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National health-care fixHere's a health plan that preserves the private sector, insures everyone, and provides for a moderate degree of cost controls. The Dept. of Health and Human Services, authorized by federal law, writes a health-insurance policy (structured similar to United Health, Cigna, etc, with coverage for prescriptions, preventitive care, pre-natal, disabled and elder/long-term care). The policy is THE ONLY HEALTH INSURANCE POLICY health insurance companies nationwide can offer, and with no modifications, no declines, and no one written-up. Health insurance companies could compete only on the basis of their premiums and the efficiency of the operations; not by denial of care. Other than writing and occasionally revising the policy, the only role for the federal government (no role at all for the states) would be to subsidize premium payors, on a sliding scale, thru the income tax system. The system would be self enforcing. Health-care providers (doctors, clinics, hospitals) would enforce insurance company compliance thru lawsuits; the governments would not have to have an enforement role. The affluent would pay the full premiums; with declining percentages for less affluent patients. Prescription costs and medical technology costs would be controlled by the policy established recompensation to the pharma/tech companies. Example: Prescription copays of, for example, $5, 15,25 would be recompensated by the insurance companies to the pharma companies at $50,100-500 or so, for one month supply. No $2,000 a month pharaceutical costs. Similar situation with advanced medical technology, recompensation built into the plan would force technology back into the larger (mostly public and not-for-profit) hospitals, due to economies of scale. No more private doctor boutique practices. Tell me what is wrong with this? Please. I have yet to see one serious valid economic or structural criticism of it. Political? Yes, I know. But this plan gets around the mindless "socialized medicine" scam, as it leaves companies, insurance and otherwise, completely intact. The government would NOT be running any company....
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Health care for profit
On the surface, sure, health care for all. However, I'm seeing the middlemen insurance companies still right there, in the middle between the clients and providers. Get rid of them. There is no need for this layer of profit-makers. The reason that we have the completely dysfunctional "system" (if it could even be termed a system) that we have now is because we worship the almighty profit. No one should profit unduly from providing health care.
Making money off the sick?
I as a health care worker myself find it very repugnant to turn the time honored art of healing into a money making machine. Universal health care for all is the moral thing.
but look at the market results...here's what would happen..
A bill providing for a sole "national health insurance policy" written by the DHHS would obviously require (mandate) that ALL companies offering health insurance, for example, at a point in time two years prior to the passage of the act, continue to do so. There would need to be this provision to prevent "investor strike." Many companies now offering health insurance would rapidly reach a point of insolvency of their health insurance divisions. So such a law would have to provide for the DHHS to oversee and approve "consolidations" of health insurance companies, or the health insurance divisions of more broadly based companies/corporations.The result would be that the health insurance industry would "resolve" into a small number, likely three or four, large firms. Those firms could then compete, as stated, only on the basis of the premiums they charge and the efficiency of their operations, again, not by denial of care, cherry-picking, et.al. There would be a natural evolution toward not-for-profit health insurance, as those firms wouldn't need to manage their operations with the objective of profit distributions to owners or shareholders.The idea of a federally mandated uniform health insurance policy would initiate a process toward conditions markedly similar to a single-payer system, but without the market disruptions, and without the political liability of being subject to the charge by the political right-wingnuts of "socialized" medicine.
Exactly what value do the Healthcos add?
Note that in this plan, as with the current broken system, the insurance companies add no value. So nothing justifies the gross margins they would take.
Also, like the plan currently proposed by Obama, this plan will require MANDATES, SUBSIDIES, HIGHER TAXES. HIGHER PREMIUM COSTS, HIGHER TOTAL NATIONAL HEALTHCARE COSTS, MORE GOVERNMENT REGULATION OF THE INSURANCE INDUSTRY, and MORE GOVERNMENT INTRUSION INTO OUR PERSONAL LIVES (to police mandates and eligibility for subsidies).
Is it worth all this just to "keep a place at the table" for the insurance companies, who currently impose $1 billion per day of wasted administrative costs?
