｒａｌ               Ｅｍｐｌｏｙｅｅｓ               Ｈｅａｌｔｈ               Ｂｅｎｅｆｉｔｓ               Ｐｒｏｇｒａｍ               (ＦＥＨＢＰ).                ＦＥＨＢＰ               ｉｓ               ａ               ｓｙｓｔｅｍ               ｏｆ               "ｍａｎａｇｅｄ               ｃｏｍｐｅｔｉｔｉｏｎ"               ｔｈｒｏｕｇｈ               ｗｈｉｃｈ               ｅｍｐｌｏｙｅｅ               ｈｅａｌｔｈ               ｂｅｎｅｆｉｔｓ               ａｒｅ               ｐｒｏｖｉｄｅｄ               ｔｏ               ｆｕｌｌ-ｔｉｍｅ               ｐｅｒｍａｎｅｎｔ               ｃｉｖｉｌｉａｎ               ｇｏｖｅｒｎｍｅｎｔ               ｅｍｐｌｏｙｅｅｓ               ａｎｄ               ｑｕａｌｉｆｉｅｄ               ｒｅｔｉｒｅｅｓ               ｏｆ               ｔｈｅ               Ｕｎｉｔｅｄ               Ｓｔａｔｅｓ               Ｇｏｖｅｒｎｍｅｎｔ. Ｔｈｅ               ＦＥＨＢＰ               ａｌｌｏｗｓ               ｉｎｓｕｒａｎｃｅ               ｃｏｍｐａｎｉｅｓ               ａｎｄ               ｅｍｐｌｏｙｅｅ               ａｓｓｏｃｉａｔｉｏｎｓ               ｓｕｃｈ               ａｓ               ｌａｂｏｒ               ｕｎｉｏｎｓ               ｔｏ               ｄｅｖｅｌｏｐ               ｈｅａｌｔｈ,               ｄｅｎｔａｌ,               ａｎｄ               ａｌｌｉｅｄ               ｐｌａｎｓ               ｔｏ               ｂｅ               ｍａｒｋｅｔｅｄ               ｔｏ               ｇｏｖｅｒｎｍｅｎｔａｌ               ｅｍｐｌｏｙｅｅｓ.                Ｆｏｒ               Ｅｎｓｉｇｎ               ａｎｄ               ａｌｌ               ｏｔｈｅｒ               ｌｅｇｉｓｌａｔｕｒｅｓ               ａｎｄ               ｆｅｄｅｒａｌ               ｅｍｐｌｏｙｅｅｓ,               ｔｈｅ               ｇｏｖｅｒｎｍｅｎｔ               ｐａｙｓ               ａ               ｐｏｒｔｉｏｎ               ｏｆ               ｔｈｅｉｒ               ｈｅａｌｔｈ               ｃａｒｅ               ｃｏｓｔｓ               ｂｒｉｎｇｉｎｇ               ｔｈｅｉｒ               ｉｎｄｉｖｉｄｕａｌ               ｃｏｓｔｓ               ｄｏｗｎ               ｔｏ               ｌｅｖｅｌｓ               ｃｏｎｓｉｄｅｒａｂｌｙ               ｂｅｌｏｗ               ｔｈｅ               ｍａｒｋｅｔ               ｐｒｉｃｅ. Ｆｏｒ               ｅｘａｍｐｌｅ,               ｔｈｅ               2010               ｍｏｎｔｈｌｙ               ｐｒｅｍｉｕｍ               ｕｎｄｅｒ               Ｂｌｕｅ               Ｃｒｏｓｓ/Ｂｌｕｅ               Ｓｈｉｅｌｄ               ｆｅｅ-ｆｏｒ               ｓｅｒｖｉｃｅ               ｐｌａｎ               ｆｏｒ               ａ               ｓｔａｎｄａｒｄ               ｆａｍｉｌｙ               ｈａｓ               ａ               ｐｒｅｍｉｕｍ               ｃｏｓｔ               ｏｆ               $1,215.72. Ｔｈｅ               Ｇｏｖｅｒｎｍｅｎｔ               ｐａｙｓ               $814.75               ｏｆ               ｔｈｅ               ｃｏｓｔｓ. Ｔｈｅ               ｃｏｓｔ               ｔｏ               ｔｈｅ               ｇｏｖｅｒｎｍｅｎｔ               ｅｍｐｌｏｙｅｅ               ｉｓ               $396.29. Ｔｈｅ               2010               ｍｏｎｔｈｌｙ               ｐｒｅｍｉｕｍｓ               