Swimthelanguage

Our administration and representatives are negotiating the terms to take over our health care system, in the belief that it is too expensive, and will cripple our economy if the costs are not controlled.? The human element is the plea to cover people that do not have insurance, so they will have access to the best?care money can buy.

Rather than plow ground that has been plowed by writers more gifted than I, my focus is how to provide health care to uninsured citizens.? If this is a national priority, let’s not destroy the health care system that stands between us, and the grim reaper in the process.

As a former County Commissioner, I had the responsibility to oversee and fund the county health department.? This health care facility provided basic services to many who could not afford (or chose not to pay for) access to private?care.

County health departments exist throughout the nation, working quietly to benefit society’s poorest citizens.? Free or reduced price, health care is already being provided depending on your ability to pay.

The present discussion is about building a new bureaucracy and restricting health access for everyone.? Why not increase the funding for County Health Departments around the nation?

In exchange for this added charitable benefit, the uninsured could only be treated at hospital emergency rooms after hours, and only if hospitalization was required.? Hospitals would bill the county health department for any services provided, at the lowest negotiated group network price.? Hospital emergency rooms would no longer be required to accept anyone who walked in their door.

Funding should be allocated by population on numerical bases, and disbursed to each congressional district.? The Federal Government’s role would end at this point.? Each Congressional District would have a local board, composed of one commissioner from each county.

These district boards would be responsible to distribute the funds to each County Health Department for the best impact in their area.? County Health Departments would have to expand to enhance services, but continue to provide basic health services for the uninsured or poorest citizens.

To access these services, citizens would have to:

Prove citizenship (are we going to provide free health care to THE WORLD?) File a copy of last year’s 1040 (verifies income) Prove residency (avoids shopping location) Develop other local regulations sensitive to local voter wishes.

To increase insurance participation, let individuals deduct insurance premiums up to $3,600 per head of household, and $2,000 per dependant on their federal taxes.? Let companies deduct insurance benefits on the same schedule.

Require insurance companies to accept citizens with pre-existing conditions.? This would have two caveats:

90 day exclusion period if the pre-existing condition was not covered by insured’s previous policy, or if they did not have insurance. Citizens would not be able to “insurance shop” for better coverage on pre-existing conditions.? Previous coverage would apply for 90 days on any pre-existing condition.

In exchange for society offering this benefit, health care has become a responsibility to everyone.? If society is providing “free” care to the poorest citizens, then those that can afford health insurance must be required to:

Purchase basic insurance in the open market, or Pay an insurance surcharge on their federal income tax return of 25% the maximum health insurance deduction available to those that buy insurance.

With this health reform plan, we accomplish a few beneficial goals, and avoid some the worst outcomes.

The costs are clearly stated in the federal budget, as a transfer to congressional districts for health care. We stop health care for non-citizens. We eliminate cost shifting onto insurance premiums. The health care benefit is restricted to county health departments, and basic health care.

This benefit is not intended to grant access to the “best health care money can buy” for everyone, but to put in place a safety net under our poorest citizens, until they get back on their feet and can afford the health care they would like for themselves and provide for their families.

Some may have a concern about the exclusion of non-citizens in our coverage by the nation’s taxpayers.? If a non-citizen seeks medical assistance at any county health department or hospital, they must first sign an “agreement to deportation” document.

After being treated, they will be immediately deported by the County Sheriff.? The county health department will fund the cheapest transportation to a hospital in their home country.

A few general points need to be emphasized:

Health care is expensive because of government expanding coverage to new illnesses: i.e.: alcoholism, mental illness. Health care is expensive because of tort lawyers. Health insurance is expensive because of low deductibles.
Addressing these three issues will slow the growth in health care costs. Removing non-payers from the health care system will eliminate cost shifting, lowering health care costs to everyone.

Medicare and Medicaid should be required to pay the lowest negotiated network price for any services.? This would further reduce the cost shifting that currently distorts the market.? It also sets reimbursements at a localized cost rate, rather than a one-size-fits-all standard.? It takes the power away from the government to promise more and pay less by force.

A side note:

If Oh! Bama is successful in gaining a public option for health insurance; it must be a standalone agency without any support from taxpayers.? Wouldn’t it be fun to watch bureaucrats try to compete with private insurance companies?? I always laugh when politicians say the government needs to “keep the insurance companies honest.”

