Monday, March 22, 2010
How I Would Provide Health Insurance to the Uninsured
1. Ask them if they want to be insured. If they don't want to be insured, remind them that certain pre-existing conditions may not be covered in the future if they choose not to be insured. Create a separate statistic entitled: "Uninsured by Choice", and stop using this segment of the population as a battering ram for federal takeover of health care.
2. Allow health insurance companies to provide cafeteria-style health care plans. Do not require health insurance companies to provide one-size-fits-all plans that cover, in some cases, everything from Botox to hangnails.
3. Do not allow insurance companies to declare conditions acquired during a period of insurance coverage as pre-existing conditions. They are not pre-existing.
4. Require health insurance companies to be non-profit organizations.
5. Remove ALL federal legislation that allows health insurance, pharmaceutical, and other health care companies to operate in quasi-monopoly status. (See the book "Who Killed Healthcare?"
6. Prohibit the American Medical Association from limiting the number of students who want to become doctors.
7. Encourage civic, governmental, and religious leaders to mount their bully pulpits and remind the people the importance of being a Good Samaritan.
8. Admit that federal administration of Medicare has been a colossal failure, and transition the program over a period of years to the States.
9. Require states to show "full faith and credit" to other states by requiring them to provide the same or similar health insurance coverage to anyone who moves into their state with a health insurance policy.
10. Allow anyone to purchase any health insurance policy in any state.
11. Require that all Insurance Companies offer a Health Savings Account as an insurance policy option.
12. Require that companies increase employees' salary in lieu of the hidden employer costs that are currently paid to "pool" health care plans, thus giving the employee more ability to find and afford the health care plan that he or she prefers.