Wednesday, December 9, 2009

Healthcare; some opinions

The Debate in the Nation about healthcare is confusing. I have spoken to many people about the healthcare Bill(s) proposed by our Congress and Senate. The Opinions are varied on the subject matter generally. There is some difficulty in defining exactly what kind of healthcare they think needs changing.
There are, to be sure, some people that feel the Federal Government needs to cover all people for everything. There are those who want insurance coverage for everyone, Illegal’s included. There are those that want the barriers to free market insurance changed. They speak of portability of coverage, arbitrary denial of coverage, variations in care depending on what kind of insurance the patient has, and the skyrocketing cost of healthcare overall coupled with less coverage, higher co pays, constantly changing physicians from the insurance companies list of Plan Providers. The Doctors would prefer cash or barter rather than wait and hope that the insurance company agrees to pay.
Let’s break down what is entailed in Healthcare. There is Preventative Healthcare which includes regular checkups, vaccinations, etc. This is like body maintenance and it includes not only physical, but also dental, optical, and mental.
There is the need healthcare which includes sickness, trauma, and sudden onset of everything, hospitalization and Major Medical.
There is also the alternative Healthcare which includes, holistic, Oriental, Natural, and Herbal. And we can’t forget witch doctors, Shamans, Voo Doo, psychic practitioners.
None of these cover elective procedures like tubal ligations, vasectomies, botox, breast implants, etc.
So tell me just what type of healthcare are you speaking of?
The Government does bear some responsibility in the current situation. After all, Legislation brought about the HMO, EPO, PPO, etc. The Constitution doesn’t include healthcare as a God given right. I would let the Government handle healthcare if they could just cure the common cold. Instead, they have Medicare, Medicaid, and the VA. Now, they want to play insurance company.
I would venture this option. Our Federal Government Passes this into Legislation. The Trial attorneys who went after Big Tobacco go after the new legislation in each area of the healthcare proposal. One test case after another until the Supreme Court Rules the entire thing unconstitutional. At the same time, as soon as this is passed, each of the 50 States invokes States rights and says no way to the Feds. This will give the general population time to decide exactly who and what changes need to be addressed immediately. My feeling is this. Use Cash for Maintenance healthcare, pay for Major Medical Coverage with no limits on what is covered and for how long (Catastrophic Medical needs). This would lessen the impact of the insurance companies on the overall cost. Public health could grow a bit and handle the maintenance issues. If the Federal Government really wants to spend 900 Billion on Healthcare issues, let them put a tax free $10Million award to the person or persons who find a cure for Cancer, Diabetes, Heart disease, MS, etc. This will let the free market fight it out and reduce the amount of healthcare overall.

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