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Universal Health Care can not be the answer to our problems. Other countries, Canada and Britain, most obviously, they have not done well with the attention universal health care.
Let's see what is wrong with the current solution.
* Pre-existing conditions may make no health insurance unavailable or unaffordable.
* Forty-five million people who are not covered by a plan. (That number is not certain, but we will use it for now.)
* People with health problems should pay more for coverage.
* Preventive medicine is not practiced as it should.
* Duplicate, inaccurate medical records are handled inefficiently, since they are not electronic. Too many mistakes, excessive testing, and are being misdiagnosed as result of poor quality data.
* People of view health care as a health coverage plan rather than a catastrophic insurance plan
* Third -pay system instead of the parties. When you go to hospital for an operation, do not check the bill you receive when you take a look. Why? Do not mind. It's not their money. An insurance company, a third party has paid the invoice for you.
If I were the person in charge, this is what I suggest:
If you choose an insurance plan within a specified period of time, pre-existing conditions would not be considered. For example, when you turn twenty-one, which need to buy your own health plan. We use the age to determine the price of the premium. There is no doubt that older people use more services health than younger, healthier people.)
* We can argue about how many people are uninsured, but whatever the number is, everybody has to be covered. Sample blog of a friend than the real number is closer to 11,260,150 only 3.75% of the U.S. population, about 16% do not agree with the political left.
* All children up to the age of twenty would be covered by the plan would cost about $ 20 per month per child. (The illegal aliens would be required to buy their own insurance coverage to the same rates as U.S. citizens).
* HSA (health savings account plans type, also called health plans high deductible) would be the only type of plans available. Catastrophic plans must address preventive medicine. Free annual physical examination would be provided. This breadth and depth of the physical examination is determined by the doctor. I would say that the HSA-type plans have a deductible in the range of $ 3,000 for an individual and $ 6,000 for a family. Certainly, these numbers may be different, but they must be high deductibles. After have paid the deductible, the insurance company covering 100% of costs. All covered expenses go toward meeting the franchise? including medicines.
* If you compare what people want in their health plans for what you get with your auto insurance, you will see the difference. Your auto insurance has no oil changes, changes tires, car washes and other related items. Auto insurance simply helps pay for a catastrophic event – a car accident. Plans health must be catastrophic in nature, but after paying the deductible, then the company, 100%.
* All people, whether they are These health issues or not, you pay as premium.
* All medical records would be required to be electronic. There will be a medical database that all doctors and hospitals will be available containing health conditions, health history, medications and other medical-related data.
* Dispose system of a third party payer.
What if approving the plan of government?
"The new government health plan that many political support could compete with private plans. The government will establish the benefits, bonuses, commissions and fees to pay.
The Lewin Group estimates that more 118 million people will travel with the plan of government almost overnight, resulting in more than 2 out of 3 Americans in a government plan. The reason for this dramatic change is that the Government will continue to use the Medicare payment rates so that premiums would probably be 30 percent cheaper than existing plans.
With more Americans under a government plan, the attention of the health system costs would shift from the government program to private plans. As a result, premiums private soar, private health insurance affordable for most. Clearly, more affordable government plan can have devastating effects in particular and plans group insurance. "Blue Cross and Blue Shield of South Carolina.
If you wonder if this will happen to the U.S., just consider how well the government has the USPS. The United States Postal Service is not even close to being as efficient as FedEx, UPS or any private companies. They are continually raising the cost of sending letters and packages worldwide.
Another mistake of the government: Medicare is said to be insolvent. Study Claims Medicare Debt Will Rise $ 32.4 billion
Social Security is in crisis.
If you still wonder what might happen if we choose to universal health care, look no farther what is happening in Canada and Britain
Everyone has a fundamental interest in health reform, and it is important that our voice heard.
About the Author:
Do you think that universal health care is the answer? Don’t jump too quickly into what has not been very successful in other countries. Consider the solutions put forth here. Also, you can purchase a high deductible health plan for about 50% less.
Get a Blue Cross Blue Shield quote at RichDayHealthPlans.com
Article Source: ArticlesBase.com – Universal Health Care? NO!
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