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Old 09-06-2009, 01:19 PM
 
Location: State of Being
35,885 posts, read 67,141,087 times
Reputation: 22373

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I am hearing all sorts of misinformation about a "public option" in the discussion on healthcare reform.

What do you define as a "public option?" I want to know what folks actually think that public option represents.

I have heard some people refer to it as "free healthcare."

I have heard others say it would mean a type of insurance issued by the government which would have low cost premiums.

I have heard others say it would mean that any of us could participate in the Medicaid program, if our employer didn't provide insurance, and would have a low monthly premium cost.

So what are you all thinking this means: "public option?"
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Old 09-06-2009, 01:22 PM
 
Location: Southcentral Kansas
44,924 posts, read 28,206,370 times
Reputation: 4269
Quote:
Originally Posted by anifani821 View Post
I am hearing all sorts of misinformation about a "public option" in the discussion on healthcare reform.

What do you define as a "public option?" I want to know what folks actually think that public option represents.

I have heard some people refer to it as "free healthcare."

I have heard others say it would mean a type of insurance issued by the government which would have low cost premiums.

I have heard others say it would mean that any of us could participate in the Medicaid program, if our employer didn't provide insurance, and would have a low monthly premium cost.

So what are you all thinking this means: "public option?"
Now stop asking all those hard questions.
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Old 09-06-2009, 01:26 PM
 
Location: Northern Virginia
1,419 posts, read 3,018,313 times
Reputation: 434
I believe it's a government insurance plan designed to compete with private insurance companies, which you can buy into whether you have access to employer-sponsored health plans or not.
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Old 09-06-2009, 01:30 PM
 
Location: North Side of Indy, IN
1,965 posts, read 2,424,321 times
Reputation: 655
Quote:
Originally Posted by anifani821 View Post
I have heard others say it would mean a type of insurance issued by the government which would have low cost premiums.
That one. Although, as far as I know, actual potential premiums have not been determined yet. The public option is an alternative insurance option, funded by the government, which a person can choose if s/he cannot afford private insurance, if s/he does not have access to private insurance through work, or if s/he doesn't want to purchase a private insurance plan, but would like to be covered.

The public option is not the same as Medicaid. Medicaid is a government-funded insurance option for people who earn less than the poverty threshhold.
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Old 09-06-2009, 01:36 PM
 
31,385 posts, read 32,081,824 times
Reputation: 14896
Quote:
Originally Posted by roysoldboy View Post
Now stop asking all those hard questions.
Nothing "hard" about them.

The concept of a public option is rather simple. The Federal government establishes what in effect is a public health insurance company. The insurance provided by the government would be open to any citizens with premiums predicted, by the Congressional Budge Office, to be somewhere near 10% less than a similar plan through a private insurer. The stated goal of the public option is to provide less expensive insurance to the public while at the same time interjecting greater competition amongst insurers.
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Old 09-06-2009, 01:41 PM
 
Location: Southcentral Kansas
44,924 posts, read 28,206,370 times
Reputation: 4269
Quote:
Originally Posted by ovcatto View Post
Nothing "hard" about them.

The concept of a public option is rather simple. The Federal government establishes what in effect is a public health insurance company. The insurance provided by the government would be open to any citizens with premiums predicted, by the Congressional Budge Office, to be somewhere near 10% less than a similar plan through a private insurer. The stated goal of the public option is to provide less expensive insurance to the public while at the same time interjecting greater competition amongst insurers.
I have tried and tried to understand how those horrible companies manage to COMPETE on a level footing when the government program can always fall back on tax money to make up losses. I just can't see how there will be any competition when the government is aiming to give less expensive policies to people than the privates can afford.

I still say that this is the first step to single payer which they just don't have the votes for yet. Oh, yeah old Barney said that much in an interview with a single payer backer. Barney says he is more in favor of that then anybody but they just don't have the votes and this is a great first step toward it.
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Old 09-06-2009, 06:07 PM
Status: "Summer!" (set 15 days ago)
 
Location: Foot of the Rockies
86,985 posts, read 102,540,351 times
Reputation: 33045
Quote:
Originally Posted by anifani821 View Post
I am hearing all sorts of misinformation about a "public option" in the discussion on healthcare reform.

What do you define as a "public option?" I want to know what folks actually think that public option represents.

I have heard some people refer to it as "free healthcare."

I have heard others say it would mean a type of insurance issued by the government which would have low cost premiums.

I have heard others say it would mean that any of us could participate in the Medicaid program, if our employer didn't provide insurance, and would have a low monthly premium cost.

So what are you all thinking this means: "public option?"
I haven't read the rest of the thread yet, but I'll say I have had these discussions with my daughter. What IS a "public option"? I think of the 3 optons you stated, #2 is my best assumption of what that means.
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Old 09-06-2009, 06:08 PM
Status: "Summer!" (set 15 days ago)
 
Location: Foot of the Rockies
86,985 posts, read 102,540,351 times
Reputation: 33045
Quote:
Originally Posted by roysoldboy View Post
I have tried and tried to understand how those horrible companies manage to COMPETE on a level footing when the government program can always fall back on tax money to make up losses. I just can't see how there will be any competition when the government is aiming to give less expensive policies to people than the privates can afford.

I still say that this is the first step to single payer which they just don't have the votes for yet. Oh, yeah old Barney said that much in an interview with a single payer backer. Barney says he is more in favor of that then anybody but they just don't have the votes and this is a great first step toward it.
I have no love lost for the insurance companies, either personally or professionally, my friend.
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Old 09-06-2009, 06:36 PM
 
31,385 posts, read 32,081,824 times
Reputation: 14896
Quote:
Originally Posted by roysoldboy View Post
I just can't see how there will be any competition when the government is aiming to give less expensive policies to people than the privates can afford.
You assume that the market is competitive now.

http://www.ama-assn.org/ama1/pub/upl...tudy_52006.pdf

http://www.nytimes.com/2006/04/30/us/30insure.html

Quote:
I still say that this is the first step to single payer which they just don't have the votes for yet.
That certainly is the perspective of some folks, so what, if people come to believe that single payer is the a better system, that is their right, just as conversely they come to believe that the private sector can provide better service and reject it. See Fedex, UPS vs the USPS.
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Old 09-06-2009, 06:45 PM
 
Location: Chicago, IL
8,998 posts, read 13,100,617 times
Reputation: 3536
An insurance exchange that federal employees are allowed access to would be opened up to the average American. People would be able to choose what plan works for them and their family.
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