One
of the first things on President Trump’s agenda is repealing and replacing
Obamacare. Obamacare never had a chance
of working. If left alone, it will eventually
implode on its own. Obamacare must be
repealed and replaced.
Liberals
knew Obamacare never could succeed. They
planned on replacing it with single-payer, and later government provided health
care. Everyone would then have
sub-standard health care except for the super rich and political elite.
The solution for affordable health
care is simple.
· Catastrophic major
medical insurance with one lifetime deductible for any illness or accident
· Eliminate discounting
– An insurance provider should never pay less than someone paying cash.
· Medical savings plans
so people can control and pay for their routine and preventive health
care.
· Eliminate all first
dollar billing and communication between the health care provider and the
insurance company.
The
solution is that simple, the problem is implementation. Since the medical savings accounts do not
exist now, it must be phased in over decades.
I
have an acquaintance whose 26 year old son became a quadriplegic in a diving
accident. He had insurance, but his
parents had to come up with $86,000 to get him the rehab he needed. His insurance company still has not paid his
hospital bill. They claim the hospital
was not in their system.
The
insurance company quit selling insurance in the state and dropped his coverage. He now has guaranteed insurability, but
insurance companies get around this by saying they only want group policies and
don’t want to write individual policies.
Private
charity has been great and hopefully this young man and his parents will be
okay with no thanks to the medical insurance provider or the government. We have to understand that medical insurance
and health care are two separate things.
Medical insurance in today’s system does not guarantee good health
care.
With
the system I proposed, parents could buy a major medical policy on their infant
child to guarantee insurability for a very reasonable price. When that child starts to work, the medical
savings plan is started. Now the child’s
parents and later the adult child have control over his or her health care and
protection for any catastrophic accident or disease.
This approach is the most
effective in the long run, but the problem is the transition. We have gotten ourselves into a medical
insurance/healthcare mess over the last sixty years. It is not easy to fix.
God
bless America America
