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States now have just seven days until a critical deadline on decisions that will change the lives of their citizens next Friday is the -- the governors must report to the federal government.
About -- to institute some major new health care reforms.
Doctor Mark Siegel as a member of the fox is medical eighteen and professor at the NYU and -- medical center doctor good to see to -- -- -- and our rates and this is all about whether it's going to be a state exchange a federal exchange tell us what these are how they work and why we should care.
First of all their virtual meaning that -- you have to go to a computer to use them and we saw what Medicare part.
So far sixteen states plus the District of Columbia where you live.
Have said that they're gonna do the state exchanges nine have said absolutely no which includes Texas and Florida that have been against every aspect of Obama care.
But that -- over half of states that are saying so far.
We're not buying into this yet which could mean that the federal government has to create exchanges for over half of the states.
That could end up costing a lot of money at it again lack of uniformed -- you go to the exchange which is on a computer you -- you try to figure out what insurance to get.
And we predict that a lot of people may lose their employer based insurance and have to go get into individual insurance with if they can't -- a federal subsidy.
I'm concerned that the kind of insurance this is also is the kind that will allow you access to a doctor if he's there to see you.
Well allow you see this doctor whether you're sick or well.
But I'm concerned that it may not pay for high technological solutions on the other end.
That don't work for everyone that our brand new that are bells and whistles that are really exciting personalized medicine but are very expensive and insurance companies may decide not to cover.
And Medicare under iPad the board that we've been talking about may decide not to come.
Yes of these exchanges are essentially we -- a consumer and save of the new -- you will have to go then to whatever exchange Utah decides to set up to shop for your insurance and that's where they'll be sort of -- -- products will be there.
So states can set up their own they count on offense to come do it or they can do sort of -- hybrid.
A -- you're worried about the fact that it's going to scenes we significantly change what insurance is available or how it works for people in practice.
Actually actually to and when I'm most concerned about is the price of premiums because let's talk about the good things here you know you're going to be covered.
For preexisting conditions no matter what I'm all for that we do that -- New York State already.
No lifetime limits that's great why should you be dropped if you get sick I want people to be covered up to the age of 26 also -- good feature but the kind of insurance we're making people get for people up to 26 is the same kind of comprehensive insurance and I'm concerned about.
Too easy to over use.
We talk about -- you know if we talk about preventive medicine but a lot of those services are very very expensive and I predictive premiums are gonna go through the ropes -- you're gonna go to the state exchange.
But you're still gonna have to pay very very high premiums.
If we had portability of insurance with a federal exchange then there would have been real competition and -- prices would have gone down.
I'm also concerned that many doctors won't take this insurance.
May drop out may retire early were already seeing a lot of nurse practitioners and physician's assistants.
Fill the void I -- someone very close to -- the emergency room last week never saw a doctor.
That's OK you can get the basic care that -- but what if something goes really wrong I'm concerned about that I don't wanna see doctors fleeing the system -- they may not be able to afford to work with this insurance.
-- the whole idea behind the law was supposed to bring down the cap the cost of -- to make sure that more people have access to care and it looks like they're going to be some kinks in the road trying to get there.
More access to insurance not necessarily more access to care and you're not gonna get to keep productive doctor -- move to a hospital or to a large group we -- could possibly continue to see them if you still.
If you're in the area where there are major medical centers.
A lot of changes lot of changes the glider I can benefit today think -- actor at the.
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