Health & Wellness

The Low Cost Solution to Providing Health Care

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
plan.

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LaAntho
8 years ago

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.

Mehader
8 years ago

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

Deniss
8 years ago

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.

Kinipun
8 years ago

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
Reply to  Kinipun
8 years ago

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.

Sonali
8 years ago

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 it.is 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?

Jose
8 years ago

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?

Jhonatan
8 years ago

No, it doesn’t work that way. Most carriers rurieqe you to agree to cancel your existing policy when you apply for your new one, and if you have two policies one is going to be primary, and the other secondary. You will reap the benefits of the better plan, but where they overlap, only one will pay.What you might want is be a supplemental or limited benefit plan to go along with your insurance policy. These are not insurance policies and I usually don’t recommend them. I think your money would be better spent buying a better single policy, or an HSA type of plan and banking the savings.Don

Terra
10 years ago

I think a free market approach is the best way. A voucher system for seniors to purchase the plan they see fit for themselves. If they spend less then the voucher they can keep the cash. Also I believe seniors should be able to opt out of medicare if they choose. Right now the Goverment sets the prices for 1/2 the healthcare sector directly and the other indirectly. Gov. regulation controls production and consumption. I would like to see a true free market system to drive actuall cost down. It is worth a try. And any regulations be done by States and not the federal government. Opening up purchasing power across state lines is a must. And even practitioner liciencing across state lines is a good idea for true market competition. Reforming liciencing and tort reform would greatly reduce cost. If the free market drove prices and not Gov. regulations and bureaucrats there would be afordable plans for everyone. Also another reason for high cost healthcare is over consumption because of the third party pay system and Doctors practicing defencive medicine. I think if people had to pay some cost up front and then be reimbursed by insurance it would stop a lot of over utilization. Also if we had a true free market system and deregulated you would find a lot more clinics and charitable healthcare facilities.

Mark
10 years ago

I agree with your plan EXCEPT for telling everyone they need health insurance. Insurance is legalized gambling, you bet one way when you buy it, you bet the other when you don’t. Those that do not buy it though must realize that they can lose everything if/when they get seriously sick. Offering a low cost catastrophic plan is best idea, but not a must buy option! Defend the constitution and states rights!

Robert
10 years ago

Now that we know the individuals in Congress who, with a 50.8% majority have shackled 100% of Americans with ObamaCare, we need to remember in 8 months to Get Them Out of Our House (GOOOH). Don’t let the apathy of most Americans to forget what has been done to them.

Caroline
10 years ago

As far as the auto insurance argument goes, you are driving a 2,000 lb machine that can kill people. Of course you need auto insurance, in case something goes wrong. Also, car insurance is a state mandated issue and if you’re not engaged in the activity of driving a car, you don’t need to buy it. Lawmakers can’t compel you to engage in an activity then charge you for it.

Caroline
10 years ago

What would be the penalty for not signing up for the health insurance? A fine or jail time? I vehemently oppose the notion that I must pay a fee or enter into a contract to live in the U.S. or face jail time or a fine. I know the plan is contingent on people complying, thus adding revenue to pay for these plans, but to have to buy a good or a service in order to live “freely” in the U.S. grates on my last nerve. I would refuse to comply, thus clogging up the courts system then others of my mindset join in. Why not just have everyone pay a fee when they go to the doctor, above their insurance copay to help pay for this? If you don’t have insurance, you still have to pay a fee. $20.00 or so. Not too expensive but everyone paying in would be contributing and for those without insurance it would make the notion of “free” healthcare a thing of the past and doctor visits something not to be abused.

Marilyn Davis
10 years ago

I really want to support an alternative to the monstrosity that Obama et al just forced on us. I have one objection to your proposed plan: people would still be forced to buy insurance. I believe that is unconstitutional in the case of Obamacare, and it appears that your plan has the same flaw. I don’t know what the solution is – I’m just asking for reform that respects the constitution.

bonnie rakes
10 years ago

I am opposed to forcing one to buy insurance. If I don’t believe in modern medicine, the cost is a fine, for I am getting nothing from it. RIGHT? I don’t believe it is constitutionally permissible.

I also believe that govt is going about it all wrong, as you cannot possibly make such sweeping changes AND keep control of spending. Ask any corporation! But of course the sweeping part is exactly what OBAMA wants.

GOD HELP US!

