Proposal to republicans for better lower cost health care
1. Let’s start with the easy part. Should any person within the USA be injured in an accident of any kind the medical professionals should all know they will be paid in a timely fashion.
a. So items like below should be covered for every person
i. Heart attack
ii. Stroke
iii. Car or other accident
iv. Mental disorder/dysphoria resulting in emanate likely harm to one self or others
b. At least until the patent is in stable condition
2. Medical savings accounts should belong to patent and used at patent discretion
a. Even in the event of the patent being a medicaid or medicare
b. Some funds should be deposited each year to allow the patent to decide how it is used.
i. In short if you save this portion even thing like comedic surgery could be paid for.
ii. The rest would be for covering deductible on the major medical insurance
c. Any recognized mental disorder/dysphoria deemed a threaten to harm or death
i. Would cover surgeries regardless of other groups medical believes
ii. Providers however would be held to the same standards as the use of class 1 narcotics to utilize this funding
iii. Since these funds are the patents funds the government cannot dictate or limit on so called ‘moral grounds’ nor can it force a procedure on any patent inconsistent with their ‘own believes’.
d. These funds can also be used for experimental treatments that have passed beyond some minimal ethical standard (TBD)
i. Again providers taking patents into these experimental treatments will also be held to the same standard as providers that provide class one narcotic.
ii. The medical industry would set the standards in the ANSI tradition
e. Some annual deposit like $5k adjusted for inflation would be made every year
f. This account accumulates every year
g. These funds patent directed so long as paid only to medical professionals licensed in their state(s) of operation
3. Midway medical:
a. Extends procedures approved by industry and over seen by government consistent to ANSI traditions.
b. The legislature would not set what is covered and what is not
c. Some annual cap like $20k adjusted for inflation would be the limit
d. A provider can break a procedure into annual payments up to 3 years back
e. Should patent die before provider is repaid the provider will lose the funds.
f. This account would reset every year but not accumulate
4. Major medical:
a. This is a lifelong benefit to each patent
b. It is configured to repair the body/mind to the extent that the condition can again be treated using the 3 lower forms of insurance.
c. Each state will determine the amount of life long coverage
d. The states will receive a contribution from the federal government and be expected to match 1:1 or better.
At every level the patent will be encouraged to shop for the best balance of service, risk and cost. And be able to get desired health care in any state/territory of the United States. The anticipation of this system is that the savings account will grow over time as the major medical will shrink. The risk is that patents spending too much in their youth would risk running out of funds in their older age. That is the risk and benefit of freedom each American is tasked with.
The funds would be paid from self/employer/government would only phase in for patents dropping below some income threshold of income or do to age of patent. Only the government version of the insurance would have a required limit Self insurers and employers can enhance the coverage beyond the government minimums to any level they like.
