ION.
MARKIE: WE'RE NOW JOINED WITH
STATE REPRESENTATIVE MOORE, THE
BILL'S AUTHOR.
WHY IS THIS BILL NEEDED RIGHT
NOW?
>> THIS BILL IS IMPORTANT
BECAUSE THE LANDSCAPE ON HEALTH
INSURANCE IS IN A LITTLE BIT OF
DISARRAY.
THE COST OF INSURANCE HAS GONE
UP A LOT IN THE PAST THREE TO
FIVE YEARS.
ACTUALLY, EVERY YEAR, EVEN TWO
YEARS AGO, IF YOU HAD A 1% MONTH
INCREASE IN YOUR PREMIUM, YOU
WERE CONSIDERED TO BE FORTUNATE.
SO THAT WAS ABOUT 12% A YEAR.
THAT IS STILL A LOT TODAY WE'RE
SEEING INCREASES OF 30% TO 50%,
IN SOME STATES 112%, SO IT IS
OUT OF CONTROL IT WE WANT TO BE
ABLE TO BRING COMPETITION
BECAUSE WE BASICALLY ONLY HAVE
ONE CARRIER IN OKLAHOMA AT THIS
TIME.
MARKIE: AND TALKING ABOUT THE
OBAMACARE MARKETPLACE.
AND THERE IS CONCERN, WE ARE
HEARING FROM THE INSURANCE
COMMISSION, THAT THERE MAY THESE
ZERO IN SURE IS IN THAT IF NO
CHANGES ARE MADE.
IS THAT CORRECT?
>> THAT COULD BE THE CASE.
I DO NOT KNOW THAT LOU CROSS --
BLUE CROSS, THE BIGGEST CARRIER,
WOULD DO THAT.
IT WOULD BE PUTTING A LOT OF
PRESSURE ON THEM.
MARKIE: HOW MANY PEOPLE DOES
THIS AFFECT?
>> ONE MILLION PLUS FOLKS ARE SO
WHEN OKLAHOMA.
WE ARE TALKING ABOUT THE
INDIVIDUAL EXCHANGE FOLKS.
THAT IS IMPORTANT.
MARKIE: TO CLARIFY, WE ARE NOT
TALKING ABOUT THE PEOPLE WHO GET
THEIR INSURANCE THROUGH
EMPLOYERS.
IT IS SPECIFICALLY THE PEOPLE IN
THE EXCHANGE.
>> WE ALSO HAVE AN OPTION RIGHT
NOW THROUGH IN SURE OKLAHOMA,
AND 40% IS PAID BY THE
INDIVIDUAL AND 60 PERCENT IS
PAID FOR BY THE STATE OF
OKLAHOMA.
BUT THOSE ARE IN SMALL GROUP
PLANS, 50 OR LESS.
THAT INDIVIDUAL, YES.
MARKIE: BOTTOM LINE FOR THIS
PLAN, YOU IT'S A INSURERS FROM
OTHER STATES CAN SELL THE
PRODUCT?
>> YES.
MARKIE: THE THINKING IS IT WILL
BRING MORE COMPETITION AND DROP
COSTS?
>> ABSOLUTION -- ABSOLUTELY.
COMPETITION ALWAYS DRIVES THE
COST DOWN AND APPROVES THE
PRODUCT.
MARKIE: FROM THE NATIONAL
ASSOCIATION OF INSURANCE
COMMISSIONERS, THEY SAY IT IS A
MYTH THAT ALLOWING INDIVIDUALS
TO PURCHASE INSURANCE ACROSS
STATE LINES WILL GIVE THEM
ACCESS TO COVERAGE AT LOWER
PREMIUMS.
THEY SAY THAT IT REALLY CREATES
A RACE TO THE BOTTOM, IF YOU
WILL, WERE COMPANIES SHOP AROUND
FOR THE STATES THEY GIVE THEM
THE BEST OPTIONS.
>> I HAVE BEEN TO MEETINGS WITH
INSURANCE COMMISSIONERS AND THE
NATIONAL ASSOCIATION OF
INSURANCE LEGISLATORS, AND THAT
IS NOT WHAT IT LOOKS LIKE.
BUT THE RACE TO THE BOTTOM, AS
FAR AS COSTS, NOT NECESSARILY A
BAD THING.
MARKIE: IT IS BECAUSE, IN
THEORY, THEY ARE OFFERING FEWER
THINGS THEY ARE COVERING, RIGHT?
