Healthcare Solutions

There are alternatives to paying trillions for the Government to look at what their computer tells about the most intimate details of your life and then decide what treatment you should get from their underpaid doctors.

1. End medicare and medicaid. These open ended guaranteed government payments allow businesses to operate and make millions while justifying poor service because the Government thinks it is paying discounted prices. Any medical assistance programs must be implemented on a state level where it is not unconstitutional.

2. Employers should be able to let employees choose their individual plan based on their needs. For example, I am not going to get pregnant, and I don’t anticipate most of the health problems that come with age at this point in my life. Yet I am paying for all of that in my insurance plan.

3. Insurance should be portable and easily picked up and dropped. When you buy car insurance, you are covered at that moment. When you buy health insurance, you have to wait a year for some coverage to become applicable. This will create competition.

4. People should be able to buy policies from other states. However, insurance companies should also have the option to not sell to certain states that have strict laws regulating insurance companies.

5. People shouldn’t have to go to doctors with 8 years of college debt to get simple physicals or other simple procedures and diagnosis. They can if they want to, but they shouldn’t have to. I can go to Wal Mart for a $70 eye exam, or I can spend a couple hundred dollars to see a private eye doctor practice.

6. Some prescriptions should be de-regulated. Think about it, you can get Plan B over the counter, but for a much lower dose birth control taken daily you have to get annual checkups and pay prescription costs.

7. HSA plans are a good idea, but the fees make them not worth it. HSA plans must be made simple like a self-directed IRA to be used for any medical costs no matter what your insurance is. If someone wants full coverage and an HSA, go for it. If they want no insurance and an HSA, go for it.

8. Doctor/patient confidentiality must apply only to citizens and legal residents. Illegal aliens must be treated and then sent back to their home country where they can obey our immigration laws just like everyone else, however they must pay any medical expenses outstanding as part of the citizenship process.

9. Uninsured individuals must pay for procedures. They can negotiate payment plans and prices with the doctors, but if they use medical services they must pay what the doctor determines they owe. Medical liens should be available to doctors so that they can choose whether or not to treat a delinquent patient before doing an operation.

10. There must be truth in advertising. Doctors must be able to let you know exactly what you will owe for a procedure before you have it and you must be able to easily acquire from your insurance company what they will and will not cover. Except in emergencies, reimbursements must be issued before the procedure takes place. This will ensure limited legal action and no recalculations of what you owe after the fact.

11. We need serious and real tort reform. I would recommend a standardization of what a doctor or insurance company must pay for each situation. I would also recommend a clear understanding between doctor and patient of what creates a legal liability for a doctor. For example, if they amputate the wrong foot, it should be clear what your legal options are. If they are doing a procedure and due to no fault of their own something goes wrong, they should be protected from lawsuits. If a doctor explains an operation to you, listing the risks, and you choose to have the operation, you must be the one responsible for that decision.

12. Doctor education needs to be reformed. The cost of doctor education is unreasonable. But education is a whole other topic that I have dealt with in other places.

13. Patients medical records should be made electronic with every patient being able to access and transfer them from doctor to doctor. GOVERNMENT MUST NOT BE ABLE TO ACCESS THESE RECORDS. You think voter ID cards are a violation of civil rights…

14. It’s up to the states, but I would recommend that states do not cover abortions, smoking or drug related illness, sexually transmitted diseases or cosmetic surgery.

15. Businesses and individuals should be allowed and encouraged to pool insurance plans or create healthcare associations to negotiate for lower rates and create pooled risk. Already there are many Christian community organizations who do this and provide medical coverage for less than $100 a month.

6 Responses to “Healthcare Solutions”

  1. 1 Tiorbinist August 16, 2009 at 7:38 am

    Here’s an interesting thought: all of these points are predicated on preserving health insurance.

    Why not throw the whole health insurance system, as it stands, out? Then we pay for the medical treatment we get. Keep one form of health insurance: catastrophic. It is the only form that makes any sense at all: you pay into it against the possibility that you or one of your covered loved-ones is involved in an accident or disease that costs more than you can afford. But it isn’t elective: to get benefits from it, you actually have to need it.