The huge thing you brought up is to have low cost clinics in drug stores or as standalone businesses. In Oklahoma there are many such clinics and it makes perfect sense. You don’t need to go to the hospital for a fever. You don’t need to go to the hospital for three stitches. Back in the day, the doctor could handle that, and if we had walk-in clinics, that would eliminate the abuse the emergency rooms suffer from minor ailments coming in constantly. Surely there is a way that clinics could be subsidized without adding five more layers of bureacracy. This would have to be cheaper for the taxpayer.

Mei
Reply to  bonnie rakes
8 years ago

Howdy, i read your blog from time to time and i own a similar one and i was just cuoiurs if you get a lot of spam comments? If so how do you prevent it, any plugin or anything you can suggest? I get so much lately it’s driving me insane so any support is very much appreciated.

bonnie rakes
10 years ago

I have to say i am impressed with your ideas. I can’t for the life of me understand people that can’t see that having more hands in the pie (IRS, govt etc) costs more and reduces the amount of pie!!!

The only thing you didn’t mention, and I have talked to my doctors about this is for all medical insurance companies to be required to limit form changes, or be required to adopt a universal form for all companies. My surgeon has 8 people just to do the paperwork for 3 surgeons. He said it is because of the insurance company forms which all differ and then the companies will change their own forms 2 or 3 times per year so you are always trying to learn the latest forms. That’s stupid and a waste of time!

I would like to see the country revolt — everyone stop federal withholding for a month starting april 15. Maybe I am shortsighted, but would that get any ones’ attention? Or is Obama just too ignorant and cocky to think anyone knows anything?

The health care bill is NOT A BOX OF CHOCOLATES AND I AM NOT FORREST GUMP. I know we all expect a butter cream but we will be getting CRAP.

Roger L. Miller
10 years ago

Comrade Obama and his Socialist Democrats are not interested in Health Care for Americans. It’s all about power and control of all America. This health bill is just the beginning, next is “amnesty” for the 25 million illegals in the U.S., so they can vote for Obama in the 2012 presidential election. The bottom line is Obama is a Marxist and is surrounded by a staff of Communists. He should be impeached and put in prison with the rest of his White House thugs. He, Pelosi and Reid along with other Socialist Democrats are “traitors” to the U.S. Constitution and the United States of America.

clifford geno
10 years ago

AMAC, can you get these idea’s to the house and Senate, as soon as possible, or do they already know about them?

Shirley D
10 years ago

You lost me when you REQUIRED everyone to purchase insurance. Nowhere does the Constitution give government the right to force me to purchase insurance. The problem today is not that some people don’t have medical insurance – but that medical care is simply not possible without it. We used to be able to go to the doctor and actually afford to pay for his service. The only insurance we needed was hospitalization, so that if someone was hospitalized, the insurance would pay a portion of the $100 per day that the hospital typically charged for the room. An overnight stay in a hospital today would cost many thousands of dollars – far exceeding the rise in the cost of living over the last 3 or 4 decades. Somehow we have to identify why medical costs have risen so astronomically in the last 30 years and address that problem instead of just blaming insurance companies. Insurance companies set their rates in response to rising medical costs – they are not responsible for medical costs. Tort reform is sorely needed, and in fact, medical cost reform is not possible without it. Additionally, we have to address the problem of illegal aliens – and not by just granting them amnesty.

Barbara
10 years ago

I agree with AMAC proposals. Our government is full of greed, arrogance and totally does not get what the American people want. Cut the government jobs at the federal, state and local levels. Combine just like the private sector must do. Let the government people take cuts in their salaries and benefits. We are the government. We have long lived in indulgence and misspending and now it is at a point where it is so out of balance that our children and grandchildren will not have the country that was once great. We must stand up and pay the cost now so that future generations have quality of life in the United States of America. Do not take God out of the picture. As we do so, we get more out of balance. It is time to come back to the roots and work from that point. God have mercy on us.

Don
10 years ago

Big government keep out of our personal decision making…They have never gotten right, look at current health care plans, Medicare, Medical and the Social Security Plan.
They just want another pocket to borrow from as with S.S. and it is currently bankrupt now from big government spending and should be addressed years ago and yet they do absolutely what they do best, Nothing at all!
Pelosi, Reid, Obama and acorn all benefit from these liberal socialized programs, Not the American People. We the People a government by the people for the people and by the people, Not Obama, Pelosi, Reid or Congress or Senate…We the people expect our Representatives to Represent us, not make our decisions and take our money…
The People have spoken and this Adminsitration does not listen and keeps telling the media what the Americans want according to what he wants, not what they truly want and that is hands off!