ｆｏｒ               ａ               ｆａｍｉｌｙ               ｐａｒｔｉｃｉｐａｔｉｎｇ               ｉｎ               ａ               ＨＭＯ               ｕｎｄｅｒ               ｔｈｅ               ｓｙｓｔｅｍ               ｉｎ               Ｖｉｒｇｉｎｉａ               ｉｓ               $1,117.00. Ｔｈｅ               Ｇｏｖｅｒｎｍｅｎｔ               ｐａｙｓ               $814.75. Ｔｈｅ               ｐａｒｔｉｃｉｐａｎｔ               ｐａｙｓ               $302.25.                Ｆｕｒｔｈｅｒ,               ｔｈｅ               ｇｏｖｅｒｎｍｅｎｔ               ｃａｐｓ               ｔｈｅ               ｍｏｎｔｈｌｙ               ｃｏｎｔｒｉｂｕｔｉｏｎｓ               ａｔ               $363.16               ｆｏｒ               ｓｅｌｆ-ｏｎｌｙ               ｃｏｖｅｒａｇｅ               ａｎｄ               $814.75               ｆｏｒ               ｓｅｌｆ-ａｎｄ-ｆａｍｉｌｙ               ｃｏｖｅｒａｇｅ. Ｔｈｅ               ｐｒｅｍｉｕｍｓ               ｆｏｒ               ＦＥＨＢＰ               ｐｌａｎｓ               ａｒｅ               ｅｘｐｅｒｉｅｎｃｅ               ｒａｔｅｄ,               ｗｈｉｃｈ               ｍｅａｎｓ               ｔｈａｔ               ｐｒｅｍｉｕｍｓ               ａｒｅ               ｂａｓｅｄ               ｏｎ               ｔｈｅ               ｍｏｓｔ               ｒｅｃｅｎｔ               ｅｘｐｅｒｉｅｎｃｅ               ｗｉｔｈ               ｔｈｅ               ｃｏｓｔ               ｏｆ               ｐｒｏｖｉｄｉｎｇ               ｃｏｖｅｒａｇｅ               ｔｏ               ｐｌａｎ               ｅｎｒｏｌｌｅｅｓ. Ｔｈｅｓｅ               ｐｒｅｍｉｕｍｓ               ａｒｅ               ｎｅｇｏｔｉａｔｅｄ               ａｎｎｕａｌｌｙ.                Ｉｎ               ａｄｄｉｔｉｏｎ,               ｐａｒｔｉｃｉｐａｎｔｓ               ｃａｎ               ｃａｒｒｙ               ｏｖｅｒ               ｔｈｅｉｒ               ｃｏｖｅｒａｇｅ               ａｆｔｅｒ               ｌｅａｖｉｎｇ               ｔｈｅ               ｇｏｖｅｒｎｍｅｎｔ               ｐｒｏｖｉｄｉｎｇ,               ｉｎ               ｅｓｓｅｎｃｅ,               ｌｉｆｅ               ｌｏｎｇ               ｇｏｖｅｒｎｍｅｎｔ               ｒｕｎ               ｃｏｖｅｒａｇｅ. Ｏｆ               ｃｏｕｒｓｅ,               ｔｈｉｓ               ｃｏｖｅｒａｇｅ               ｗｉｌｌ               ｓｕｐｐｌｅｍｅｎｔ               ｔｈｅｉｒ               Ｍｅｄｉｃａｒｅ               ｗｈｅｎ               ｔｈｅｙ               ｒｅａｃｈ               65. Ｂｙ-ｔｈｅ-ｗａｙ,               ｓｕｐｐｌｅｍｅｎｔａｌ               ｖｉｓｉｏｎ               ａｎｄ               ｄｅｎｔａｌ               ｉｓ               ａｌｓｏ               ｏｆｆｅｒｅｄ               ｕｎｄｅｒ               ｔｈｅ               Ｆｅｄｅｒａｌ               Ｅｍｐｌｏｙｅｅｓ               Ｄｅｎｔａｌ               ａｎｄ               Ｖｉｓｉｏｎ               Ｉｎｓｕｒａｎｃｅ               Ｐｒｏｇｒａｍ               (ＦＥＤＶＩＰ). Ｗｈｉｌｅ               ｔｈｅ               ｇｏｖｅｒｎｍｅｎｔ               ｄｏｅｓ               ｎｏｔ               ｃｏｎｔｒｉｂｕｔｅ               ｔｏ               ｔｈｅ               ｄｅｎｔａｌ               ａｎｄ               ｖｉｓｉｏｎ               ｐｒｏｇｒａｍ,               ｃｏｍｐｅｔｉｔｉｏｎ               ｆｏｒ               ｐａｒｔｉｃｉｐａｔｉｎｇ               ａｌｌｏｗｓ               ｆｏｒ               ｌｏｗ               ｃｏｓｔ               ｐｒｅｍｉｕｍｓ.                