August 14, 2012 > HealthCare... Who Cares?
HealthCare... Who Cares?
By J. Dennis Wolfe
There are seven steps to resolving our nation's healthcare cost-delivery crisis, and make no mistake about it, it is still a crisis! If anything, I believe it is worse now and farther from resolution. However, without continued discussion of a workable solution, we risk further degradation of healthcare; this is already happening to Medicaid patients as well as MediCare recipients.
Step 1: We will NEVER have control over the cost for delivering health care until we inject capitalism into it. Without a supply and demand component to the mathematical equations that measure costs, it will continue to be an unregulated monopoly. The only way to ensure this is to regionalize the delivery system so that external economic pressures can be exerted.
Step 2: Every individual in a region must have cost-protection coverage. A regional mandate is required and must be voted upon and passed by the people in that region in order to receive federal dollars to help pay for those who cannot pay.
Step 3: It is imperative that all insurance carriers competing for business are not replaced with a single insurance monopolistic carrier - the U.S. Government. Refer to Step 1 regarding the concept of competition. Instead we need to create a "Tri-Payor" system: people and employers pay in the primary position; the federal funding sits in the secondary position. Insurance carriers can offer supplemental coverage, not too dissimilar to today's MediGap coverage available for seniors who wish to buy tertiary coverage.
Step 4: With this system in place, there is no longer a need for MediCare; everyone has the same benefits for cost-protection throughout their lives. We are already seeing the complete disintegration of MediCare due to rationing and cutbacks. MediCare proves that a single payor system will fail; I firmly believe that MediCare is an egregious, discriminating system that cares little for our senior citizens.
Step 5: Federal guidelines will establish what will be paid to a region that votes to mandate. This simple document that sets federal guidelines is the only federal legislation that will be necessary for all health care benefit cost protection.
Step 6: Under my proposed plan, ALL who receive any financial assistance to offset their health care cost-protection coverage will be accountable; they WILL owe it back and WILL pay it back, but ONLY as their future income warrants... no more unaccountable handouts. I am not being cruel since someone who cannot afford to pay it back will NEVER have to worry, but WILL always know what was provided to them. Unaccountable "free" federal handouts must be replaced with accountable "free" federal financial support.
Step 7: None of this will work unless financial incentives are offered to people who take time to become educated about how to achieve better health.
One thing is certain. A solution mandated on a national basis is NEVER going to work; it must be regionalized with accountability.
In April of this year, I published an article available through many internet magazines focused on health care, wellness, etc. One of those magazines is healthcarereformmagazine.com. To access my article, simply type "Dennis Wolfe" into that website's search engine.
Stay healthy. Stay tuned. Get involved. Learn what is being done to you under the cover of daylight! Your life now does indeed depend upon it.