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Classic headline at The Obama 527 Formerly Known As Daily Kos

These are the facts, speaking out is not disloyal

And a great post from nyceve.

Unfortunately, loyalty to the Ds, and to Obama, really is incompatible with making health care a right for all citizens. Too bad, but the HCR debate couldn't have shown that more clearly.

NOTE What prompted nyceve's post:

This morning the New York Times is reporting in an article entitled Insurers Push Plans Limiting Patient Choice of Doctors, that insurers are going to offer cheaper plans which will dramatically reduce our ability to see the doctor or use the hospital of our choosing.

Most of us who are privileged to still be insured already cope with restricted choice from being enrolled in a PPO (Preferred Provider Organization), with huge deductibles and out-of-pocket costs if we go outside the network of physicians and hospitals. I gather from reading the Times, that in an effort to control costs, we are facing even more punishing restrictions.

So, how much worse is your insurance going to get?  Apparently a lot worse.

This is not what Obama promised or campaigned on. Remember, "if you like your doctor, you can keep your doctor"?  Well what he didn't say, sure you can keep your doctor, if you can pay for your doctor.

I can understand why nyceve might feel betrayed. It's because she was betrayed.

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TheMomCat's picture
Submitted by TheMomCat on

Great diary, just don't read the comments.

a little night musing's picture
Submitted by a little night ... on

See my previous entry on my Mom's dilemma. I don't even know my current PCP: I know a lot of M.D.'s socially, and I've asked them to look over the list and see if they know any of the candidates. Never, no, not one. Also, none of them appears in any of the online physician ratings. Hmm... So, since I have to pick a PCP, I end up essentially choosing at random.

A little OT - but here's what has happened to the health insurance coverage for CUNY staff and fulltime faculty over the period since health care insurance reform overhaul passed:

• January 2010: we are informed that the GHI-CBP (CBP = comprehensive benefits program) will be changed into a PPO (preferred provider organization). According to HR, this means:

Although you will have access to both in-network and
out-of-network hospitals and out-patient facilities, your costs can be
kept significantly lower by going to in-network hospitals and
out-patient facilities. Use of out-of-network hospitals and out-patient
facilities can result in higher out-of-pocket costs when you take into
account the higher deductible, coinsurance payments, and other related
fees.

• July 2010: we are informed of fee changes in the health insurance plans. The basic charges for most plans will increase this month by percentages ranging from 3-91% depending on the plan. Most of the increase is in the basic charge, not in the prescription drug coverage (which is itemized separately in the list we have been given). The smaller increases are almost all in HMO plans: most plans prices will increase around 20-25%, and the biggest increase is in HIP POS (91%). The Aetna HMO price is increasing by 25% for an individual or 31% for a family. [I typed all the numbers into a spreadsheet and computed these percentages myself: they were not given in the document that was distributed from HR.]

Note that these are the changes in the employee contribution; I don't know how the fees that the employer (NYC) is paying have changed.

Now, our health benefits are from the plans which are negotiated for all unionized employees of the City of New York, which includes teachers, police, fire department, health and hospitals, CUNY,... a HUGE bargaining unit, is my point. And this is the best we can do.

Parenthetically, another way the insurers screw us: when I was a grad student, the university had available a single parent option to the student health insurance, and it was only a bit more than the basic student insurance, whereas the family rate was more than double. That is no doubt because the expected outlays for health care for the second adult are more than expected for children. But I have NEVER seen a single parent option except for student health insurance. I asked my union rep about this once, and she said that the insurers refuse to offer it. So single parents end up paying for another adult, or else not getting insurance for their kids (which is what I ended up doing, since I couldn't afford the extra).