>> YES, THE MOST ANY OTHER STATE
OFFERS AS FAR AS MANDATES IS 70.
WE OFFER AROUND 40 WE'RE KIND OF
IN THE HIGH UPPER A PUP MIDDLE.
SOME OFFER FEWER.
THOSE ON AN INDIVIDUAL PLAN,
THEY CAN DECIDE THAT I DO NOT
NEED THESE TYPE OF COVERAGE IS.
I WILL CHOOSE ONE WITH 25
MANDATES, WHICH WOULD LOWER THE
COST.
MARKIE: I KNOW INSURANCE IS
CONFUSING TO PEOPLE.
THE THINGS IN YOUR INSURANCE
WOULD BE RECOVERED OUR STATE
REQUIRED MANDATES.
>> THERE IS A LIST OF 40 IN OUR
STATE.
MARKIE: IF WE CAN PULL A SOME OF
THE MANDATES THAT ARE CURRENTLY
HERE BUT WOULD BECOME OPTIONAL,
IF WE CAN GET THAT GRAPHIC SOME
PEOPLE HAVE A SENSE OF WHAT SOME
OF THESE ARE.
SOMETHING LIKE AMBULANCE
TRANSPORTATION, CANCER
TREATMENT, DIABETES TREATMENT,
EMERGENCY ROOM SERVICES,
IMMUNIZATIONS.
THESE ARE THINGS THAT
POTENTIALLY WOULD NOT BE COVERED
UNDER YOUR INSURANCE?
>> YES, BUT THERE ARE A LOT OF
OTHER ONES.
THERE ARE SOME EGG ONES.
ONE OF THE ONES THAT IS
PREVALENT RIGHT NOW IS AUTISM
COVERAGE -- THERE ARE SOME BIG
ONES.
IN SOME STATES, THEY HAVE THE
BEST LEVEL OF COVERAGE.
THOSE OFFERED COVERAGE IN
OKLAHOMA AND SOMEONE WITH AUTISM
OR HAVING A DEPENDENT WITH
AUTISM, IF THEY WANTED THE BEST
COVERAGE, THEY WOULD CHOOSE IT
FROM ONE OF THOSE STATES.
THEY DO NOT HAVE DEPENDENTS, DO
NOT HAVE AUTISM, THEY DO NOT
WANT THAT COVERAGE BECAUSE IT
COSTS MORE, THEY CAN CHOOSE NOT
TO TAKE IT.
MARKIE: HOW SHOULD I KNOW WHAT I
WILL NEED?
>> IT IS A GREAT POINT.
MOST OF THE COVERAGES ARE GOING
TO COVER SOMETHING LIKE CANCER,
SO YOU WOULD NOT NECESSARILY BE
ABLE TO OPT OUT OF SOME OF
THOSE, EVEN IF YOU WANT TO.
MARKIE: DOWN THE LIST, DIABETES
OR ANY OF THESE THINGS, YOU DO
NOT KNOW YOU ARE GOING TO GET
THEM.
HOW DO YOU DECIDE?
>> FOR SOME OF THOSE, YOU HAVE
TO EXERCISE GOOD JUDGMENT.
YOU WOULD WANT TO KNOW, HEY, I
HAVE INSURANCE BECAUSE OF THAT.
I AM NOT BUYING IT -- BEFORE, IF
YOU DID HAVE A CANCER PROBLEM,
YOU WOULD KNOW, HEY, I CANNOT
GET THIS COVERAGE SO I WILL BE
IN BAD SHAPE.
IF YOU ARE DRAMATICALLY
PREDISPOSE AND YOU KNOW YOU HAVE
PEOPLE IN YOUR FAMILY WITH
CANCER, YOU PROBABLY SHOULD KEEP
THAT MANDATE IN YOUR COVERAGE.
MARKIE: SO WITH THIS BILL, IT
MAY COVER LESS, AND THAT WOULD
BE ABLE TO DRIVE DOWN THE PRICE?
>> MANDATED COVERAGE WOULD BE
LESS.
EVERYTHING ELSE WOULD BE THE
SAME.
MANY, MANY THINGS THAT HEALTH
INSURANCE COVERS THAT IS NOT
MANDATED.
IT IS DIRECTED BY THE PHYSICIAN.
IF THE PHYSICIAN SAID, HEY, YOU
NEED TO HAVE THIS CARE, IT WOULD
BE COVERED.
MOST THINGS OF PEOPLE GO TO, 80%
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