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Thu Oct 12, 2017, 03:43 PM

Ok, so 45 wants more freedom to buy insurance across state line. Will the insured be required to

travel across state lines to receive treatment or care?

7 replies, 3099 views

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Reply Ok, so 45 wants more freedom to buy insurance across state line. Will the insured be required to (Original post)
coolsandy Oct 12 OP
MontanaMama Oct 12 #1
elfin Oct 12 #2
Vinca Oct 12 #3
Freethinker65 Oct 12 #4
BigmanPigman Oct 12 #5
mercuryblues Oct 12 #6
virgogal Oct 12 #7

Response to coolsandy (Original post)

Thu Oct 12, 2017, 03:50 PM

1. Not necessarily.

But it will mean that you may not have access to consumer protections, ie your state insurance commission if you should have problems with your policy. Let's face it, insurance is in the business of denying coverage and if that happens and you've bought insurance out of state, you're up the creek without a paddle. This is only ONE of the issues with this POS executive order.

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Response to coolsandy (Original post)

Thu Oct 12, 2017, 03:52 PM

2. I think there already was no impediment across state lines EXCEPT

if the insurance company had no network in that state. If they invested in a network of care, you could get a policy if you chose.

If that is what I remember, saying that you can now go across state lines is yet another lie.

Perhaps now the companies will hasten to build some kind of Potemkin Network in order to collect premiums and deductibles, but no real care?

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Response to coolsandy (Original post)

Thu Oct 12, 2017, 04:00 PM

3. Insurance companies are not all that keen on doing it.

They have contractual arrangements with providers and expanding it might not be what they're interested in. I think a few states already allow it and it's pretty much fizzled. I'm betting this ends up being an opportunity for scam artists to bilk the more dimwitted among us into buying insurance policies that don't cover anything. Trump Health Insurance Co. perhaps?

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Response to coolsandy (Original post)

Thu Oct 12, 2017, 04:03 PM

4. Policies will most likely be non-comprehensive and have high deductibles

They might be of some use to cover catastrophic costs, once the deductible is met, up to a lifetime cap. They will seem like an ok deal to currently healthy individuals that do not “plan” on ever getting sick enough to use their coverage.

Managed affordable care across state lines covering those with chronic conditions? I doubt many insurance companies want to devote time and resources to determining in and out of network criteria between states, including between urban and rural areas in the covered states.

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Response to coolsandy (Original post)

Thu Oct 12, 2017, 04:04 PM

5. Ali Velshi just explained it on MSNBC.

He is very smart and finances are his specialty. He said that the executive order hasn't been validated yet but this is what it intends to do...
Employers can buy group plans from anyplace, regulations won't exist so companies can decide what and how much is covered and you will no longer be forced to have insur. Basically, the insur will be almost like it was before the ACA. The insur companies will be running the show and they will get richer while everyone will have to make up for it by paying more.
An example was ...if you needed an ambulance and you find out your plan only covers $50 when the bill is $1,000 then you will have to pay $950 of it. And this will change and vary depending on whatever your insur company wants keeping in mind that they want more and more $ and who cares who goes bankrupt or dies. Healthy people will not have to pay into it and everyone will see their premiums, co pays and deductibles rise.

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Response to coolsandy (Original post)

Thu Oct 12, 2017, 04:45 PM

6. Good

I was missing all those jars at convenience stores to drop money in so someone could get their life saving medical treatment. Like dialysis, heart transplant, burn treatment, chemo. Yup sure was missing those..

In case someone misses it

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Response to coolsandy (Original post)

Thu Oct 12, 2017, 04:48 PM

7. No. Car insurance doesn't just cover the insurance company's state..

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