Obama Care Repeal and Replacement
Health Care for every American at a lower cost. Yes, it’s possible with a political will whether you are a Democrat, Republican, or Independent.
-Kids can be kept on family insurance until they are 26 should stay.
-Pre-existing conditions should not be a reason for refusal of health insurance.
-Patients with debilitating diseases (high pool risk) can be shared by Medicare and insurance after negotiation.
Any citizen, nurse, Doctor, Medical State Board who has a great idea should send his or her idea to their congressmen and senator, so it can relay to our President, Mr. Donald J. Trump.
Only 34% of Doctors in Texas take Medicaid patients. Why? The insurance company has thousands of reasons for denying your claims and trying to appeal it; it’s a waste of time, and the money stays in the pocket of the manage care that supervises Medicaid services. For the Medicaid patients, the only place they can receive service is at the hospital. Then the hospital has to surcharge patients with health insurance to compensate hampering these patients.
It’s well known that if you don’t earn very much money it’s impossible for you and your family to get medical, hospital, or drug coverage. The IRS and Medicaid services could issue a card to our citizens in need. With this card they would be able to see any physicians who want to participate. The office would charge a copay, even a symbolic one, and the Doctor would use the Medicare fee schedule as a tax break. Hospitals would follow the same procedure, charging for a tax break. The money wasted in Medicaid could be transferred to Medicare to give a better fee schedule to doctors and hospitals that have to cope with the increasing cost of practicing medicine. For drug coverage it’s a little bit more tricky. I would ask Medicare to create a formulary with a negotiated price for generic and brand products. It’s nonsense and not justifiable that the cost of drugs have increased by more than 1,000% in the recent years. To achieve that I would tell the drug company that if you want to participate with the formulary instead of giving you a patent for 7 and 12 years, depending on the cost, I would give them 15 and 25 years. We can renegotiate the price after 15 and 25 years, but under the condition that you can not advertise in any media, except for Health Care Professionals. In addition, they can not issue rebate cards that transfer the cost to health insurance and consequently increase the premium. If the insurance company disagrees they can not be in the formulary and they won’t be covered by Medicare or any insurance. The USA is for free enterprise. Drug companies who don’t want to participate can continue to advertise and charge whatever price they want for their product. Drug companies who would accept the Medicare program would charge the cost plus 10% for manutention to Welfare, indigent and Medicare patients living on Social Security only. Also, to reduce the cost, any pharmacy should be able to order drugs directly from the manufacturer. HSA (Health Savings Account) is a great idea, but if you have a low income HSA is just a dream. So if you have a better idea than mine I would like to hear it from you. Send me your thoughts at firstname.lastname@example.org