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But physician networks are local HyogaRott Send a noteboard - 09/03/2017 04:25:33 PM

It is the economics of how insurance plans are constructed.
roughly:
Premium=medical cost0%)+business cost(15%)+profit(5%)

The medical cost is minimized versus medical benefits by contracting with specific physicians/med groups for services at below market cost (usually a percentage). The base market cost of services in Ohio is different than the base cost of services in Massachusetts just like the cost of an apartment in the 2 places is different. Insurance networks are constructed locally not because regulations prevent them from being national, but because they HAVE to be local especially for HMO/PPO type plans.

The solution you are really looking for is for MA to stop requiring all the extra BS that people in the market may not want. Insurance is a contract between you and a company to provide the services YOU want at a price THEY want. If the government would get out of the way everything is possible if enough people want it.

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Obama care repeal and replace Urza - 07/03/2017 12:33:18 AM 791 Views
The new House version looks fine..... Anonymous2000 - 07/03/2017 03:12:55 AM 547 Views
They do expand health saving accounts *NM* random thoughts - 07/03/2017 11:27:50 AM 265 Views
A few questions - I've been doing a lot of reading on it but it's a hugely complicated matter. Legolas - 07/03/2017 08:09:57 PM 561 Views
The "accross state lines" buzz is a farce. Do YOU want a PCP that is 800 miles away? *NM* HyogaRott - 07/03/2017 09:18:57 PM 304 Views
That isn't what it means at all. LiterateDog - 08/03/2017 03:21:27 AM 551 Views
But physician networks are local HyogaRott - 09/03/2017 04:25:33 PM 546 Views
Of course they are. LiterateDog - 09/03/2017 04:52:31 PM 455 Views
And your insurance premium would be WAY higher than it currently is with a native MA company. HyogaRott - 10/03/2017 02:21:21 PM 490 Views
The risk can be spread across networks, as it is today. Sareitha Sedai - 10/03/2017 02:33:38 PM 556 Views
It only looks that way from the outside. HyogaRott - 10/03/2017 04:24:25 PM 510 Views
We could have benefited from reviews by Romneycares victims before taking it national Joel - 14/03/2017 02:17:28 PM 605 Views
One breakdown nossy - 07/03/2017 10:25:12 AM 648 Views
My head is going to blow up from reading all this news nossy - 07/03/2017 09:16:22 PM 686 Views
From the little I understand... Legolas - 07/03/2017 10:13:01 PM 563 Views
They can make it work and will just rasie rates random thoughts - 08/03/2017 03:52:50 PM 501 Views
That's the point though, isn't it? nossy - 08/03/2017 04:35:56 PM 528 Views
but it was the young that made it work and they are already opting out random thoughts - 10/03/2017 02:56:50 PM 473 Views
it wasn't a bone HyogaRott - 10/03/2017 02:30:00 PM 595 Views
The problem withthat argument is it ignore human nature random thoughts - 10/03/2017 03:18:06 PM 566 Views
I'm not ignoring it, I am illustrating it. HyogaRott - 10/03/2017 04:39:45 PM 505 Views
When you cut cancer out of a body, you don't replace it with something else... HyogaRott - 07/03/2017 11:34:31 AM 560 Views
You know what I would propose? Tom - 08/03/2017 03:06:27 PM 570 Views
decoupling health insurance from employment eliminates an existing subsidy damookster - 08/03/2017 03:25:27 PM 509 Views
So what? Tom - 08/03/2017 03:53:29 PM 516 Views
I wasn't raising it as a show-stopper, because obviously it isn't one. damookster - 08/03/2017 04:17:47 PM 539 Views
As a self-employed individual, I have little sympathy for extending employer-based care Tom - 09/03/2017 03:41:59 AM 521 Views
And it has caused the wage level to stagnate since then. Sareitha Sedai - 10/03/2017 02:35:12 PM 536 Views
It is was of the many broken parts of our health care system random thoughts - 10/03/2017 03:20:19 PM 525 Views
Looks good to me random thoughts - 08/03/2017 03:58:48 PM 517 Views
This would solve a lot of the problems with cost and access. Sareitha Sedai - 08/03/2017 04:11:15 PM 559 Views
Interesting. Wasn't expecting that, though it looks good to me. *NM* Legolas - 08/03/2017 07:17:01 PM 236 Views
Some serious problems HyogaRott - 09/03/2017 04:49:35 PM 564 Views
How do we elect you Tom? This is really good stuff. *NM* Urza - 09/03/2017 05:25:56 PM 310 Views
Looks like Republicans have TWICE the votes they need to kill it (in either chamber) Joel - 14/03/2017 01:50:35 PM 1295 Views
As to healthcare itself, how are there no good options? Joel - 14/03/2017 01:59:17 PM 521 Views
I'm glad you asked... Urza - 14/03/2017 02:36:40 PM 538 Views
I have heard it said that "the perfect is the enemy of the good" Joel - 14/03/2017 03:03:34 PM 510 Views
the reason why Canadians with money seek treatment in the US is not bureaucracy damookster - 14/03/2017 04:00:09 PM 478 Views
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