Weekend Insurance Tip: Know the Health Insurance Reform Definitions

I have been a medical consultant for more than 30 years. I have read HR 3200. It is a bill that will benefit the insurance companies because ALL U.S. citizens will be required to pay for health insurance. We are already required to pay for auto insurance and homeowners’ insurance, and now the government will require that we pay for health insurance. A “public option” tacked-onto this Bill will be similar to the Kaiser Permanente Health Maintenance Organization that profits by “denying” health care to its members unless, of course, they are covered by Medicare. If you are employed by a small company they will pay the smaller fine rather than paying for your more costly health insurance policy. HR 3200 will discriminate against the elderly and the handicapped because they are not employed by companies which can afford comprehensive health insurance coverage for their employees (e.g. Blue Cross/Blue Shield, Aetna, Cigna, etc). Unless you have the more expensive health insurance coverage, your medical care will be denied based upon “no medical necessity”. “Medical necessity” is interpreted differently by each health insurance carrier.