I'd like anyone interested in serious health care reform to visit my web site:
http://heyteachkp.web.officelive.com
and/or FB group:
http://www.facebook.com/group.php?gid=100317643346110&ref=ts
to see a comprehensive, Constitutional plan for health care reform.
Essential elements:
end federal involvement in health care. It's unconstitutional, inefficient, and expensive. Replace Medicare, Medicaid, and SCHIP with PRIVATE insurance. One particular plan which NO insurer is required to offer, but many will, will be eligible for a tax credit to the INSURER to cover policies for those who can't afford the full premium themselves.
Private insurance is reformed: sold across state lines, ERISA shield abolished, and "provider discounts" are ended.
Each state (but not via the government) provides a database of all legitimate providers within the state. Those providers list in standardized plain English what they charge for the services they provide. Read that again: the provider sets its price--doesn't matter if you are uninsured, would have been on Medicare, the price is the same. You can comparison shop and that means competition will help keep prices lower.
All insurance policies will be on the Net. The one (base model plan) which is eligible for tax credits to the insurer MUST cover: a physical, a follow up, an ER visit if neeed, and provide discounted prescription medications. The policy will have a deductible and an annual pay-out cap. Pre-existing conditions are eliminated as are caps on procedures. ALL legitimate providers (those in any state's medical database) will be considered valid providers and whatever the insurer says it will pay for any procedure from a legitimate provider will be covered up to the amount the policy stated it would cover. No referrals necessary.
Providers do NOT have to accept less because of being "on" the plan. They can demand payment in full at time of service, work out a payment plan with the patient, accept the check from the insurance, or lower or write off what is owed by the patient. It's their business, their decision.
There is a logical way to create more doctors and nurses without diluting quality or bankrupting anyone.
There is real tort reform--done in a way different from the examples of tort reform that exist now.
Long-term care (responsible for about 80% of Medicaid expenses) is addressed. Options are created, costs are lowered.
There is much more to the plan, but it MUST BE READ to understand it as it is unlike any other plan out there AND the majority of it is made law for only 20 years. This TRANSITION period means that at the end, unless the people want to renew it for another decade, the tax credits, forced tort reform, and more expire.
This plan has funding in it as well--and it's no new taxes. The FICA IRA will cost a handful a bit more in a FICA tax but they will also be getting 2/3rds of their tax BACK in the form of "forced retirement savings" (which will stimulate the economy). The FICA IRA will also expire in 20 years as the message will be clear: in a "modern" world, the Constitution and free markets work IF followed.
As there are FAQs and more on the regular web site, many of the questions can be answered there. This is in NO way "socialist." It will cost less--the fraud would largely disappear; the federal regulations and even state mandates for insurance are all history and they are far more expensive than the public has been told; no one gets a "free ride." People who want to be considered for financial assistance through the tax credit to the insurer have to fill out a standardized means testing form. They will pay their fair share; those in need will receive help, but it goes to the insurer so there is no "losing the check," "cashing the check," or collecting multiple checks, etc.
Anyone who wonders what happens to the very ill, as a person fighting cancer, when there is an annual cap on the insurance payout needs to look to the RIDERS section. The cap CAN be raised and would be for those with an expensive illness they are battling.
Because EMTALA is clarified, we don't have the abuse of the ER that is common now and that saves a bundle.
If terms such as EMTALA or ERISA shield are unfamiliar to you, please consider spending the $7 to buy the book that documents the plan and explains these terms and some things the general public (and some doctors) don't know about health care economic facts. The author's research and understanding of real economics is sound. The plan is not perfect, but it's light years ahead of what was just passed and far superior to what was the status quo at the start of the year.
I'd like anyone interested in serious health care reform to visit my web site:
http://heyteachkp.web.officelive.com
and/or FB group:
http://www.facebook.com/group.php?gid=100317643346110&ref=ts
to see a comprehensive, Constitutional plan for health care reform.
Essential elements:
end federal involvement in health care. It's unconstitutional, inefficient, and expensive. Replace Medicare, Medicaid, and SCHIP with PRIVATE insurance. One particular plan which NO insurer is required to offer, but many will, will be eligible for a tax credit to the INSURER to cover policies for those who can't afford the full premium themselves.
Private insurance is reformed: sold across state lines, ERISA shield abolished, and "provider discounts" are ended.
Each state (but not via the government) provides a database of all legitimate providers within the state. Those providers list in standardized plain English what they charge for the services they provide. Read that again: the provider sets its price--doesn't matter if you are uninsured, would have been on Medicare, the price is the same. You can comparison shop and that means competition will help keep prices lower.
All insurance policies will be on the Net. The one (base model plan) which is eligible for tax credits to the insurer MUST cover: a physical, a follow up, an ER visit if neeed, and provide discounted prescription medications. The policy will have a deductible and an annual pay-out cap. Pre-existing conditions are eliminated as are caps on procedures. ALL legitimate providers (those in any state's medical database) will be considered valid providers and whatever the insurer says it will pay for any procedure from a legitimate provider will be covered up to the amount the policy stated it would cover. No referrals necessary.
Providers do NOT have to accept less because of being "on" the plan. They can demand payment in full at time of service, work out a payment plan with the patient, accept the check from the insurance, or lower or write off what is owed by the patient. It's their business, their decision.
There is a logical way to create more doctors and nurses without diluting quality or bankrupting anyone.
There is real tort reform--done in a way different from the examples of tort reform that exist now.
Long-term care (responsible for about 80% of Medicaid expenses) is addressed. Options are created, costs are lowered.
There is much more to the plan, but it MUST BE READ to understand it as it is unlike any other plan out there AND the majority of it is made law for only 20 years. This TRANSITION period means that at the end, unless the people want to renew it for another decade, the tax credits, forced tort reform, and more expire.
This plan has funding in it as well--and it's no new taxes. The FICA IRA will cost a handful a bit more in a FICA tax but they will also be getting 2/3rds of their tax BACK in the form of "forced retirement savings" (which will stimulate the economy). The FICA IRA will also expire in 20 years as the message will be clear: in a "modern" world, the Constitution and free markets work IF followed.
As there are FAQs and more on the regular web site, many of the questions can be answered there. This is in NO way "socialist." It will cost less--the fraud would largely disappear; the federal regulations and even state mandates for insurance are all history and they are far more expensive than the public has been told; no one gets a "free ride." People who want to be considered for financial assistance through the tax credit to the insurer have to fill out a standardized means testing form. They will pay their fair share; those in need will receive help, but it goes to the insurer so there is no "losing the check," "cashing the check," or collecting multiple checks, etc.
Anyone who wonders what happens to the very ill, as a person fighting cancer, when there is an annual cap on the insurance payout needs to look to the RIDERS section. The cap CAN be raised and would be for those with an expensive illness they are battling.
Because EMTALA is clarified, we don't have the abuse of the ER that is common now and that saves a bundle.
If terms such as EMTALA or ERISA shield are unfamiliar to you, please consider spending the $7 to buy the book that documents the plan and explains these terms and some things the general public (and some doctors) don't know about health care economic facts. The author's research and understanding of real economics is sound. The plan is not perfect, but it's light years ahead of what was just passed and far superior to what was the status quo at the start of the year.
