Open Enrollment, not Open Season
In my spare time--the time between deadlines--I entertain myself by proving, testing or challenging various conspiracy theories.
As healthcare open enrollment period approaches, I am faced with a myriad of costly choices, options and plans that I am not at all certain I can afford. My children and I need health insurance so while I cannot afford many of the choices I am presented with, in the end I am left with no choice.
Of course, that is not true.
There are state health care assistace programs, but more seductive right now is the elusive Public Health Insurance Option.
Naturally, when I got the notice from my small business employer that it is time to review health care options, I became curious.
What happens if I choose the $480 monthly option to cover myself and my three children and the Public Health Insurance Option is approved? Will I be locked in to insurance I cannot afford for the year? Can I switch plans mid-year? Will I disqualify myself by electing coverage through my employer?
After reviewing their website, I contacted the Agency for Healthcare Research and Quality.
I'm waiting for a call back.
Because I lack patience and because of their Public Health Insurance overview, I visited the Committe on Ways and Means website where I learned that 96% of Americans will (should) be covered by healthcare by 2015.
Granted, I'm electing health care for 2010.
Still, I called for clarification.
According to the representative, even if approved, Public Health Insurance will not be available or in effect until 2013. At that time, the Public Healthcare Insurance will have open enrollment periods similar to other insurance plans to avoid people getting locked out-- or in to other plans.
Ideally.
