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Elderly Care Insurance On average, the vast majority of health care costs arise in the final years of your life. This inevitability must be addressed during your healthy years in the form of insurance riders or other prepayments, much like life insurance. Preventative Care Plans Right now Americans can buy insurance plans that reward preventative care practices. Rewards for smoking cessasion, cancer screening, drinking cessasion, exercise regimes. Gap Coverage Plans Did you know that you can buy gap coverage insurance that pays you when you miss work, stay in the hospital, or encounter serious conditions such as cancer? These plans can keep your life rightside up when your health demands attention. Freedom Of Choice Some people believe that government administered health coverage (aka single payer) is a payment mechanism only and would not affect your choice or quality of care. Dream on. For those of you who believe that the government would not determine where, how, when and what type of health care you can receive our message to you is quite simple: you aren't reading congressional and presidential proposals. If you were, you'd immediately recognize that our government hopes to ration care, determine types of care, restrict care geographically, and make expendable the elderly, infirm and others they deem untreatable. Don't believe us? Read house bill 3200. |
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"Something Must Be Done" Leads to Healthcare Hell Nobody likes to pay inflated healthcare costs - insured or not. Some believe that the best way (under the "something must be done premise") to tackle this problem is to forceably make every doctor, nurse, and medical professional a government employee - and each one of us accountable to the State. Thankfully, most of us recognize the peril of such draconian tactics and simply want the system addressed, not dismantled. A few suggestions follow. Returning Healthcare to Consumer Driven Control Our insurance system has been regulated into its current structure - including the inability to port your insurance regardless of where you work. This third party payer environment both suffocates competitive forces and discourages consumers from making value based choices. What matters more to you... your out of pocket expense or the actual expense before insurance covers the care? We guess the former. Insurance Should Not Be a Cash Card Do you use your insurance card to pay for doctors appointments, medications, and minor procedures? If so, you share something in common with virtually every health insurance holder...you've come to view your insurance card as a cash benefit system without limitations. Insurance is supposed to protect you from catastrophe, not day to day issues. When you need to fix your sink do you call your home owners insurer to pay for it? No. When you need an oil change in your car do you call your auto insurance company? No. Health care should be no different. Accepting Personal Responsibility Of the so called 44 million uninsured in America, roughly 1/2 of their own free will forego purchasing insurance. Some citizens resent needing to spend money on their healthcare and look to the State for remedy while others use emergency rooms as their doctor's offices never intending to pay regardless of damage to their credit history. Addressing Gaps Many people, whether genuinely disabled, indigent, or unemployed, cannot absorb the cost of healthcare. Society needs to fill the gaps of coverage for the uninsured to help control costs for all of us. Eliminate Healthcare Lottery Even at the prospect of lowered health insurance and health care costs a large segment of Americans oppose health care tort reform. Why? Because people know that a simple lawsuit can bring a quick windfall. And since most DC politicians are lawyers our law makers lack the political will to address this problem - unless you make them. |
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"A Formidable Opponent Followed By Legions Of Devotees Has Hastened The Battle For Our Nation's Heart & Soul. Your Desire and Commitment To Her Past, Present, and Future Must Outweigh a Desire To Make Excuses For Inactivity. Pull Yourself Out of Your Comfortable Life, Shed Your Frustrations and Take Responsibility For A Nation Whose Existance Rests In The Balance."
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