Government subsidies should be equal to the “premiums” they do not collect from citizens covered.? In other words, only the premiums would be subsidized by the government.? The public option (government bureaucracy) would have NO legislation that tilted the playing field for them to compete.? They would have to negotiate fees with health care providers, just like everyone else.? If they did not pay fairly, providers could choose not to do business with them.? With an absolute wall to legislation or money, this charade would be over quickly and we could return to a free market.

Universal Health care is a type of government created system in which every citizen of a country is given access to various forms of medical care, even if they don’t have the resources to pay out of pocket. While the citizens may be able to pay for some services out of pocket, much of the money for Universal Health care will come through taxation or insurance. One of the first countries to institute this form of medical care successfully was Germany under Otto Von Bismarck. However, the very first Universal Healthcare program was created in Great Britain.

Some of the other countries which offer Universal Health care include Australia, France, and Italy. Virtually every industrialized nation currently offers some type of Universal Health care except for the United States. While the definition of Universal Health care largely remains the same, the actual structure of this system will vary from one country to another. The system also varies in terms of how much the government is involved. For example, while some nations allow private doctors to offer their services, other countries do not. In the United Kingdon, doctors can choose to offer services which are outside the government system, but Canada has more restrictions on their medical services.

It is important for readers to realize that Universal Health care is a very wide concept. There are a number of ways in which such a system can be utilized. However, the most basic factor in implementation involves the process of allowing all the citizens within a nation to be given access to health care for an affordable rate. Because implementing such a system requires a large amount of money, many governments tax their citizens in order to fund it. The government also decides how the care must be administered, and who is allowed to receive certain types of care. While many countries use taxation to fund this health care system, the patient may still be required to pay a relatively small fee as well.

Because the Universal Health care system has worked so well in many countries, some citizens and politicians in the United States have proposed the introduction of such a system in their own country. American proponents of Universal Health care are quick to point at the rising cost of commercial insurance as evidence that Universal Healthcare would work. Indeed, the cost of health insurance in the United States has become so high that millions of Americans go without health insurance each year, and should they become sick or injured, the cost of medical care could cause them to go into bankruptcy.

Proponents of Universal Health care argue that the utilization of their system would make it more affordable for all Americans to afford healthcare, and millions would not need to go without medical insurance. While the United States does not currently have a Universal Health care system, the government does provide health care for certain segments of the population, such as veterans, the disabled, senior citizens, or those currently serving in the military.

However, it is important to note that Universal Health care is not without its opponents. Those who oppose Univeral Health care often raise questions as to who would pay the most in taxes for such a system. These people argue that depending on the rate of taxes to be charged, many of the same people who currently can’t afford medical insurance would be hard pressed to pay taxes for a Universal Healthcare system. If the taxes are too high, they argue, then the rich would suffer the largest tax burden, but this is the very same group that is the least likely to need Universal Health care in the first place, since they can afford to pay for private health care.

Many high income American citizens are opposed to Universal Healthcare because they feel they will be forced to pay for something they personally don’t need. In addition to paying for their private medical insurance, they would then have to pay taxes for Universal Health care, a service they would not likely use. Opponents of Universal Health care also argue that there are Constitutional issues that come into play. They argue that the 10th Amendment of the U.S. Constitution makes it clear that any powers not granted to the American government in the Constitution must be decided by the states.

Opponents therefore argue that the 10th Amendment demonstrates that only the U.S. states have the power to decide on the issue of Universal Health care, not the Federal government. However, proponents of Universal Health care counter this by saying that the system has worked successfully in other industrialized nations, and if it works there, it can work in the United States as well. One thing that is certain is that there are strong arguments on both sides of the fence, and only time will tell which side is correct. It should also be noted that about 15% of U.S. GDP goes toward health care payments, and this is the highest of any country on the planet.

It should also be noted that over 80% of the U.S. population already has some form of medical care, whether through their job, the government, or a private company. This has led some opponents of Universal Health care to claim that such a system isn’t needed, since only a small percentage of the U.S. population doesn’t have health insurance. However, proponents argue that while 80% of Americans may have some form of coverage, the 20% who don’t is too much. When you consider the fact that 20% of the U.S. population would be around 60 million people who don’t have coverage, it becomes hard to argue with this point.

It should also be noted that the cost of health care in the U.S. is one of the fastest growing phenomenons in recent history. In fact, the rising cost of healthcare is even rising faster than the general rate of inflation. From 2001 through 2007, the rate for family health insurance premiums rose by more than 70%, which is unprecedented. Aside from a government based program for Universal Health care, many cities and states in the U.S. are already in the process of implementing their own Universal Health care plans.