There are variations of this Boston-University-radio-station story all over the Internet1 claiming Massachusetts now allows we health-care consumers/patients in Massachusetts to "shop around" for health care. The reality behind the story seems to me to be totally misleading but I admit that what the Massachusetts state government says the new law covers is also so confusing that I cannot be sure if I'm right2.
So far what the new law appears to mean is that my healthcare policy is now online (I thought it always was?).
Three things:
- The answer to those questions is all on the plastic card in my wallet (or I can read the policy; I understand a lot of people are not anal like me and don't do that)
- I can't really "shop around" because I cannot see the co-pays other insurance companies have with my doctor because I cannot log on to their web sites
- Forgetting the fact that -- like over half the people in Massachusetts -- I'm in a network, I can look up what my co-pay would be with Tufts for other doctors if I went to go to them for a physical (or... or...) instead of to my doctor.
- But why would I do that? I know my co-pay. My co-pay is my co-pay, no matter what doctor I go to (forgetting the fact....)?
- Why would anyone do that anyways assuming they chose their doctor?
1Apparently because the left-wing Kaiser Insurance Company of California pays WBUR of Boston -- and hundreds of other left-wing web sites -- in some way for the articles and then redistributes them nationally
2That's unusual for me. I know I am not always right but I am always sure I am right.