Money & Change Healthcare Plan (Americare)
Over the past several years we have had Obamacare (ACA) and found it is full of flaws and failures. A government healthcare plan is full of flaws, unnecessary regulations and mountains of bureaucratic paperwork by design when left to politicians and lobbyists. National health care in England or Canada are such examples. Get in line, wait and hopefully you'd get what you need. Here's a plan I have developed that is relatively simple and keeps the government out of it: 1. Citizens pay a monthly fee of no more than 1.25% of their gross earnings per year to their family doctor based on $25,000 per year gross income or $313 not to exceed 1.5%. In turn, the doctor of their choice provides no appointment needed services during regular hours of operation for healthcare i.e.: treatment for colds, flu, blood pressure, diabetes, laceration treatment, minor surgery, etc. This would include wellness exams. House calls would be optional and cost $50 per visit. Medications would be an additional expense at the doctor's wholesale cost plus 5%. If using a pharmacy, it would be the wholesale cost (generics) plus 5% with no clawbacks. The citizen would be issued the Americare card which would be accepted nationwide as long as the payments were made to the family doctor and current. Citizens could pay their doctor by the month through automatic monthly deduction or six month or yearly deduction. 2. Citizens are given the opportunity to shop for insurance across state lines for catastrophic insurance. This would include emergency room, cancer, heart, or long term care. All hospitals must take the catastrophic insurance. 3. Citizen on unemployment public assistance will have 1.25% of their assistance money placed in a Medicaid plan to be used for medical care. This will last for a maximum of 16 months. If not used, the remainder would be placed in a central "pool" of funds to support the program. 4. Citizens who are on valid disability and cannot work will be placed on Medicaid. This is to be reviewed every two years or by spot audit. 5. Politicians are given the choices 1 and 2 above and upon leaving service at age 70 get Medicare Health Plans once retired from office. 6. Those entering the United States for travel or work visas must have travel insurance. Any non-citizen visiting the United States will get emergency care at hospitals for emergency related medical events. (Broken Bones, heart attack, suturing, etc.) Is my plan perfect? No. But it's a simple approach to healthcare that would work.
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