레이블이 United Health Care Claims Department인 게시물을 표시합니다. 모든 게시물 표시
레이블이 United Health Care Claims Department인 게시물을 표시합니다. 모든 게시물 표시

2013년 11월 24일 일요일

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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