Friday, February 17, 2012

Meet your health care overlords

They are called the United States Preventative Services Task Force. And once Obamacare gets rolling, they will be the sole decider in what tests get full coverage with no co-pay under Obamacare and which tests go unfunded by your insurance carrier. Government intrusion into insurance coverage for abortifacient drugs and procedures is just the beginning.

From The Wall Street Journal:
Under ObamaCare, a single committee-the United States Preventative Services Task Force-is empowered to evaluate preventive health services and decide which will be covered by health-insurance plans.

The task force already rates services with letter grades of "A" through "D" (or "I," if it has "insufficient evidence" to make a rating). But under ObamaCare, services rated "A" or "B"-such as colon cancer screening for adults aged 50-75-must be covered by health plans in full, without any co-pays. Many services that get "Cs" and "Ds"-such as screening for ovarian or testicular cancer-could get nixed from coverage entirely.

That's because mandating coverage for all the "A" and "B" services will be very costly. In 2000, the Congressional Budget Office estimated that the marginal cost of similar state insurance mandates was 5%-10% of total claims. Other estimates put the cost of mandates as high as 20% of premiums.

Health plans will inevitably choose to drop coverage for many services that don't get a passing grade from the task force and therefore aren't mandated. Insurance companies will need to conserve their premium money, which the government regulates, in order to spend it subsidizing those services that the task force requires them to cover in full.

When Obamacare was being debated, Pres. Obama promised that "If you like your health insurance plan, you can keep your health insurance plan." We now know that that was a lie. Before Obamacare, your insurance provider would offer you a range of coverages, some procedures with co-pay, some fully covered, and some not covered at all. The key is that you, the consumer, would decide what coverages you wanted. Now the government panel will choose for you, and there isn't a thing you can do about it.

That is the insidious nature of Obamacare. If tyranny is the government robbing its citizens of the freedom to make the most basic choices regarding their life, health, and well being, then this is it.
 

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