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Physicians for a National Health Program (PNHP) on Myths and Facts about a Public Option
Myth: More choice.
Fact check:
Provider and location choices will be limited. Seeking care outside networks will cost more, and authorization will still be required.
Myth: Patients may keep their doctors regardless of employment changes or health.
Fact check:
The employer-based system stays intact. If a new plan is chosen, only doctors in it may be accessed. Patients retaining their own will incur higher out-of-network fees. Insurers may also cherry pick the healthy and avoid the sick. Patients becoming ill risk losing employer-based coverage or face higher premiums to keep it.
Myth: Private insurers will have to compete on a level playing field.
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