Ｅｓｓｅｎｔｉａｌｌｙ               ｃｏｎｓｅｒｖａｔｉｖｅｓ               ａｒｅ               ａｒｇｕｉｎｇ               ａｇａｉｎｓｔ               ｐｒｏｖｉｄｉｎｇ               ｔｈｅ               ｓａｍｅ               ｃｏｍｐｅｔｉｔｉｖｅ               ｈｅａｌｔｈ               ｃａｒｅ               ｔｏ               ｏｔｈｅｒｓ               ｔｈａｔ               ｔｈｅｙ               ｔｈｅｍｓｅｌｖｅｓ               ｈａｖｅ. Ｔｈｅ               ｈｅａｌｔｈ               ｉｎｓｕｒａｎｃｅ               ｅｘｃｈａｎｇｅ               ｓｙｓｔｅｍ               ｔｈａｔ               ｃｏｎｓｅｒｖａｔｉｖｅｓ               ｏｐｐｏｓｅ               ｉｓ               ｍｏｄｅｌｅｄ               ｏｎ               ｔｈｅ               ＦＥＨＢＯ               ｓｙｓｔｅｍ. Ｔｈｕｓ               ｗｈｅｎ               ｍｅｍｂｅｒｓ               ｏｆ               Ｃｏｎｇｒｅｓｓ               ａｎｄ               Ｐｒｅｓｉｄｅｎｔ               Ｏｂａｍａ               ｓａｙ               ｔｈａｔ               ｒｅｆｏｒｍ               ｗｉｌｌ               ｇｅｔ               ｐｅｏｐｌｅ               ｃｌｏｓｅｒ               ｔｏ               ｗｈａｔ               Ｃｏｎｇｒｅｓｓ               ａｎｄ               ｆｅｄｅｒａｌ               ｅｍｐｌｏｙｅｅｓ               ｈａｖｅ,               ｔｈｅｙ               ａｒｅ               ｒｅｆｅｒｒｉｎｇ               ｔｏ               ｔｈｅ               ｎｕｍｂｅｒ               ｏｆ               ｃｈｏｉｃｅｓ               ａｖａｉｌａｂｌｅ               ｔｈｒｏｕｇｈ               ｔｈｅ               ＦＥＨＢＰ.                Ａｌｌｏｗｉｎｇ               ｔｈｅ               ａｖｅｒａｇｅ               Ｊｏ(ｅ)               ｔｏ               ｐａｒｔｉｃｉｐａｔｅ               ｉｎ               ａ               ｈｅａｌｔｈ               ｉｎｓｕｒａｎｃｅ               ｅｘｃｈａｎｇｅ,               ａｌｌｏｗｓ               ｆｏｒ               ｂｏｔｈ               ｃｈｏｉｃｅ               ａｎｄ               ｒｅｇｕｌａｔｅｄ               ｃｏｍｐｅｔｉｔｉｏｎ. Ｈｏｗｅｖｅｒ,               ａｎｙ               ｎｅｗ               ｅｘｃｈａｎｇｅ               ｗｏｕｌｄ               ｂｅ               ｓｅｐａｒａｔｅ               ｆｒｏｍ               ｔｈｅ               ＦＥＨＢＰ. Ｆｕｒｔｈｅｒ               ｆｅｄｅｒａｌ               ｅｍｐｌｏｙｅｅｓ               ｃｏｕｌｄ               ｎｏｔ               ｐａｒｔｉｃｉｐａｔｅ               ｉｎ               ｔｈｅ               ｃｉｖｉｌｉａｎ               ｖｅｒｓｉｏｎ.                Ｔｈｅ               ｓｏ               ｃａｌｌｅｄ               "ｐｕｂｌｉｃ               ｐｌａｎ,"               ｉｓ               ｓｉｍｐｌｙ               ｓｏｍｅ               ｆｏｒｍ               ｏｆ               ｔｈｅ               ｅｘｃｈａｎｇｅ. Ｈｏｗｅｖｅｒ,               ｉｆ               ａｐｐｒｏｖｅｄ,               ｉｔ               ｗｏｕｌｄ               ｎｏｔ               ｂｅ               ａｖａｉｌａｂｌｅ               ｔｏ               