Health & Wellness

The Low Cost Solution to Providing Healthcare

There are five points to the plan.

First, the plan is administered by the states using their already existing Departments of Insurance.  No need to create eighty plus new government bureaucracies, as proposed in House and Senate bills.  The already existing National Association of Insurance Commissioners (NAIC) will create uniform regulations to govern health insurance programs.  Exceptions would be allowed in certain states.

Second, coverage will be required for all, phased in over a four year period.  Individuals would receive tax incentives to help pay the cost.  Those eligible for group insurance would be required to join the plan and employers would pay a portion of the premium.  Tax credits would be given to employers according to a schedule.  A “basic” low cost plan would be available for low income households.

Third, pre-existing medical conditions would be covered.  Insurance plans could not stop payments because of use of the plans.

Fourth, costs would be reduced by:  Reforming medical malpractice lawsuits, establishing peer approved practice protocols to reduce unnecessary tests, allowing incentives to be paid to those who uncover Medicare and Medicaid fraud, encouraging hospitals to review management of their operations and finances (share cost saving ideas) and encouraging competition between providers of medical devices.  Further cost reductions can be achieved by providing incentives for the free market to expand its role.  For example, open low cost medical clinics (for minor illnesses) in stores like Wal-Mart, Sears, and drug stores.  This has already been started by some stores that offer very low prices for generic drugs.

Fifth, achieve massive savings from the Federal government by reducing its size.  As a start, six to eight of the Departments of the U.S. Government will be eliminated and merged into existing Departments.  The funds saved would be put into a separate account to be used to help defray the costs of health care.  Likewise all government programs would be reviewed with an eye to eliminate or greatly reduce costs during this time of economic crisis.  If we are to provide quality health care for all our citizens, we have got to start making serious decisions.

Click HERE for a side-by-side comparison highlighting some of the key differences between the various health care proposals.

Editors note: It has been brought to our attention that the word "mandated" appears in several parts of
the plan and the comparison that follows. The authors wish you to know that there are several options
available to avoid these "mandates". They will be discussed and input sought prior to adoption of the

Join the Discussion   Add Your Comment

  1. LaAntho says:

    I work for a Health Insurance company, but I have great suscecs with Metropolitan Life Insurance company for my property and auto insurance. I have had several claims over the last few years and they have always paid really well.

  2. Mehader says:

    the only way paying for your meicdal insurance is if you were able to itemize your deductionsand no, if your income is $34000 a year that is it no matter how you wrangle deductions etc, you cannot determine you are making more than you areyou might be saving tax dollars, but you are not increasing your income

  3. Deniss says:

    You need a trusted eavisdr to help you through the process of purchasing health insurance so that you understand what you are purchasing. Understanding what you are buying is as important as the price. An agent can give you the knowledge you need so that you can decide what the right balance is between affordability and policy benefits. If you choose a plan that covers everything i.e. doctors office visits, prescription drugs, preventative health benefits, maternity coverage as well as low deductibles, low co-pays and optional vision and dental benefits your monthly premiums will be significant.On the other hand because you are young, presumably healthy and probably don’t often use the health care system you might consider a plan that covers only the major health catastrophe. In this type of plan the insurance company does not pay benefits until you first reach a significant out of pocket cost (this is a deductible). If that is too scary consider a plan with a higher in-hospital deductible, higher co-pays for doctor’s office visits and perhaps not cover prescription drugs. Either of these approaches will result in a lower monthly premium. You then can use the monthly premium savings to pay for the occasional doctor visit or prescription and still come out ahead.Check with the agent that writes your home or auto insurance he/she can provide you a health insurance proposal that takes into account your budget and health status. They can answer questions as to what is and is not covered by the policy, explain deductibles and co-pays and show you the hospitals and doctors that participate in the network. (Networks in PPO and HMO plans are very important considerations).Some are going to suggest you go to their web site so that they earn a few pennies on a click through . Some may suggest going on line to get a quote but as you already know there is much more to health insurance than price. Use the Internet to educate yourself but use an agent to purchase the coverage.

  4. Kinipun says:

    The NHS should cover the costs.Please, natcoct the airlines and ask what the latest day within your pregnancy is on which the will still allow you to board a plane. 7 months might already be a critical point with some airlines.Now, it’s left for me to give you the unpopular answer: Stay where you are. Keep your job AND your insurance. Send your hubby to London alone. He’ll do just fine. Have your baby in the US [so it can become president one day ]. Then move to London as soon as you feel ready.That way you have all the sourroundings and doctors, etc. you are used to; and don’t have the stress of travel, moving house, etc. Your husband can concentrate on his new job (wouldn’t have much time for you during that period anyway) and prepare everything so that it is ready for you. Why should you have all the trouble if he can sort it out beforehand?You’ll just have to make sure that your visa will be remodelled accordingly with you arriving later; and the baby would probably need some paperwork as well.

    • Giulii says:

      If you’re a broker, you get paid more flat out, by snlileg more. So work more hours, go door to door on weekends, and sell more.If you’re NOT a broker, in the insurance agency industry, MOST major pay increases come by jumping ship and finding a new job at a new agency.

  5. Sonali says:

    TMT social sceurity is funded from FICA and does not threaten the income tax budget.Medicare Part A hospitalization only, is funded from FICA and does not threaten the budget unless changes are made to fund it not from FICA.Medicare Part B and MedicAid are funded from income taxes (and some fees and premiums).Medicare Part B is totally voluntary for seniors. You have to sign up for it. And Medicare Part B only pays 80% and limits that again by capping what the provider can charge (that will be reimbursed).The govt charges premiums for Medicare Part B and can and does increase them and can, in fact, raise them substantially on means-tested subscribers.MedicAid and EMTALA are for the indigent and often do not provide routine and regular visits and screening but instead focus on illness after it has progressed to where it threatens life and/or causes the individual to quit work.We are already paying for these people and making no changes means we will continue to pay for them as health care costs accelerate.MedicAid is projected to double in costs in a decade and you and I will pay for your position that we cannot do anything about that?that’s the essential problem in my view.I think if we are not going to kill MedicAid and you don’t either apparently then shouldn’t we make it more cost effective or make it as cost-effective as we can by providing the kind of care that detects disease in the early stages when it’s less expensive to treat?

  6. Jose says:

    For a way to make Universal Health Care a reality WITHOUT iamkng it a government program, might I suggest a book? In point of fact, this plan makes government LESS involved in health care than it is now. The book is Who Killed Health Care? by Regina Herzlinger. She presents a plan she has called Consumer Driven Health Care . A very interesting read and, in my opinion, the best way to fix the system I have ever heard. For comparison purposes, most people arguing for Government run, single-payer universal health care point to the fact that WHO ranked the US health care system 37th worldwide. They then proceed to point out how many government run systems are ranked ahead of us. What they fail to mention, however, is what type of system #1 has. It is Switzerland, and they have a type of consumer driven system as advocated in the book. Why should we emulate a system that simply ranks ahead of us? Why not emulate #1?

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