Let’s take a look at the government health plan, shall we?
The Federal Employees Health Benefits (FEHB) Program came into effect in 1960. It is the largest employer-sponsored group health insurance program in the world, covering over 9 million Federal civilian employees, retirees, former employees, family members, and former spouses. A voluntary program, it is intended to assist you and your eligible family members with expenses of illness and accident, and is paid for through employee and employer contributions.
FEHB offers the following advantages and guarantees:
- An annual opportunity (Federal Benefits Open Season) to enroll in a health benefits plan or change enrollment selection
- A choice of plans and options with group-rated premiums and benefits
- Guaranteed protection that cannot be canceled by the insurance carrier
- Coverage without medical examination or restrictions because of age, current health or pre-existing medical condition
- No waiting periods after the effective date of enrollment
- A government contribution toward the cost of your plan (unless you are on a temporary appointment)
- A payroll deduction method of making premium payments
- A temporary 31-day extension of coverage after separation from employment, during which you may convert to a private non-group policy
- Continued enrollment for eligible family members after the death of the employee or annuitant
- Ability to pay premiums with pre-tax dollars. This is called Premium Conversion (PC).
So, no waiting periods, no restrictions, can’t be canceled, premium is paid pre tax, available to retired and former employees, their spouses, former spouses, other family members, and continues to the family members after the insured’s death…
Well hell, I wouldn’t be doing anything either.
Here’s what we should do. Kick all of their sorry asses out of the program until they pass something remotely decent and sadly barely adequate for the rest of the citizens of this country. I guarantee we wouldn’t be waiting through their little summer vacation for a vote.
But until then, rest knowing we live in a country that ensures health care to the imprisoned, federal employees, and the people with enough money. The rest can just go piss up a rope, I guess.