Can we have REAL health care reform?
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I do not have health insurance. I #1 do not get tax breaks if I do buy from someone other than my employer (government rule). #2, I pay full cost for lab work (as required by law. oh wait, the government and insurance companies can negotiate a reduced cost.). I go to a doctor who requires you to bill your own insure, and she doesn’t take government reimbursements. The result, my doctor bill is HALF of what the other doctors charge. I found a lab that now requires cash up front, no billing. Guess what. My lab work is 50-70% LESS than anyone else. Simple things can lower health care costs without tipping the whole apple cart like in Obamacare. Why aren’t other reps plans looked at? Plans like the Arizona senator wouldn’t cost us trillions. We are talking about revamping a system for about 10 million Americans, costing our grandkids kids higher taxes.
http://kyl.senate.gov/legis_center/health.cfm
Why does government prohibit me from buying a ‘major medical only’ plan that I could write the cost off in my taxes?
Before Reagan, all of your insurance and medical expenses were tax deductible. If you do not like that rule, take it up with Republicans. They took that tax break away and although they all talk about giving it back, none of them has ever done it.
The government and insurance companies are allowed to negotiate lower costs for lab work, and so are you. If you aren’t in your state, blame your state. That is not controlled at the federal level.
Your doctor that doesn’t bill insurance is saving 30% of her overhead costs by eliminating that paperwork. However, most insurance companies will not allow their patients to go to someone like that. They will refuse to reimburse for use of an out of network doctor.
Same with the lab. By not billing and not dealing with insurance, they save an immediate 30%.
Your solutions sound easy, but you do not have insurance. If you did, you would not be able to do any of the things you are doing to reduce costs. The insurance company would never cover any of those bills because that doctor and that lab is not in the network.
So maybe your cash deals cost you less, but heck, I have insurance and I only pay a $10 copay. So I am not about to drop my insurance to get your price.
You may be fine with minor stuff, but the minute you have to go into a hospital, your cash only way of operating will send you into bankruptcy in about two days.
The federal government doesn’t prohibit you from buying major medical, that is your state.
Again, before Reagan, all of your medical expenses, including major medical was a tax right off. Ask your Republican representative why they took that away. Who did it benefit?
The answer is simple. The party of no tax had to find a way to raise tax revenue. So they eliminated the tax breaks for medical expenses.
no. not in america. it won’t ever work.
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McCain stole it from Ron Paul, but that is fine so long as someone passes it. I agree with you. That would drive costs DOWN. Isn’t that supposed to be the point?
Here’s Ron Paul’s version: http://rgvrlc.org/?p=357
He also says it would be a good idea to repeal antitrust laws that keep a doctor from entering into arbitration agreements with patients, because that doesn’t reduce a true award but makes it a LOT faster and cheaper to get to the award rather than going through court. This right there would really drive down malpractice costs.
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This is something that needs to be looked at inevitably and would take a simple signature under a notarized piece of paper stating, "you can write off your private pay health insurance on your taxes every year." I don’t think that it needs to be in a thousand page paper. It seems to me that if the system is really that broken, they aren’t taking a look at what is broken about it. They just want to rush a public option. Very fishy…
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Real health care respects life by protecting our unborn children’s lives, providing health to all (regardless of coverage or legal status), and ensures that the elderly and ill will always receive timely treatment.
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Pro-Life Democrat.
yes as long as it isn’t part of a communist take over of the American economy
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Arnold is
the pink slips are in the mail
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Not as long as there is "Jackpot Justice" and trial lawyers raping corporations, insurance companies, pharmaceutical companies…
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I look at this health care thing as one big math problem.
I don’t care if it’s single payer or free market. Hybrid system won’t work.
I understand the government only plan–human health does not follow the same rules of supply and demand—health is not a commodity and there is always constant, unlimited demand.
If the American people are too bone headed to realize this, then if we go totally private EVERYBODY must have access. To leave out the broken humans is downright cruel.
You can have a private system–just has to be worked out by actuaries. We could have a lot of self insurance by having high deductibles, protecting doctors so they are not duplicating procedures out of fear of lawsuits, etc.
There are ways. We are logical thinking creatures. The problem is very complex, but even the most complex problems have solutions.
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who needs health care when you have the open arms of the lord. as the bible says kill people who don’t believe the same thing as you and exploit uneducated people.
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Paul 3:12
because the INTERESTS THAT BE, namely the health insurance lobby, don’t want it. so republicans are bought off, since they’re against everything anyway. or any new ideas at all… and now they’ve convinced the turncoat Blue Dog Republicans to accept their industry money too, so now democrats don’t even have a majority to get anything done. this sucks!
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Yes, It can happen, There first be a meeting of the minds.
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I live in So. Arizona, and Kyl is nothing but a war monger idea-log.
Arizona is a state that doctors run from. If Kyl wanted to do smoothing, he should look at the high cost of malpractice ins.
But those are his buddies, so he wont touch that !
Cochise county has 130,000 people. One pulmonologist, and the health care is an embarrassment. Ask anyone that lives there !!
So don’t even suggest that our beloved Kyl could come up with a plan that would be good for the country !!
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Before Reagan, all of your insurance and medical expenses were tax deductible. If you do not like that rule, take it up with Republicans. They took that tax break away and although they all talk about giving it back, none of them has ever done it.
The government and insurance companies are allowed to negotiate lower costs for lab work, and so are you. If you aren’t in your state, blame your state. That is not controlled at the federal level.
Your doctor that doesn’t bill insurance is saving 30% of her overhead costs by eliminating that paperwork. However, most insurance companies will not allow their patients to go to someone like that. They will refuse to reimburse for use of an out of network doctor.
Same with the lab. By not billing and not dealing with insurance, they save an immediate 30%.
Your solutions sound easy, but you do not have insurance. If you did, you would not be able to do any of the things you are doing to reduce costs. The insurance company would never cover any of those bills because that doctor and that lab is not in the network.
So maybe your cash deals cost you less, but heck, I have insurance and I only pay a $10 copay. So I am not about to drop my insurance to get your price.
You may be fine with minor stuff, but the minute you have to go into a hospital, your cash only way of operating will send you into bankruptcy in about two days.
The federal government doesn’t prohibit you from buying major medical, that is your state.
Again, before Reagan, all of your medical expenses, including major medical was a tax right off. Ask your Republican representative why they took that away. Who did it benefit?
The answer is simple. The party of no tax had to find a way to raise tax revenue. So they eliminated the tax breaks for medical expenses.
References :