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If we get rid of Obamacare, we will be back where we were. I think Obamacare was not the right way to go, but we do need to reform how health care is handled. A few suggestions I came up with:
Insurance premiums tax deductible. I think having insurance benefits everyone. I would not only like to see medical insurance premiums tax deductible, I would like to see all insurance premiums tax deductible.
Insurance sold across state borders. Why should an insurance company be required to incorporate a separate entity for each state.
Whatever company has coverage when a condition arises should cover that condition as long as it exists.
The government should provide reimbursement to an insurance company when the costs of a condition reaches a certain point ($500,000?). There are some conditions that are so expensive that no one company could handle the payments.
Offer varying amounts of deductibles and co-pays. I keep the cash to pay my annual deductible in a CD. It has been quietly earning interest years. I have always been able to pay the deductible each year without accessing my 'backup' money.
Let people buy the coverage they want rather than offering a 'take it or leave it' package. I am of the age where I don't need maternity care - why should I pay for it? When I was young, my main concern was coverage for a condition that would leave me disabled. I wanted more accident coverage than anything else. Now, I am more interested in coverage for expensive, chronic conditions.
We should replace it with single-payer system like the rest of the advanced world has. They have far lower healthcare costs and much better results.
Obamacare (ACA) was a good start in it's original form, but all of the appeasing of the right turned into nothing, which was their stated goal from the get-go. They were more interested in making Obama's program a failure, than they were doing the will of the people.
If we get rid of Obamacare, we will be back where we were. I think Obamacare was not the right way to go, but we do need to reform how health care is handled. A few suggestions I came up with:
Insurance premiums tax deductible. I think having insurance benefits everyone. I would not only like to see medical insurance premiums tax deductible, I would like to see all insurance premiums tax deductible.
Insurance sold across state borders. Why should an insurance company be required to incorporate a separate entity for each state.
Whatever company has coverage when a condition arises should cover that condition as long as it exists.
The government should provide reimbursement to an insurance company when the costs of a condition reaches a certain point ($500,000?). There are some conditions that are so expensive that no one company could handle the payments.
Offer varying amounts of deductibles and co-pays. I keep the cash to pay my annual deductible in a CD. It has been quietly earning interest years. I have always been able to pay the deductible each year without accessing my 'backup' money.
Let people buy the coverage they want rather than offering a 'take it or leave it' package. I am of the age where I don't need maternity care - why should I pay for it? When I was young, my main concern was coverage for a condition that would leave me disabled. I wanted more accident coverage than anything else. Now, I am more interested in coverage for expensive, chronic conditions.
" we will be back where we were."
Instead of asking question which cannot be answered at this time, why don't you wait and see?
If we get rid of Obamacare, we will be back where we were.
You mean, before where I could carry just a catastrophic plan for 50-100 bucks a month and it covered me for all real expensive procedures, illness, disease, etc... and even had an experimental drug/procedure option? Then I took care of all my basic and medium based issues out of pocket?
You mean, before where I could carry just a catastrophic plan for 50-100 bucks a month and it covered me for all real expensive procedures, illness, disease, etc... and even had an experimental drug/procedure option? Then I took care of all my basic and medium based issues out of pocket?
You mean that place we were before?
The one where someone with diabetes or prior history of a health issue that is 100% better now, but they either cannot get insurance because no carrier will accept them, or they pay $1800/mo for a single person plan because they are high risk and that's the only way they can get insurance and if the $1800/mo carrier cancels their coverage, no other carrier will take them.
Or the one where you are healthy and always have been healthy. You have an individual insurance plan one day and everything is perfect. (You don't get it through your employer because you are self employed running a small business). Then you get cancer and 2 months later your insurance plan won't renew your policy during the annual re-enrollment period. They don't want you now that you have cancer. No other insurance carrier will cover you and you are now uninsurable and you're in the middle of chemotherapy/radiation for another few months. You cannot afford the $50,000 worth of treatment that is still necessary to save your life.
You mean, before where I could carry just a catastrophic plan for 50-100 bucks a month and it covered me for all real expensive procedures, illness, disease, etc... and even had an experimental drug/procedure option? Then I took care of all my basic and medium based issues out of pocket?
You mean that place we were before?
Or the place where I was a 22 year old who was denied health insurance due to preexisting conditions, only to be diagnosed with stage IV cancer (unrelated to preexisting conditions) several months later after I thankfully was able to secure employment that had benefits. 6 months of treatment would have cost over $500,000 - more than 14x my income.
The new plan should incorporate the best from the ACA
No preexisting exclusion
No cap limits
It should add
Low cost plans for young people catastrophic plan $100-$30 monthly
Children can have their own plan
Adults can choose from many policies depending on desires.
No automatic coverage. If you show up at an ER for treatment and don't have any insurance, you will be assigned a doctor and expected to keep appointments. If you don't keep those appointments, you fall into a high risk category and assigned to a hospital for these people.
Neighborhood doctors and nurses are put into place in communities for checking on patients to avoid use of ER
The government should not provide any type of reimbursement for insurance company expenses over any amount... what they should do is limit these type of expenses to have the hospital eat that cost... the hospital should be MORE proactive in these cases because 99% of them have death or worse outcomes... Only a very small percent of people eat up those costs and even then, they die within a few days...
You mean, before where I could carry just a catastrophic plan for 50-100 bucks a month and it covered me for all real expensive procedures, illness, disease, etc... and even had an experimental drug/procedure option?
Can you provide the names/carrier affiliations of these purported former plans, please? Thanks!
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