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Another claim that's Pants on Fire! is the following: "Page 42: The 'Health Choices Commissioner' will decide health benefits for you. You will have no choice. None."
To explain this one, we will start with an explanation of the overall bill, which was unveiled July 14, 2009. The bill envisions that everyone will be required to have health insurance. People who get health insurance through work satisfy this requirement right off the bat.
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That statement is false. It is a lie. The Federal government will determine what coverage all plans will provide and They will have to change or you will have that coverage cancelled. If your plan doesn't pay for abortion, the plan will be ended.
So you will NOT be covered right off the bat. There will need to be changes. Mandates will have to be met.
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In the Senate Democrats' bill, individual policyholders can keep their coverage, but they will be penalized under the individual mandate as though they did not have any coverage at all. That would be the death-knell of individual policies, says the Heritage Foundation's Ed Haislmaier. Insurers, he says, "could exit the market entirely." (The Senate bill is similarly merciless when it comes to employer-based plans that don't conform with the rules for the planned government-run exchanges. In other words, the Senate bill, unless changed, will force your employer to change your coverage -- maybe just a little bit, but perhaps dramatically.
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http://www.washingtonexaminer.com/op...-51922707.html
CAHI estimates that there are 1,961 state-mandated benefits across the country. It's not just specific products and services that get mandated, but also whole categories of providers like chiropractors and psychologists. By one count, states have enacted about 500 laws mandating coverage for 25 different types of providers.
States also mandate new categories of eligibility that force small businesses to cover additional dependents. One popular measure is the "slacker mandate," which extends coverage to unmarried dependents under the age of 30.
Not all mandates are equally expensive. Drug rehab, for example, increases a plan's premiums by 9% on average, according to America's Health Insurance Plans (AHIP). Coverage for psychologists adds 12% to premiums. But in total, in some states mandates increase the cost of insurance from 10% to 20%, according to AHIP.
I have purchased employee health plans for employees for decades. Government employees just get what is provided in their handbook. Most do not understand every mandate and feature has a price.