| SCHWARZENEGGER'S PIECEMEAL PLAN |
SENATOR KUEHL'S COMPREHENSIVE PLAN (SB 810)
|
| Health insurance is REQUIRED. Everyone has to buy it from
private firms. |
Private health insurance firms ELIMINATED except for
experimental treatments for extreme wealthy |
| Health insurance is NOT universal because not everyone will
comply. Auto insurance is mandated but 25% of drivers in California are
uninsured. |
Everyone is AUTOMATICALLY covered by a single insurance plan. |
| Partial coverage offered--no dental, eye care, mental healthcare,
home. Strong financial incentives created to offer "junk insurance" |
Coverage is comprehensive, including medical, dental, eye
care, mental health, home health, dialysis, therapy, substance abuse, elderly
daycare, hospice care and more. |
| Insurance companies decide how much it will cost every year.
Rates subject to whatever insurance companies can get away with that year.
Rates unpredictable. |
State board would set global health budget. Rates predictable
and reliable |
| Insurance companies decide how much to charge
above REQUIRED MINIMUMS for deductibles ($5,000) and co-pays ($7,500). |
No deductibles, co-pays, or exclusions for pre-existing
conditions. |
| Doctors and hospitals pay a percentage of their
revenue to subsidize the uninsured. |
Doctors, hospitals and other healthcare providers
are fairly compensated for all of their services and are not required to
pay into the system. |
| Insurance companies must cover everyone, but will 'red-line'
districts and determine their own rates based on gender, age, and region. |
Costs to individuals and families DECREASE over current premiums. |
| Businesses with more than 10 employees must pay only 4% of
payroll for health insurance, but those who currently provide coverage pay
more than 8%. |
Costs to employers DECREASE over current premiums. |
| Businesses with less than 10 employees (80% of businesses
in California) don't have to pay anything-coverage is up to individuals. |
|
| People with incomes up to 250% of the poverty level ($50,000
for a family of four) get subsidies but will spend up to 6% of income on
mandated insurance. |
|
| The Federal government must increase subsidies for medical
care. No guarantee this will happen. |
Costs to California DECREASE. |
| Money now paid to hospitals to care for the indigent will
now go to insurance companies to cover the indigent, so at least 15% will
be lost to overhead. |
hospitals and other healthcare providers are fairly compensated
for all of their services and are not required to pay into the system. |
| Insurance companies' medical loss ratio(money spent
on actual healthcare instead of profits and stock bonuses) is capped
at 85%, but the premiums they may charge are unlimited. |
ALL money collected for healthcare will be spent on
healthcare. |
| Insurance companies DICTATE which doctors and hospitals patients
may use. |
Patients may CHOOSE any doctor, hospital, or healthcare provider
they wish. |
| No controls on the cost of care. No controls on the cost of
insurance premiums. |
Global state healthcare budget to control ALL healthcare costs |
| No requirement for electronic record-keeping. |
Secure electronic health records available to all licensed
providers. |
| No budget for seismic retrofitting of hospitals. |
Budget for seismic retrofitting of hospitals. |
| No incentive or regulations to stop fraud |
An Inspector General to prevent fraud. |
| No negoatiated rates for drugs and durable medical equipment.
Californians will continue to pay 30-50% more than the Europeans. |
Negotiated rates for drugs & durable medical equipment
saving billions. |
