Blogs » A Constitutionalist & Believer in Natural Law » Questions on National Healthcare Insurance

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While we watch supporters and protestors of the HR 3200 bill, few individuals are asking the down to earth questions. The questions that will affect each insured:

We see, in a few current government sponsored healthcare insurance plans, an annual deductible. Will there be annual up front deductible before any benefits cut in? If so, how much will it be?

Currently physicians can refuse to accept government sponsored healthcare plans, and many do not accept government sponsored healthcare insurance. Will this right still be guaranteed under the “Public Option” Healthcare Insurance Plan?

Currently in many of the government sponsored healthcare insurance plans, it the physician accepts the billing assignment of the insurance, the physician is prohibited by law to collect from the patient the remaining balance.

Almost all current government sponsored healthcare insurance plans require co-payments for services, prescriptions, medical equipment and etc. Some of these plans have co-payments as high as 25%. What is the projected co-payment for the “Public Option” Healthcare Insurance Plan?

Current government sponsored healthcare insurance plans fail to cover the latest generation of prescription drugs, even when they have been proven to be more effective. Will this policy continue under the “Public Option” Healthcare Insurance Plan?

A limited supply of the 2009-2010 season H1N1 flu vaccine has caused the government to identify “ target audiences” and establish guidelines (rationing) on who should receive the vaccine first, until supplies run out. Will the government also use this same process to identify “target audiences” and establish guidelines on standard care treatment under the “Public Option” Healthcare Insurance Plan? http://www.flu.gov/vaccine/vacresearch.html#campaign

Many current government sponsored healthcare insurance plans have guidelines to determine if a patient is a candidate for a particular diagnostic test, procedure, surgery, and prescription drug. Will covered services, procedures; medical equipment and prescriptions apply to all regardless of age, overall health condition, or life style?

Some current government sponsored healthcare insurance plans restrict the care to a specific clinic and hospital, where the patient may seek treatment. Often this treatment is not local and requires over a hundred miles of travel. Under the “Public Option” Healthcare Insurance Plan will insured be covered at all clinics and hospitals?

Just because there maybe an option for a national public healthcare insurance, does not mean it is going to be cheap, easy to access, or without limits.