Interstate medical insurance

Discussion in 'Healthcare/Insurance/Govt Healthcare' started by Supposn, Jul 4, 2017.

  1. Supposn
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    Supposn VIP Member

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    Interstate medical insurance:

    “The powers not delegated to the United States by the Constitution, nor prohibited by it to the states, are reserved to the states respectively, or to the people”, is the 10th amendment to the U.S. Constitution.

    Article 1. “Section 8. The Congress shall have Power ... To regulate Commerce with foreign Nations, and among the several States, and with the Indian Tribes;
    To establish an uniform Rule of Naturalization, and uniform Laws on the subject of Bankruptcies throughout the United States; ...”

    Article 4. “Section 1. Full Faith and Credit shall be given in each State to the public Acts, Records, and judicial Proceedings of every other State. And the Congress may by general Laws prescribe the Manner in which such Acts, Records and Proceedings shall be proved, and the Effect thereof.
    Section 2. “The Citizens of each State shall be entitled to all Privileges and Immunities of Citizens in the several States. ...”

    These excerpted portions from the U.S. Constitution and its amendments all serve to parse the jurisdictions of our U.S. federal government and our nation’s individual states and territories.

    It’s constitutional for a medical insurance enterprise to establish individual subsidiary corporations within more than one state. Such subsidiary enterprises must comply to the regulations of the states having jurisdiction over policies sold to the individual purchasers. It’s constitutional for medical insurers to clerical tasks performed beyond our nation’s and their state’s borders. I’m sure to the extent they determine performing any administrative tasks could be outsourced to such an out-of-state provider, they have or will do so. In such a case subsidiary or even competing nation-wide enterprises could all be served by central single or multi out-of-state service providers.

    If insurance companies do not offer such out of state provisions imbedded within their insurance contracts, or they do not offer such riders to their insurance contracts, that’s due to their determination of what’s in their enterprises’ best interests. If the states do not require the insurance enterprises to provide such options, I would suppose that the insurance industry has made that to be in the states’ legislators’ and insurance regulators’ best interests.

    Respectfully, Supposn
     
    Last edited: Jul 4, 2017
  2. waltky
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    waltky Wise ol' monkey Supporting Member

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  3. dblack
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    dblack Gold Member

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