Sunday, September 6, 2009

My suggestion for healthcare changes

How about instead of a government plan (call it what you want it is still run by the government), why not really fix the problem of people loosing it all because of the cost of healthcare. Establish a fund that will provide a tax free and interest free fund to loan money to people who are in a situation where they can't afford to pay for their care. They could pay it back as able, when their position in life inproves the amount would have to be increased. For those who are living alone (elderly) they could pay back their care in a asset sale after their passing. For those who can't afford any means of paying back the government, you would not provide the child tax credit.
Next there needs to be a cost reduction, Tort reform would be essential in reducing cost increases. Set a cost cap for rewards (covering current and future medical care as well as cost of living changes), any punitive fees would go in to the above stated fund.
Allow federal lands to be used by those who want to start up medical facilities in the most needy communities, this would be on a cost free basis as long as that medical facility was used for medicine (not transferable to non-medical business). For those who have disabilities and get government care, allow them to earn what they want while increasing the investigation of fraud.
Pass a law that requires insurance companies to keep any patient who has a change of status unless fraud can be proven (as an example if someone gets cancer the insurance company must keep them during and after). If a insurance company has a client who is found to have had a preexisting condition that is not grounds for dropping them, a new company must take a person with preexisting conditions at the same rate as the previous company but only if the individual left the other comany because of no fault of their own (closure of the previous company).

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