In September 2007, Excellus BCBS submitted a proposal to reform the direct pay and small group insurance markets. The direct-pay market means insurance purchased directly by individuals for themselves and their families through an insurance carrier.
HCFANY has reviewed Excellus’s proposal in relation to our 10 Standards for Quality, Affordable, Health Care for All. This proposal is not a comprehensive proposal for universal health coverage.
It is strongest in addressing the key points of the stop-loss pool and creating as large a patient pool as possible, however it then segments the market by offering many products. Overall, it is difficult to evaluate this plan as it does not address several of the standards set forth by HCFANY.