Keep an eye on 'carve-outs'
By The Tribune-Review
Published: Saturday, Nov. 9, 2013, 9:00 p.m.
Your employer, like mine, may have switched to a health care plan that can be used at both UPMC and West Penn Allegheny. But watch out.
The VND and other excellent sources of information have nonetheless failed to explain the “carve-outs” — services not covered in a health insurance contract — from these plans.
I speak specifically about the mental health/substance abuse component. Treatment for depression, anxiety or alcoholism may not be available from Western Psychiatric Institute and Clinic, which is part of UPMC, or other well-respected mental heath units or outpatient clinics.
Chances are far greater that you and your family will need your “carve-out” more than a heart procedure or some other major medical service.
It is a myth that the Republicans offered no health care plans in 2008. There were many proposals, including the John McCain plan and the subsequent Mitt Romney proposal. The Affordable Care Act was a completely one-sided partisan effort.
FDR and LBJ at least obtained bipartisan support for their landmark legislation, keeping the nation united. The people, through the U.S. House of Representatives, have rejected ObamaCare's partisan effort.
It reflects badly on President Obama that he won with the smallest margin for a second-term president and lost more counties than he won.
Show commenting policy
TribLive commenting policy
You are solely responsible for your comments and by using TribLive.com you agree to our Terms of Service.
We moderate comments. Our goal is to provide substantive commentary for a general readership. By screening submissions, we provide a space where readers can share intelligent and informed commentary that enhances the quality of our news and information.
While most comments will be posted if they are on-topic and not abusive, moderating decisions are subjective. We will make them as carefully and consistently as we can. Because of the volume of reader comments, we cannot review individual moderation decisions with readers.
We value thoughtful comments representing a range of views that make their point quickly and politely. We make an effort to protect discussions from repeated comments either by the same reader or different readers.
We follow the same standards for taste as the daily newspaper. A few things we won't tolerate: personal attacks, obscenity, vulgarity, profanity (including expletives and letters followed by dashes), commercial promotion, impersonations, incoherence, proselytizing and SHOUTING. Don't include URLs to Web sites.
We do not edit comments. They are either approved or deleted. We reserve the right to edit a comment that is quoted or excerpted in an article. In this case, we may fix spelling and punctuation.
We welcome strong opinions and criticism of our work, but we don't want comments to become bogged down with discussions of our policies and we will moderate accordingly.
We appreciate it when readers and people quoted in articles or blog posts point out errors of fact or emphasis and will investigate all assertions. But these suggestions should be sent via e-mail. To avoid distracting other readers, we won't publish comments that suggest a correction. Instead, corrections will be made in a blog post or in an article.
- Obstacles to hiring
- Our nation’s testing obsession
- Putin’s actions I
- Obama & Reaganomics I
- Putin’s actions II
- Obama & Reaganomics II
- Math in common?
- Telling quotes
- Lebo’s coyotes
- We pay to keep poor warm
- Conspicuous by absence