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1-paragraph health care overhaul (modified Coulter plan)
Ann Coulter ^ | 3/20/2010 | Ann Coulter

Posted on 03/20/2010 3:12:54 PM PDT by Notwithstanding

Federal law and state law shall not inhibit health insurance companies from offering coverage in as few or as many states as the company chooses. The exclusive regulator of any health insurance company shall be the state where the company's home office is. As such, the federal government shall not regulate health insurance products or services beyond the general regulations and laws that apply to all other companies and that are not specific to the health insurance industry. Every health care provider shall advertise the rate for all its services on the internet, and shall always charge its advertised rate for these services. All payers shall pay the advertised rate for all services except that a patient may be charged a lesser amount for services that are never submitted to an insurer for payment or reimbursement; insurers and health care providers may offer a patient an incentive to avoid submitting such a claim to an insurer for payment or reimbursement.


TOPICS: News/Current Events
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1 posted on 03/20/2010 3:12:54 PM PDT by Notwithstanding
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To: Notwithstanding

LOL, nailed it, Ann. Negative rights, limited government... it ain’t just a river in Egypt.


2 posted on 03/20/2010 3:20:08 PM PDT by Talisker (When you find a turtle on top of a fence post, you can be damn sure it didn't get there on it's own.)
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To: Notwithstanding

Sounds good to me-IMHO, if the gubmint got out of the industry regulation, costs would plummet. We didn’t have the problems prior to the Medicare act of ‘64 and that began Fed involvement, and it’s continued to worsen.


3 posted on 03/20/2010 3:21:37 PM PDT by izzatzo
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To: Notwithstanding
Well, government forces banks to offer mortgages where they don't want to then they should also be able to mandate health insurance companies provide a policy pre-existing conditions notwithstanding.

I don't think this would be too onerous provided the companies are free to set the premium accordingly.

4 posted on 03/20/2010 3:30:14 PM PDT by skeeter
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To: Notwithstanding

HOORAY Ann!


5 posted on 03/20/2010 3:42:30 PM PDT by PGalt
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To: skeeter
I don't think this would be too onerous provided the companies are free to set the premium accordingly.

In order for it to be something other than welfare, the premiums would have to be higher than the total ongoing cost of the pre-existing condition, and what's the point of that?

6 posted on 03/20/2010 3:47:01 PM PDT by mvpel (Michael Pelletier)
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To: Notwithstanding

Perfect


7 posted on 03/20/2010 3:48:32 PM PDT by mnehring
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To: mnehring

NOT perfect. Remove the “state law” part in the beginning. States should have the right to limit if they want.


8 posted on 03/20/2010 3:58:27 PM PDT by bolobaby
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To: Notwithstanding

We could have all the lawyers on FR pick this law apart, but it’s really no more poorly written than most laws these days. It would certainly be a good start at real reform!


9 posted on 03/20/2010 4:02:10 PM PDT by mrreaganaut (Insert catchphrase here.)
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To: Notwithstanding

Works fine for me.

But then I am a mere voting taxpayer. My thoughts on the matter are not of consequence to our “representatives”.


10 posted on 03/20/2010 4:05:04 PM PDT by jazminerose
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To: mvpel
Because a condition is pre-existing doesn't necessarily mean its being treated. For example, Someone in my family has a genetic "disease" thats pretty innocuous, but may one day require some kind of treatment (on the other hand maybe not) but insurance companies refuse her coverage because of it.

If she cannot get coverage in the private sector she WILL have to depend upon some government program - 'welfare'.

I'm not sure exactly what can be done in this kind of situation but surely there is a free market solution available.

11 posted on 03/20/2010 4:46:18 PM PDT by skeeter
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To: bolobaby

Well, I agree. Thanks for pointing that out. Here you go:


Notwithstanding the provisions of this law:

- the exclusive regulator of any health insurance company shall be the state where the company’s home office is;

- the federal government shall not inhibit a health insurance company from offering coverage in as few or as many states as the company chooses;

- the federal government shall not regulate health insurance products or services beyond the general regulations and laws that apply to all other companies and that are not specific to the health insurance industry;

- in no event shall the federal government, or a payer acting on behalf of the federal government, pay a rate less than the lowest rate paid by any other non-government payer for a service.

Notwithstanding state law to the contrary:

- every health care provider shall advertise on the internet the rate for all services;

- all payers shall pay the advertised rate for all services except that a patient may be charged a lesser amount for services that are never submitted to an insurer for payment or reimbursement;

- insurers and health care providers may offer a patient an incentive to avoid submitting such a claim to an insurer for payment or reimbursement.


12 posted on 03/20/2010 5:53:08 PM PDT by Notwithstanding (Wer glaubt ist nie allein. Who believes is never alone.)
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