Quote:No need for insurance companies to sell across state lines?  Are you kidding me?  As it stands now, insurance companies can't sell insurance across state lines.  That does a couple of things.

 

First, it puts "monopolies" in certain states.  The reason that companies like Blue Cross can operate is because they have "corporate offices" in several states. and second it pushes down the free market.  
That "Geisiger network" as you describe it not allowed to sell it's services over state lines.  That means that they can't offer the services of the big insurance companies to everyone.  A company like "Geisger" might actually flourish and become profitable if they weren't held down by government restrictions.

 

For the record, I am not a singe person.  I've been married well over 20 years (I'll just leave the figure at that).  I've for the most part paid for my wife and my routine healthcare out of my own pocket.  I have leaned on insurance to pick up portions over the years, but for the most part I've paid my own way.

Because of the national companies there is no need to sell over state lines...Blue Cross and the other HUGE providers eliminate the need to sell over state lines which is why they don't...Blue Cross Network and the other HUGE health care providers, are in every single state and some countries... If they were not and you lived in Florida with a Florida based health care provider, and you went to Georgia for some reason and twisted your ankle and needed it to be checked out, you would be out of network and would have to pay a lot more being out of coverage... What if some thing happened to your wife or kid that was an emergency and your insurance wouldn't pay enough for them to do anything more than stabilizing treatment? There is a law that hospitals only have to give life saving and stabilizing treatment if you have no insurance...When there are networks covering all 50 states and some countries, why would there be a need to mandate over state lines to sell?

 

I travel A LOT and a network such as Geisinger is junk for me...I am from Idaho originally, I vacation there every year...We ride horses, we hit the lakes in boats, we do all kinds of outdoor activities...If something were to happen that I needed medical care, Geisinger wouldn't even pay half of the cost because I was out of network, but the BIG companies such as Blue Cross network would cover me and my family completely...I pay for health care services and I expect to be able to use them when I need them

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