    That is, after all, the big problem with health care right now, and the bottom-line misery for those who can’t afford it. Health insurance is gambling, that you can cost the insurance company more than you pay in premiums. With everyone playing that way, it is guaranteed that premium prices will rise, and with the protection of the medical profession against free-market mechanics, there is nothing to prevent the rise of costs, inflating premiums even more.

    So put day-to-day health care back on the free-market system, and preserve insurance only for that portion that cannot be predicted at all.

    Result: If you get a cold, you don’t go to the emergency room on day one. If you want plastic surgery, you negotiate and pay out-of-pocket, without a third party (the health insurance industry and its supposed deep pockets combined with governments who feel that robbing those pockets is just fine.)

    And then, you pick up the uninsured and/or uninsurable on a different system, whether charity (call a spade a spade), time payments, or, at worst case, government interference.

    The effect of free-market mechanics in the medical business is that prices will be based on what the medical profession requires and people can pay, rather than what the health-care insurance industry wants (for the bottom line of their stock holders) and can’t apply sense to determine what they should pay for it.

  2. 2 ikefriday August 16, 2009 at 2:40 pm

    I agree, although I wouldn’t make that mandatory. But I think point 7. of making HSAs more accessible and all would help that out.

    As it stands, HR 3200 makes catastrophic only plans unqualified. So if you got an HSA and a catastrophic only plan under Obama’s healthcare plan, you will still have to pay penalty taxes for not buying insurance. Tell me where I can find THAT in the Constitution.

    • 3 Tiorbinist August 17, 2009 at 8:05 am

      well… can you tell me where even a community-organizer-experience-damaged constitutional skowler can find any of this healthcare rot in the Constitution? Or the idea that the government (which is not constitutionally allowed to be a bank nor invest in Wall Street) can become controlling owner of a car company?

      Sadly, we can’t even manage to start the fight there, because the last election left Obama in a position to do whatever he wants, and he took advantage of it. So much so that some of the most liberal senators and congress-critters now look like moderate Republicans. And even they are balking at the Obamanations coming out of the White House.

  3. 4 Don Burnett August 20, 2009 at 4:56 pm

    Look at this from during the bush administration. Your views just are radical and wrong..

    I suppose you never had catastrophic illness and needed oh say a kidney transplant and kidney dialysis and had no insurance because someone outsourced your job to someone in another country for $3.00 an hour and the only work you could get in your industry or elsewhere wouldn’t cover your now preexisting condition and couldn’t get a healthcare group or individual plan either way.

    I also suppose you never had to declare bankruptcy over this adding to the national debt (a cost which is much more than a public healthcare option)…

    I have had to do all of these and let me tell you what you are suggesting doesn’t work.

    If we spent even as much free money as we dropped on IRAQ the day we invaded and took over that country with US currency that they didn’t even track, this wouldn’t even be an issue.

    Co-ops don’t survive historically more than three years due to size and can’t handle costs of major illness.

    The fact of the matter is if we do the changes you are suggesting is that many people still will go uninsured and die. I saw many people have problems like that and die during almost 5 years of hemo-dialysis who could have survived.

    If you look for instance at a state like Tennessee with a historically RNC run government and the problems with how they configured there attempt at it with TN Care then you will see that it doesn’t work.. If after watching this CBS video that aired a summer ago under Bush, you don’t see the real problem and come up with some REAL counter solutions that we can all get around then we are all in for a lot more trouble. The answer is to stopped being concerned about yourself and more compassionate about everyones health and making it a RIGHT not a under supported promise.

    Watch this and tell me what you think. I expect better solutions from conservatives than what I am hearing..

  4. 5 ikefriday August 20, 2009 at 5:07 pm

    Don, Obamacare makes catastrophic health insurance plans illegal. So you have to either pay for a full plan that pays for your physicals, or you have to go on the government plan.

    We could cut costs bigtime if people could get an HSA and catastrophic coverage.

  1. 1 Careful, Newt « White House 2012 Trackback on May 16, 2011 at 1:40 pm

Leave a Reply

Fill in your details below or click an icon to log in: Logo

You are commenting using your account. Log Out / Change )

Twitter picture

You are commenting using your Twitter account. Log Out / Change )

Facebook photo

You are commenting using your Facebook account. Log Out / Change )

Google+ photo

You are commenting using your Google+ account. Log Out / Change )

Connecting to %s

Share This Blog

Bookmark and Share



%d bloggers like this: