My Incomplete Plan

This is my comprehensive but still incomplete plan for health care:

Patient Health Care 2010

1. “Free Comprehensive Health & Dental Care” to promote good health–from Birth to Adulthood. This will be paid for out of a private slush fund. (Mandatory)
2. “Free Annual Preventive Heath Care Visit and Dental Cleaning & X-Rays” including lab work, education and doctor/clinic visits to continue good health–for Lifetime. This will be paid for out of a private slush fund. (Mandatory)
3. “Full Market Choice” for Normal Illness, Diagnostic Doctor & Specialist Visits, Common Normal Procedures, Prescriptions, Medical Devices and Dental Procedures & Implants. Additional Separate Plans for Severe & Rare Illness, Supplements, and Elective Procedures, Elective Medical Devices, and Dental Cosmetic Procedures (Mandatory):
a. Patients
i. can choose any doctor:
(1) But must pay out-of-pocket if they are not certified (see foot note).
(2) Patients may seek the services of any certified (see foot note) health care equipment or service provider, including M.D.’s, ND’s, Nurse Practitioners, etc.
ii. May choose to use some approved supplements or other alternative treatments or devices as deemed by the health care provider.
b. Doctors can choose their patients:
i. But must be certified (see foot note) to get payments from the system.
4. “Insurance Savings Accounts” or “ISA”–for Lifetime. This is to pay for all Non-Catastrophic care (but excludes Annual Preventive Care Visit), from Adulthood to Death. (Mandatory)
a. Amount to be based upon (a hopefully a better formula than) current formula for Social Security/Disability to cover cost of living.
i. A large portion of which is to be provided by the govt. from tax dollars (say up to $3000), based on percentage of income.
ii. All non-poverty insured must pay in a portion annually themselves, (say at least $1000 or more), based on percentage of income.
iii. All that can’t afford would get a subsidy to make up the difference (say $4000). This to be paid for out of a govt. slush fund.
5. All non-catastrophic services (including visits and labs and prescriptions) are:
a. Paid:
i. Directly from the “ISA” to the doctor’s office:
(1) Using Special debit card that can only pay certified (see foot note) doctors offices: who then (for simplicity):
(2) for fees of certified (see foot note) labs (of the patient choice).
(3) fees of certified (see foot note) medical supply companies (of the patient choice).
(4) In the event the account is drained, a negative balance is maintained until the following years payment is made from funding source with oversight from govt. to prevent abuse.
ii. Out of pocket if negotiated with the Doctor.
b. Provided via coverage and premiums choice made between insured and the insurer, not via employer).
i. Types of plans for non-catastrophic coverage (negotiated separately):
(1) Routine Doctor visits and services coverage in office, Urgent Care in a special clinic.
(2) Prescription Drug coverage.
(3) Elective procedures.
(4) Dental
(a) Comprehensive
(b) Catastrophic
(c) Elective
c. Multi-Choice Deductibles (many choices from low to high)–from Adulthood to Death (Mandatory):
i. Negotiated and purchased directly by the insured from any certified (see foot note) insurance provider in the world.
(1) With discounts for:
(a) Families
(2) Subsidy for college age kids (from govt. slush fund).
d. No Caps. It is up to the insurance providers to work with insured to take steps to help limit unnecessary disbursements via the insured’s health care provider.
6. Comprehensive Catastrophic Care coverage (in Hospital, Nursing Home, Assisted Living Home, or in patients home) includes all (Doctor, Nurse, Lab, Room, Board and incidentals) negotiated directly between insured and insurer:
a. Multi-Choice Deductibles (many choices from low to high)–from Adulthood to Death (Mandatory):
i. Negotiated and purchased directly by the insured from any certified (see foot note) insurance provider in the world.
(1) Discounts for Families
(2) Subsidy for college age kids (from govt. slush fund).
b. Very unique and rare health conditions are not covered here
c. High caps:
i. Based upon (a hopefully a better formula than) current formula for Social Security/Disability to cover current cost of expenses.
(1) Out of pocket expenditures per insured no matter who the insurer is (to prevent changing to another provider to increase the cap):
(a) Annual (say $1-2 million)
(b) Lifetime (say $3-4 million)
ii. Covered by 1%-3% surcharge on each and all types of health care policies (split 50% between insured and insurer) to go into a private special slush fund.
7. Very unique and rare health conditions.
a. Not covered by Standard Policies.
b. Covered by the purchase of a special policy.
i. Automatically agrees to be part of ethical research.
ii. May agree to experimental drug and procedural testing
(1) All care is then paid for by the researcher.
iii. May be purchased at the time of diagnosis but with severe caps.
iv. Purchased before diagnosis raises the caps based on length of policy.
v. After all lifesaving procedures are exhausted the Catastrophic Coverage kicks in for standard care.
8. Private slush funds will be created:
a. The 1st to cover “Free Comprehensive Health Care”–from Birth to Adulthood.
i. Will be funded by:
(1) Insurance providers.
(2) The federal government from taxes.
(3) Anyone else that wants to make a charitable tax deductible gift.
(a) To be paid from a payroll deduction.
(b) Direct payment to the IRS.
b. The 2nd to cover “Free Annual Preventive Heath Care Visit”–for Lifetime.
i. Will be funded by:
(1) Insurance providers.
c. The 3rd to cover all beyond the annual and lifetime cap expenses:
i. Will be funded by:
(1) The insurance providers surcharges stated previously.
d. The 4th to cover all subsidies.
i. Funded by:
(1) The federal government from taxes.
e. The 5th to cover all citizens that can’t afford insurance.
i. Funded by:
(1) The federal government from taxes.
(2) Anyone else that wants to make a charitable tax deductible gift.
(3) To be paid from a payroll deduction.
(4) Direct payment to the IRS.
9. Travelers from other countries must buy a special insurance policy to cover their stay for all needs (Mandatory). After the one year of stay they must pay for the same annual policies as citizens without subsidy.
10. Illegal Aliens not deemed political refugees will only receive life saving treatments, the cost of which to be paid by their country of origin and must be deported to there immediately thereafter, by regular means or (if from South or North America or Cuba) air ambulance; but only if required.

Footnote: (Certified means willing to participate under the other stated guides and provide demonstrate-able high quality and customer care).