Posted on 08/18/2017 11:29:21 AM PDT by Brian Griffin
“Medical insurance is an economic transaction, and it should be up to the customer and the insurance company what is and what is not included.”
If you see my home page here, that is what I have advocated and still do.
However, once the federal government subsidies coverage, then rigid rules are needed for subsidized coverage.
The Comcast Cable and McDonald’s Food Plan need not apply for federal subsidy listing.
And if people had to pay for their elective office visits, check-ups and drugs there just might be fewer needless procedures done, unnecessary drugs prescribed, and fewer people being addicted secondary to injury-probably fewer frivolous lawsuits with runaway juries, too...
“let the market solve the problem”
The problem mainly is the federal government Article I, Section 8 patents that make drugs expensive and account for ~80% of the pre-existing condition problems.
If the federal government doesn’t cough up the bucks to keep Mr. Drug User supplied with patented drugs and alive, some leftist judge will Roe v. Wade the federal patent system for drugs.
In 2012, the Chinese government declared drug patents to be allowable only in the national interest - i.e. the patented drugs generally had to be sold below cost of possible pirate copies.
“people had to pay for their elective office visits, check-ups and drugs”
For 80%+ of covered adults, each office visit will have a substantial cost both in a co-pay and a loss of rebate money.
Many young men won’t retain the office visit coverage.
Here’s the question:
Whatever your plan is. Whatever it covers, or doesn’t. Whatever the re-insurance mechanism is, or isn’t.
Will you allow non-payers to be turned away, and will you allow non-payers who get less than payers do to sue?
“Too Complicated.”
I’ve tried to make a system that works well without annual $750 failure to purchase penalties.
You forgot old, black, women,kids, .... they all have elevated risks to costs.
I have an idea why don’t we get the government out of healthcare retirement and income redistribution. Let people keep what they make.
I don’t think it will only be young men who don’t buy that-I realize not everyone wants to live a natural lifestyle-without processed food or any drugs, doc visits only for real illness or injury, etc-but there are a lot of people like me out here who do just that-we pay concierge for minor emergencies, elective stuff, etc, too. I’d like to see insurance that would pay for some natural remedies to be tried before drugs for those of us who chose that-it is probably safer and certainly less costly.
The only 2 doc-in-the-box places in this county that have stayed in business have both a D.O. who is into naturopathic cures and an acupuncturist on staff-both places are owned by the same Chinese doc. The only surviving drugs-all-the-time clinic is being closed and investigated for overprescribing psychotropics and opiates to doctor shoppers and others-talk about using the insurers for an ATM...
I couldn’t agree more-as soon as everyone realized that we’re not all going to die because the govt is not holding everyone hostage, they would calm down and like it...
I’m technically “old”-and I don’t take drugs or go running to docs-even people in their 80’s run their own ranches and businesses here-so the “old” in BFE aren’t elevating risks and costs-but you don’t see many overweight people of any age out here either...
Then they have not had any major illness or incident.
Medicare is the VA on steroids
There is fraud. How about reimbursing your doc twenty dollars for a visit? Or limiting what tests can be done? Or how many days you can be in hospital?
Medicare under pays horribly. It is why so many docs no longer take such patients
Tricameral is NOT Medicare. You are ignorant to say they are the same
And any democrat who wants government controlled single payer can go join the commies in Europe
Medicare is nothing but a racket and a hog trough for a chosen few-and not only to you pay into it all your working life, you continue to pay in after 65 via deduction every month from your SS check for the premium. I have Medicare with Tricare as my secondary-Tricare is very careful about keeping you from being screwed, even if Medicare is not, and will tell the insured person if they are being scammed. However, I’ve never used either one, don’t intend to unless I’m dying-if I want something elective, I’ll pay concierge as I always have-it is way, way cheaper, I get personalized service and there isn’t a book of paperwork that puts my info out there...
I’m not rich-just a working class person with a working class income living in a rural area with the same class of people...
Understand completely
Tricare is gor service members.
Thank you for your service
Actually, MrT5 was career military-so Tricare/Tricare for life are my benefits as surviving spouse of a service member-and he always appreciated being thanked for his service. One of the underwriting agencies of Tricare also underwrites a part of the secondary insurance retired LEO’s and firefighters in some cities get as a benefit-my guy-a retired LEO working now as a private consultant-has it. They are just as vigilant as Tricare is in protecting the insured from being cheated or scammed.
“Medicare is nothing but a racket and a hog trough for a chosen few”
Medicare works well for most covered persons.
There is fraud in the billions, perhaps about 1 to 2% of the total program outlays.
This fraud is generally done by people with money and it could be recovered often if companies could get a paid a percentage of recovered amounts, payable by the fraudsters.
“Will you allow non-payers to be turned away”
Deductible collection will be up to the providers, doctors, hospitals etc.
As for premium payments, from my standard plan at my home page:
“POLICY PAYMENT PROVISIONS
“Unconditional state/hospital premium payments, partial or full, [to subsidize or prevent loss of coverage] shall be accepted by ‘insurers’.
“A coverage provider may otherwise discontinue coverage if any amount in excess of $60 for a policy is then more than fifteen business days late.
“A coverage provider may loan premium payment money to their policy holders whose coverage they may otherwise terminate at an interest rate not to exceed the IRS rate and with all other financial impositions not to exceed $20 per premium payment amount due not timely made.
“After 2018, deposits may be made, up to a total of 13 times the policy’s monthly premium (less the last federal subsidy received on the policy under this act) with the ‘insurer’, as the ‘insurer’ and Secretary of HHS shall specify.
“Each such deposit shall be held in trust for the ‘insurer’ (and for the depositor, after the policy term,) and shall not be subject to non-federal garnishments of any kind.”
I know almost none of you like proposals of more than one page, but I have made multi-page proposals so you can find out my thoughts on a subject.
“How about reimbursing your doc twenty dollars for a visit? ....
Medicare under pays horribly. It is why so many docs no longer take such patients”
My proposal only limits what the covered person would pay, not what the doctors get paid:
“all but Part B amount co-insurance of the first $1,200 (based on Medicare pricing)”
That $1,200 of Medicare equivalent care might actually cost a total of $1,600, with the covered person paying a total of $240 and the insurer paying $1,360.
If in your area, the insurer share would cost $1,550, then expect to pay higher premiums than in most of the rest of the nation.
If you were a woman running a doctor’s front desk, you would not want to spend two minutes finding a particular insurer’s patient payment share amount book and then another two minutes finding the proper amount for the service.
I piggyback on Medicare rules to save people time and needless aggravation.
“I have an idea why don’t we get the government out of healthcare retirement and income redistribution. Let people keep what they make.”
Doors and dinner plates of places where children live and eat might bear this notice:
By taking food, medical care and housing that we have worked hard to pay for, you agree to provide for our food, medical care and housing costs once we reach age 65.
Doors of places where children might go to school might bear this notice:
The Red Wing School District no longer provides “free” education. Please ask your parent or other older person to pay tuition in exchange for support in their old age. The current market rate runs about $2/month after age 65 for each month of schooling. People who live debauched lifestyles reasonably expect about $4/month since they will die sooner.
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