Time for Congress to give the voters and the physicians what they want: single payer, HR 676, "Medicare for All", and put and end to the very wasteful intrusion of insurance companies into the healthcare system.
The increased payroll taxes needed to fund HR 676 would equal insurance premium and treatment costs now paid by employers and individuals; the national healthcare bill would not increase. The only opponents to single payer are the insurance companies and the politicians they have bought, and a minority of voters who have bought into the false notion that single payer is "socialized medicine."
For more on this, see http://whatsnotso.blogs.com
Health Care Insurance
My own experience with health care insurance is pertinent at this point. In 1993, I broke my ankle while on vacation. I had to have extensive reconstructive surgery to repair the damage. According to the doctor performing the surgery, the steel plate and screws he installed in my ankle were intended to be removed after six months to a year. The insurance company bean counters thought differently.
I seriously doubt that the jerk that decided that I could wear the temporary hardware for the rest of my life, had any form of medical training. However, he/she was allowed to second guess the doctor, without a medical license and condemn me to many years of howling pain, every time the weather changed. My wife and I got divorced. I no longer had her insurance. Eventually, the temporary screws began to come loose and had to come out. A very expensive surgery, dodged by an uncaring, unfeeling, for profit driven, insurance company.
Let's not forget the history of insurance, shall we. The first insurance companies were founded to protect cargoes from pirates on the high seas. Many of those pirates were employed by the insurance companies, themselves. Insurance companies ARE the reason our health care system is in the state its in. Insurance companies should be legally barred from making any form of medical decision. The pain of the loss of profit is the only thing they feel. They have no care for the lives or suffering of anyone but themselves and their shareholders pockets.
health care
If citizens of the U.S. were fully informed as to the health benefits that that are realized from a National Health Care system as is the case in almost every industrialized Nation in the World they would demand that we follow suit.The only entities that make out from the American sytem are the HMO'S, insurance companies and drug cartels. The people be damned. Our system is outdated,cumbersome and in a humanitarin sense,criminal.
I agree 100 %
Bullseye bobo6. Thank you
As someone who has only had
As someone who has only had medical insurance once in my life in the 80s for 2 years I can assure you I've done my best to keep myself healthy. I am 56 and have not been to a medical doctor in 35 years and only maybe 3 times in my entire life. Another reason I'm healthy I'm sure. I also don't run to the medicine cabinet for every ache and pain. If I had the money my relatives have spent on prescriptions I could retire. People take pills to wake up and pills to go to sleep. Pills to have sex and pills to not. Wake up America your pills are killing you. The drug companies don't care about you. They are the largest drug cartels there are.
Why not educate people in staying fit and healthy so more people can afford to just live.
I've always felt insurance companies are a scam provided for some to make alot of money off the backs of the working people. Then from what I'm reading refuse them help when they need it. Isn't that the definition of crook.
Also I'm not sure about a national health care system only for the abuses that will happen in that too.
You are a fortnuate person,
You are a fortnuate person, and obviously have no genetic predisposition to cancer, diabetes, Alzheimer's, or the many other genetically predisposed and/or otherwise transmittable diseases.
For those millions of Americans who ARE genetically predisposed to life-threatening illnesses, or come in contact with a bad strain of a virus, however, health insurance is mandatory, and could mean the "economic" difference between life and death -- or, life and homelessness.
"Education" does nothing to prevent these diseases, although medical science is making great strides towards cures and immunizations. In the meantime, we must find ways to provide needed health care to all -- especially our very young, and our senior citizens.
this thread for discussion of health-care enterprise structures
not for personal experiences....
The trick is to start a process toward health-care for all, with a cost affordable to all. A mandantory national health insurance plan starts things toward that process, and then market forces would take over and resolve the industry to a small number of large firms competing solely on the basis of their premiums (a single annual price any person applying to that firm) and the efficiency of their operations - NOT by denying care....
That was the whole point. Nothing I see above substantively presents problems with the effectiveness of this approach toward health-care reform.
Tell me what is wrong with this? Please.
Sounds like a good start. Only because you asked... it would read
better if you spelled preventative, enforcement and pharmaceutical
correctly.