You seem to think the basic "tier" would be very spartan... I don't see why it would be much different than your current average health insurance policy.
I see. I was thinking that the bottom tier would be something like Blue Cross Basic. The next tier would be like Blue Cross Standard, and the third would pay all the deductibles and copays. If you wanted to fly to the Cleveland Clinic, what you call "gold plated," you'd pay for it yourself. <g>
Since either Blue Cross, Medicare and the like only pay for about three quarters of the bills, I was assuming that the top tier, if there were tiers in the single payer's plans, would be to pay that last 25% but the services covered would be the same.
It looks like your scheme has two tiers, one for Blue Cross Standard and one Gold Plated. I think that, if that were the case, there would be those crying for my third tier as an option. My experience is that a few days in the hospital will leave you owing four figures with either Blue Cross, which I've had for years, or Medicare plus a supplement, which my father had. So if your single-payer plan is not full freight, no deductibles or co-pays, you'll still have demand for private insurance.
I'm not familiar with how Aflac pays. I've never known anyone who used it. I'm curious about the features you suggested. I'll look into it. |
