Comments on: Maybe we should call it ‘freedom’ health care http://www.healthinsurance.org/blog/2009/05/19/maybe-we-should-call-it-freedom-health-care/ Wed, 21 Jul 2010 00:01:29 +0000 http://wordpress.org/?v=2.9.2 hourly 1 By: John Palys http://www.healthinsurance.org/blog/2009/05/19/maybe-we-should-call-it-freedom-health-care/comment-page-1/#comment-480 John Palys Mon, 20 Jul 2009 19:21:08 +0000 http://www.healthinsurance.org/blog/?p=169#comment-480 6. Central payer system: The Central payer would be a PRIVATE ENTITY auditable by some citizen committee and/or UGH!, the Government. The Central Payer (Insurance Consortium?) would get paid by taking a percentage of the invested return on the Health Care "premiums". They would NOT be able to refuse payment for any reason unless you have exceded your lifetime cap, or the procedure was not inlcluded in the level you signed up for, ie: BASIC, INTERMEDIATE, or ADVANCED. Each citizen has $xxx,xxx,xxx.xx amount to spend over their lifetime depending on care package selected (Actuaries in the business or some group could figure out what this figure is and premiums are based upon that). They would have to charge REASONABLE rates for running the CENTRAL PAYER system. This could be determined easily prior to selecting who it would be. How payments are made: I get the bill from the provider(s). I check them and decide/argue with them over costs(I'm not paying $50.00 for qtips!!) - Then once we agree, Provider sends bill again, then I sign and send to payer who pays and deducts from my "account". End of story. 7. If I wish to spend my $$$ on natural herbs, accupuncture - even if health care person is "not accredited", that's my decision. Period! It reduces what I have left and if and when I run out - too bad, I'll have to pay for it myself or not receive services. 8. If you are out of "credits" bcause you used it up, too bad. Buy it yourself privately, or convince someone to give you some of their credits. 9. We should be able to transfer some of our credits to another persons account. This would allow members of a group or church to help smeone out in need who needs some procedure covered that they normaly woudn't get, ie: BASIC coverage - enough concerned folks could designate their transferred credits could be used for a SPECIFIC CONDITION or WHATEVER service. 10. This is my favorite part - The government cannot spend/"borrow" any of the funds!!! 11. In good years the investments of the fund could either be used to adjust premiums for inflation, a portion refunded back to each payer (an incentive to join), or be applied to "recharge" or increase your credits, or some combination thereof. I think if this type of plan were discussed, maybe we could get something better than what's being rammed down our throats. Your thoughts? John Palys 6. Central payer system:

The Central payer would be a PRIVATE ENTITY auditable by some citizen committee and/or UGH!, the Government.

The Central Payer (Insurance Consortium?) would get paid by taking a percentage of the invested return on the Health Care “premiums”. They would NOT be able to refuse payment for any reason unless you have exceded your lifetime cap, or the procedure was not inlcluded in the level you signed up for, ie: BASIC, INTERMEDIATE, or ADVANCED. Each citizen has $xxx,xxx,xxx.xx amount to spend over their lifetime depending on care package selected (Actuaries in the business or some group could figure out what this figure is and premiums are based upon that).

They would have to charge REASONABLE rates for running the CENTRAL PAYER system. This could be determined easily prior to selecting who it would be.

How payments are made:

I get the bill from the provider(s). I check them and decide/argue with them over costs(I’m not paying $50.00 for qtips!!) – Then once we agree, Provider sends bill again, then I sign and send to payer who pays and deducts from my “account”. End of story.

7. If I wish to spend my $$$ on natural herbs, accupuncture – even if health care person is “not accredited”, that’s my decision. Period! It reduces what I have left and if and when I run out – too bad, I’ll have to pay for it myself or not receive services.

8. If you are out of “credits” bcause you used it up, too bad. Buy it yourself privately, or convince someone to give you some of their credits.

9. We should be able to transfer some of our credits to another persons account. This would allow members of a group or church to help smeone out in need who needs some procedure covered that they normaly woudn’t get, ie: BASIC coverage – enough concerned folks could designate their transferred credits could be used for a SPECIFIC CONDITION or WHATEVER service.

10. This is my favorite part – The government cannot spend/”borrow” any of the funds!!!

11. In good years the investments of the fund could either be used to adjust premiums for inflation, a portion refunded back to each payer (an incentive to join), or be applied to “recharge” or increase your credits, or some combination thereof.

I think if this type of plan were discussed, maybe we could get something better than what’s being rammed down our throats.

Your thoughts?

John Palys

]]>