By Dave Anderson:
I took my daughter to the doctor's yesterday for a well-baby visit. She is doing awesome, and actually made the pediatrician smile as she was laughing and giggling and trying to grab the tongue depressor sticking out of his front pocket the entire examination. Normally the doctor has to handle very upset, uncomfortable and freaked-out babies, so a giggling baby was a treat for him. As I was leaving the office, I grabbed a pamphlet on S-CHIP and a sticker for my daughter.
In Pennsylvania, S-CHIP is pretty damn good. There are three different price points for SCHIP; free, 65% subsidized and full-price. Almost all children are eligible for CHIP. The full-price CHIP must cover the full costs of services. According to the state website, the full cost is $195 per month with $15 to $25 co-pays for office visits and $10 to $18 dollar prescription drug co-pays. That is pretty damn good insurance; it is better than the COBRA insurance that I'll be carrying for my daughter in 2010 at 60% of the monthly marginal total cost.
S-CHIP is a public option for children. The state and the federal government set-up the requirements for a plan and put it out to private insurers to administer. And it works damn well because it provides good coverage with reasonable prices, even excluding the subsidies. With the subsidies, it is golden.
As Steve noted yesterday, five Democrats voted against an aggressive public option that is tied to Medicare rates plus a small sweetner. These five were Sen. Baucus, Conrad, Lincoln, Carper and Nelson of Florida. Three of these five, Baucus, Conrad and Lincoln also voted against the Schumer public-option amendment which would be a public option that is not tied to Medicare rates.
All five of those Democratic Senators voted for cloture on the last SCHIP expansion. All five voted for final passage as well.
The fear seems to be that any public option will create the same option space as SCHIP does --- good insurance, at reasonable prices and minimal hassle that might offer some real competition to private insurers and large donors. Oh no, can't have that.
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