Affordable Health Insurance for a healthy life

Affordable Health Insurance for a healthy life
... thus increasing the burden per capita leading to the advent of various health ailments and also their treatments. This marks the need of an affordable health insurance as it helps deplete your burdens by reducing your medical expenses.
Source: www.palmettoprogressive.com

Resolved Question: Could everyone agree on something like this for health care reform?
I apologize in advance for the length of this…but it is a complicated issue. I am an Independent so do not have either Repub or Dem leanings. Some 40 plus million people are without health care coverage in this country. There is no doubt that this situation is unacceptable. The question is however, what is the best way to provide decent and affordable health care to those millions. The plans that are being looked at in congress currently would put the U.S. much more in debt…and dig us a hole we might not be able to climb out of eventually. Here is what I would suggest and I would like your opinion as to whether or not it would be fair and do the job without breaking the bank. Step 1: The congress needs to make a list of the minimum coverage that they feel the current uninsured should have. For example: For pre existing conditions, preventative screenings for cancer, diabetes, blood pressure and heart and lung issues, annual physicals, emergency care, prescriptions etc. If they wanted to have more than one plan type they could do that also. Step 2: Determine what percentages would need to be paid by the plan…and what deductibles and/ or co pays would be acceptable. (for each plan type of options available) Step 3: This information would then be supplied to EVERY private health insurance company in the U.S. and a request for a quote to be given. When the quotes are all in, the company that had the lowest quote would be first in line to receive a heavy proportion of those individuals if the plan was accepted. Any other company that was willing to match that low quote would also be included in the coverage pot. People who are currently covered under another plan would be eligible as well…BUT…their income would be considered in determining premiums. If a company was currently providing insurance premium dollars for their employees, they must continue providing that coverage…or raise the wages of the employees to accommodate the differences. Step 4: Congress would then determine by income and family size how much of that premium dollar had to come from the individual or family and how much would then be paid by tax dollars. Only those below poverty level would be eligible for free coverage. Everyone else would have to pay something (again depending on income and family size) This amount would go up should the person’s income go up. This plan could also replace the current Medicaid and Medicare program that is at present run by the government. The consumer share of the premiums would be paid monthly directly to the insurance carrier. Congress would have to work out a payment plan for the government’s share. It would be the responsibility of the insurance carrier to process the claims and strict guidelines as to the timeliness of that processing would have to be made. In addition, a law would have to be passed that would restrict any raise in charges for services by doctors and hospitals and other health care professionals, that were in excess of the cost of living increase. Doctors and hospitals would also be required to post their normal charges for all services on a web site and/or in plain view of the public at their facility. I see many positives: 1. The government would not be taking on all the burdens for cost 2. The government would be able to lower the current costs of Medicare and Medicaid because people with higher incomes would pay more of their own care costs. 3. Private business would be able to hire more people which will have a favorable impact on the economy. 4. With the requirement that companies currently insuring their employees would have to match that premium amount in higher wages should they drop the program, it is likely that the company would not benefit from the eliminatation of their current programs so would not force a great number of people to opt for the new plan. 5. Forcing doctors and hospitals to post their normal charges on line etc. would hopefully create greater competition…thus helping to keep costs down. I am sure I have missed something or am seeing something different than someone else would. What would you add…take out....or change?
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Resolved Question: Libs, what seems to be an issue with this HR621?
Congress is in session today. H. Res. 621 Text of H. Res. 621: Ensuring access to affordable and quality health care without increasing the Federal budget. Introduced in House. This is the original text of the bill as it was written by its sponsor and submitted to the House for consideration. This is the latest version of the bill available on this website. HRES 621 IH 111th CONGRESS 1st Session H. RES. 621 Ensuring access to affordable and quality health care without increasing the Federal budget or contributing to market inflation while providing greater choices for patient-focused care for individuals and families. IN THE HOUSE OF REPRESENTATIVES July 9, 2009 Mrs. MCMORRIS RODGERS submitted the following resolution; which was referred to the Committee on Energy and Commerce, and in addition to the Committees on Ways and Means and the Judiciary, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned -------------------------------------------------------------------------------- RESOLUTION Ensuring access to affordable and quality health care without increasing the Federal budget or contributing to market inflation while providing greater choices for patient-focused care for individuals and families. Whereas there are real challenges facing the United States health care system, and Congress continues to debate how to expand access to affordable, quality health care and health insurance coverage; Whereas the United States spends substantially more on health care than other developed countries, with total health care spending reaching $2,200,000,000,000 a year or close to $7,000 for each American; Whereas health care spending consumes about 17 percent of the gross domestic product; Whereas there are approximately 46 million uninsured in the United States; Whereas 18 to 35 year olds are the most underinsured section of the population; Whereas more than half of the uninsured work for a small business; Whereas every American should have health insurance coverage and the freedom to choose and control it; Whereas health care is personal and the doctor-patient relationship must be protected; Whereas Americans value choice and control over their health care decisions; Whereas greater government involvement in our Nation’s health sector would lead to higher costs, fewer medical discoveries and treatments, delays in access to care, and excessive and expensive increases in paperwork and bureaucracy; Whereas Americans can improve quality and access in a way that also reduces costs by bringing more competition and choice into the health care sector and by giving people additional tools and incentives to become equal partners in managing their health spending and their care; and Whereas Americans must begin to refocus our Nation’s health sector on encouraging wellness and prevention, since health problems caught early are far less expensive to effectively address and treat: Now, therefore, be it Resolved, That it is the sense of the House of Representatives that in order to ensure access to affordable and quality health care without increasing the Federal budget or contributing to market inflation while providing greater choices for patient-focused care for individuals and families, the following principles should be included in any health care bill considered by the 111th Congress: (1) The ability to receive point-of-service health care in preventative, emergency, and rehabilitative settings in rural and urban areas. This must also advance critical health care training programs to retain health care professionals and find a meaningful, long-term solution for the sustainable growth rate formula that will accurately reimburse physicians for the care they provide to Medicare beneficiaries. (2) With refundable tax credits for the purchase of health insurance by low-income recipients together with tax credits for small businesses and access to association and small business, the cost of health care is within the reach of families and individuals while reducing costs without hurting the patient. (3) Medical liability reform to bring much needed change to the civil justice system that is being exploited by trial lawyers and is responsible for driving up malpractice and health care costs. (4) Safe and effective health service with measurable results through the implementation of health information technology. (5) Build new incentives into health plans to encourage wellness, prevention, and to provide incentives for people to make smart choices involving their health, care, treatment, and health insurance coverage. (6) Give people the ability to choose the best health care plan and options to meet their individual and family needs through portable health insurance and Health Savings Accounts. This bill is v
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How To Save Money And Get Discount Health Insurance Virginia ...
Being imperfect we all get sick and hurt at times, which is why there is a necessity for health insurance. Since we all need it has become drastically expensive over the year. How can we save on health insurance in Virginia? 1.
Source: azsearchengine.com


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