ｍｏｓｔ               Ａｍｅｒｉｃａｎｓ               ｗｈｏ               ａｒｅ               ｃｏｖｅｒｅｄ               ｂｙ               ｅｍｐｌｏｙｅｒ-ｓｐｏｎｓｏｒｅｄ               ｈｅａｌｔｈ               ｉｎｓｕｒａｎｃｅ. Ｎｏｎｅｔｈｅｌｅｓｓ,               ｓｏｍｅ               ｃｏｎｓｅｒｖａｔｉｖｅｓ               ａｒｅ               ｏｆｆｅｒｉｎｇ               ａｍｅｎｄｍｅｎｔｓ               ｔｏ               ａｌｌｏｗ               Ｃｏｎｇｒｅｓｓ               ａｎｄ               ｔｈｅｉｒ               ｓｔａｆｆｓ               ｔｏ               ｐａｒｔｉｃｉｐａｔｅ               ｉｎ               ｔｈｅ               ｐｕｂｌｉｃ               ｏｐｔｉｏｎ               ｉｆ               ｏｎｅ               ｉｓ               ｃｒｅａｔｅｄ. Ｔｈｉｓ,               ｏｆ               ｃｏｕｒｓｅ,               ｗｏｕｌｄ               ａｌｌｏｗ               ｔｈｅ               ｌｅｇｉｓｌａｔｏｒｓ               ａｎｄ               ｔｈｅｉｒ               ｓｔａｆｆｓ               ｔｏ               ｓｅｌｅｃｔ               ｔｈｅ               ｌｏｗｅｓｔ               ｃｏｓｔ,               ｈｉｇｈｅｓｔ               ｓｅｒｖｉｃｅ               ｏｐｔｉｏｎ               ａｖａｉｌａｂｌｅ               ｔｏ               ｔｈｅｍ. Ｅｓｓｅｎｔｉａｌｌｙ,               ｔｈｅｙ               ａｒｅ               ａｓｋｉｎｇ               ｔｏ               ｄｏ,               ｗｈａｔ               ｔｈｅｙ               ａｒｇｕｅ               ａｇａｉｎｓｔ;               ａｌｌｏｗ               ａ               ｃｈｏｉｃｅ               ｂｅｔｗｅｅｎ               ｇｏｖｅｒｎｍｅｎｔ               ｃｏｎｔｒｏｌｌｅｄ               ｐｌａｎｓ.                Ｉｎ               ｔｈｅ               ｆｉｎａｌ               ａｎａｌｙｓｉｓ,               Ｅｎｓｉｇｎ               ａｎｄ               ｈｉｓ               Ｒｅｐｕｂｌｉｃａｎ               ｃｏｌｌｅａｇｕｅｓ               ｄｏ               ｎｏｔ               ｗａｎｔ               ｔｏ               ｐｒｏｖｉｄｅ               ｔｈｅ               ｓａｍｅ               ｈｅａｌｔｈ               ｃａｒｅ               ｐｒｏｔｅｃｔｉｏｎ               ｔｈｅｙ               ｔｈｅｍｓｅｌｖｅｓ               ｈａｖｅ. Ｔｈａｔ,               ｏｆ               ｃｏｕｒｓｅ,ｉｓ               ｈｙｐｏｃｒｉｓｙ.                Ｆｏｒ               ｆｕｒｔｈｅｒ               ｉｎｆｏｒｍａｔｉｏｎ               ｓｅｅ:                Ａｍｅｒｉｃａ'ｓ               Ｈｅａｌｔｈ               Ｆｕｔｕｒｅ               Ａｃｔ               ｏｆ               2009                Ｅｎｓｉｇｎ               Ｒｅｊｅｃｔｓ               Ｄｅｍｏｃｒａｔ               Ｈｅａｌｔｈｃａｒｅ               Ｂｉｌｌ               Ｉｎ               Ｌａｎｄｍａｒｋ               Ｖｏｔｅ.                Ｆｅｄｅｒａｌ               Ｅｍｐｌｏｙｅｅｓ               Ｈｅａｌｔｈ               Ｂｅｎｅｆｉｔｓ               Ｐｒｏｇｒａｍ               (ＦＥＨＢＰ)

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1. A Conversation with a Representative of United Health Care

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United Health Care Claims - Blog Homepage Results

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