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Is Universal Health Care The Answer? by Richard Day

Universal Health Care puts an unsustainable load on our economy. Be sure that you understand how well other countries have done with that solution before you recommend it for the US.

Let's look at what is wrong with the current solution.

* Pre-existing conditions can make health insurance unavailable or unaffordable.
* Forty-Five million people are not covered by a plan. (That number is not true, but we will use it for now.)
* People with health issues must pay more to get coverage.
*Preventive medicine is not practiced like it should be.
*Duplicated, inaccurate medical records are inefficiently handled because they are not electronic. Too many mistakes, excessive tests, and misdiagnosis are being made as a result of poor quality data.
* People view health care as a health coverage plan instead of a catastrophic insurance plan
* Third-party pay system. When you go to the hospital for an operation, you don't check the bill you receive when you check out. Why? You don't care. It's not your money. A third-party, the insurance company, has paid the bill for you.

If I were the person in charge, here's what I would suggest:

* Pre-existing conditions cannot be considered, as long as you opt-in to a plan within a certain period of time. For example, when you turn twenty-one, you need to purchase your own health plan. We would use attained age to determine the premium quote. (Obviously, as people age, they use services more than younger, healthier people.)
* We can argue about how many people are uninsured, but whatever that number is, everyone has to have coverage. A friend's blog shows that the real number is closer to 11,260,150 only 3.75% of the population of the US, not the near 16% according to the political left.
* All children up to the age of twenty-one would be covered by plan that would cost about $20 per month per child. (Illegal aliens would be required to purchase their own insurance coverage at the same rates as citizens of the US.)
* H S A (health savings account type plans, also called high deductible health plans,) would be the only type of plans available. Catastrophic plans should address preventive medicine. The free annual physical examination would be provided. This extent and depth of the physical exam would be determined by the doctor. I would suggest 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 can be different numbers, but they need to be high deductibles. After the deductible is met, the insurance company would cover 100% of the costs. All covered expenses go toward meeting the deductible including medications.
* If you compare what people want in their health plans to what they get with their auto insurance, you will see the difference. Your auto insurance doesn't have, oil changes, tire changes, car washes and other related items. Auto insurance simply helps you pay for a catastrophic event - a car wreck. Your health plan should be a catastrophic coverage plan that pays 100% after you have met your high deductible.
* All people, whether they are dealing with health issues or not, will pay the same premium.
* All medical records would be required to be electronic. There would be a medical database that all doctors and hospitals would be able to access that contains your health conditions, health history, medications taken and other related medical data.
* Get rid of third-party payer system.

What will happen if the government plan is adopted?

"The new government health plan that many politicians support would compete with private plans. The government would set benefits, premiums, commissions and payment rates.

The Lewin Group estimates more than 118 million people would shift to the government plan almost overnight, resulting in more than 2 out of every 3 Americans in a government plan. The reason for this dramatic shift is that the government would continue to use Medicare payment rates, so premiums would likely be 30 percent less expensive than current plans.

With more Americans under a government plan, health care system costs would shift from the government program to private plans. As a result, private premiums would skyrocket, making private health insurance unaffordable for most. Clearly the more affordable government plan could have devastating effects on private individual and group insurance plans." Blue Cross and Blue Shield of South Carolina.

If you wonder if this will happen to the United States, just consider how well the government runs the USPS. The United States Postal Service is not even close to being as efficient as FedEx, UPS or any of the private firms. They are continually raising the cost of sending letters and packages around the world.

Another government mistake: Medicare is said to be insolvent. Study Claims Medicare Debt Will Rise $32.4 Trillion

Social Security is in a crisis.

If you further wonder what is likely to happen if we choose universal health care, simply look at what is happening in Canada and Britain

We all have a critical stake in health care reform, and it is important that our voice is heard.

Are you unhappy with your health care plan? 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. While you are waiting for a solution, consider the solutions put forth here. Also, you can purchase a high deductible health plan for about 50% less.

Article Source: http://www.earticlesonline.com/Article/Is-Universal-Health-Care-The-Answer-/554667

universal health care debate?

My class is doing a debate on medical universal health care. The pros and cons and everything in between.
I am on the side that is against it.
What are some of the pros and cons of Universal health care.

We know the arguing side will argue that everyone should have the same health care.
What kinda of insurance is affordable for everyone? for each Class- low upper, and middle

We need to have strong facts to argue and questions to ask the arguing team.
The goal is to convince the teacher if it's a good idea to have universal health care

Health care is a limited resource, someone will need to control how much is used.

With universal health care, the government controls the amount of care given based on the amount of burden the tax payer can withstand. Also, people have no cost association with the services they receive. People will have the tendency to use the so called free medical services frivolously, causing more rationing of services.

Private insurance based care has a cost dissociative pitfall as well. People pay insurance premiums and expect to have unlimited care for every frivolous issue that arises. Health care providers have a tendency to run extra tests because the individual doesn't realize the cost that is being placed on the system. Doctors also use these extra tests to shield themselves from lawsuits. The insurance companies must ration its covered cost in this system or raise rates it charges. When rates increase a potion of the population falls out the bottom and are not able to afford the extra cost.

In the private payer based system, the health services are rationed by the persons ability to pay. There is no cost dissociation, because everyone knows how much the services they receive costs. In this system people will forgo preventive care to save money in the short run only to cost more latter.

The only real answer is to make people aware of the cost of the services they receive and give them the safety they need in a catastrophic health crisis. Only this will give people the power to control health care costs and their own lives. Bottom line, people need to feel the consequences of poor choices for any system to work. No pain makes it worse, to much makes an unhealthy society.

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This entry was posted on Sunday, April 11th, 2010 at 12:37 pm and is filed under Medical, Mobility and Special Needs. You can follow any responses to this entry through the RSS 2.0 feed. Both comments and pings are currently closed.