Originally Posted by coaster
I haven't addressed it because this is the first it's come up. I don't have a ready answer. Please tell me what you think. My own opinion is that I do NOT want the government making those decisions. What do you think about insurance companies being allowed to sell supplemental policies for experiemental procedures and such?
Also, I'm interested in your proposal of flipping the catastrophic and basic. Can you draw up something that details how it would work; the advantages over the present system in how it would reduce cost while at the same time giving universal coverage and universal access. Post it here or pm it to me. Thanks!!
Yes, I do think that supplemental policies for care not covered by the national health care system is a good idea. However, I think adding a third section to your plan (mandated universal basic coverage by a single private insurer in a each region, national catastrophic care, and optional supplemental care for anything not covered by the previous two system) would make it even more complex.
So, my ideal plan ...
General tax revenue (progressive taxes) pay for a National Health Care Service. The National Health Care Service pays for and administers all general practitioner care, routine pharmacy, hospice, reproductive (birth control and maternity but fertility treatments limited to sperm counting, infertility diagnosis and artificial insemination), dental, vision and emergency care (car accidents, gun shot wounds, unexplained passing out, ongoing heart attack, ect). I absolutely do not have the details figured out for what else would be paid for and administered by the National Health Care Service. Patients pay nothing at the time of treatment to use the National Health Care Service. This is all payed for out of general revenues. There are specific limits to care, set by the legislature in broad outline and the National Health Care Service in detail. Again, this is these limits are the hardest part of the system to implement, but hopefully, with the next part, people will be okay with limits, as a way to keep their taxes down.
All citizens may also purchase health insurance. Health insurance cannot pay for any services provided by the National Health Care Service, but otherwise can be any system that the insurance company and the customer agree upon. I have no particular suggestion on how the risk should be bundled (usually currently bundled by employer, which is extremely problematic).
This system will lower costs by 1) removing the paperwork and middleman in routine care 2) increasing the amount of preventive care given to Americans (therefore treating things before they become expensive problems) and 3) reducing the amount of expensive care given to American citizens. The total health care costs may still be higher than that in other countries, because Americans will probably still want lots of end-of-life and low-probability of success treatments. However, people who don't want to participate in this high-cost system will not have to pay these costs.
My "how to make my health care work in American right now" plan ...
If I was going to move to Seattle, I'd simply join Qliance
and get an (extremely) high deductible health insurance. However, I'm going to lose my current health insurance and move to Chicago, so I'm planning on looking for a general practitioner who has an office organization set up to have cash customers, and purchasing an (extremely) high deductible health insurance plan. I hate hate hate health insurance as it's currently structured in the United States. I participate as long as someone else is paying (and I actually don't have a choice in the matter right now), but I want to kill the current system of insurance in the US.