Health Plan
Obama said during the state of the union if you have a better plan call me…Here my text message to him-
Here is a simple plan that is free to the government and uses 2 factors that differ the US from every other country, Capitalism and Great Business Minds:
If you think of this in a business perspective, use the Governments best asset as negotiation tool. People, the government has the ability to offer a health plan to hundreds of millions of people, there is no capitalist business ran today that would like to have access to that client list. Use it and this is how.
Government programs fail when they are ran by the government because they are in the business to govern and work within a balance budget. Capitalists business works to make the most amount of money. Let this truth be an advantage. This is how:
Open up a competition to all health insurance companies to be a government sponsored health plan. Only 3 to 5 companies will be admitted. Guidelines of who will be admitted will rely on these requirements:
PPO’s only
Co-pays range $10 to $100 per visit
Hospital Co Pay $1500 max
Subscription discount plan
Monthly premiums to start 40% less than average market price. (How)*
No more than a 3% increase over inflation rate annually.**
No discrimination or pre existing conditions***
* How- They would and could lower there prices significantly because you are giving them a boost of customers roughly 25 million government employees immediately, and again a client list of 300 million people. What capitalistic Corp. would not cut prices for that? They will be lined up at the door of the white house begging to be part of it. How can they accomplish this? Capitalistic business can accomplish anything as history shows.
** 3% increase above inflation can be expanded to 5 or 7% by giving free hmo plans to unemployed and supplements to seniors. Every million given 1% increase is allowed.
*** Instead of pre existing conditions eliminations and discrimination, give $1000 tax credit to medical professional corporations and the insurance companys for each patient that falls into healthy guidelines. Healthy guidelines can be established by surgeon general and blood tests must be taken from independent diagnostic firms, nut the company gives the results names of patients and their Dr. and Government refunds them and the doctor $1000 each. So instead of punishing the sick, reward the Dr.’s and insurance providers for pushing us to be healthy. This will give Dr.’s and Health insurances nice incentive to curtail obesity, smoking and other bad habits.
Finally, for pharmaceutical companies, control drug pricing by using governments #2 asset, regulation. Put strict guidelines on drug pricing. If companies are found abusing or not following these guidelines: 1. charge them penalties 2. remove government funding or 3. (most important and painful) remove patents. With these regultions, they will fall in line.
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What an interesting, well thought out plan you have here. I am impressed! Can you imagine if they had the insurance companies up to compete with each other? What a scandal! “No pre existing conditions?” Brilliant!
I’m going to be thinking about the possibilities of this idea. I work in the medical field so this topic really hits home. In the end, the most important thing is patient care. Whatever method leads to THAT, I’m all for it.
Thanks for this post. I enjoyed it.
I agree with Bonita! A well thought out, sensible blueprint. One thing no one can argue with is than the more profit a private company makes, the more it expands. The more it expands, the more people are hired and the ultimate result is more goods, more services.