The initiative, called the Charter Oak Health Plan, would be open to adults of all incomes and cost each participant about $250 a month in premiums.
The Charter Oak Health Plan would offer a full prescription drug package with copays ranging from $10 to $15. Enrollees with pre-existing medical conditions would not be restricted from coverage.
There would be no maximum annual benefits, but there would be a lifetime maximum of $1 million of coverage. Laboratory and X-ray services would require a 20 percent copay while copays for prenatal, postnatal and preventive care would be lower than regular office visits to encourage people to receive that care.
The plan also would discourage costly visits to emergency rooms by requiring customers to pay for a portion of the visit if it's a non-emergency situation.
Rell said her proposal is not a "big government program." Rather, it encourages insurance companies to offer The Charter Oak Health Plan as an affordable choice in their offering of health care plans to reach people who otherwise can't afford coverage.
Senate President Donald E. Williams Jr., D-Brooklyn, said he's pleased Rell offered the proposal, but said the state will have to spend more money on health care.
Long quote, I know. But there's a lot to talk about, here. The idea is that the state wouldn't actually pay for the plan, but promote it. Insurance companies (and subscribers) would pay for it. Apparently, insurance companies are interested in offering it.
If it works, and it's affordable (although $250/month might be a bit steep for some), it's definitely worth considering over more traditional universal health care schemes.
I'm very interested to see what people have to say.
"Rell Unveils Health Care Plan For Uninsured Adults." Associated Press 27 December, 2006.