A two page National Health Plan
Subject: A NEW MASTER COMPUTER (Non-Governmental, non-socialist) HEALTH CARE PLAN
Features of plan. The plan self regulates its premiums monthly on the basis of the previous months total use of all citizens using this optional plan.
Only citizens of the US are eligible to be covered for computer health care.
The citizens premiums are based on a combination of income, and the prior months use of the of the computer health care system. I f a person’s income is below a defined level they would get free services. Veterans would not pay premiums and would get free services.
If people who pay premiums who are more than two months behind would be removed from the computer health care system.
No one has to join the computer health care plan. Folks at 18 can join for $25 or they can go without insurance or get private insurance. If however, they wish to join after the age of 18, or the initial startup period, there would be a surcharge of $1000 per year of delay in joining. Example: If a person waited until the age of 20 to join that person would have to pay a surcharge of 2 years or 2x$1000 = $2,000 to join.
Children under age 18 and veterans with an honorable discharge would not have to pay a premium for services.
Visitors to the US and migrant workers would have to purchase private health insurance if they wanted heath coverage.
Any covered citizen could go to any participating doctor or hospital, dentist, mental health counselors, etc. in any part of the country for services. All medical issues are considered pre existing and are covered.
Doctors have the option of not participating in the computer health care system. If they choose to join they would still be free to do private practice. The computer would have a yearly generous cap on doctors, and other providers pay outs that would be reasonable but not unlimited.
The gate keepers for services would be the providers, not the computer health care system.
Great cost savings are realized in that Medicare, Medicaid, and insurance companies, and exchanges are not part of the computer health care plan. Provider paper work costs are also held at a minimum allowing them to perhaps lower their fees.
The health computer would insure all providers with liability coverage at no cost allowing providers to lower their fees.
The Health computer system is not connected to the work place in any way what-so-ever. Business should concentrate on product and profits, not health insurance.
The financials of the New Computer Health Care System self corrects on a monthly basis. The only time the Federal Govt would be involved is to provide seed money to get the system going and to provide additional funds in disaster cases, or war, where the Computer Health Care System is over loaded. Remember, the Federal Govt has NO CLINICAL connection with the Computer Health Care System. The only other function of the Federal Govt is to provide income data of each member via the IRS so the sliding scale billing system of the computer health care system will work.
An Example of How this Computer Health Care System Would Work
Doctors and other providers present credentials and sign up as a valid provider of care with the Health care computer.
Citizens who want to can join the Computer Health Care System.
Citizen premiums are calculated on the basis of the prior months total usage of the health care computer system and the person last year’s income. If a person’s income drops due to illness or job loss the person can appeal to the computer for a lowered premium
Citizen seeks out any registered provider for services. List of providers and specialty would be on web site.
Provider checks to makes sure citizen is an active member of the computer health care system.
If citizen qualifies, provider provides services and sends bill to the health care computer.
Computer checks to see if the provider’s bill is reasonable for services rendered and sends monthly pay check to provider.
This same procedure repeats if the citizen needs other consults and services.
Please note that this COMPUTER HEALTH CARE PLAN is just 3 to 4 pages long, is simple, and is easy to understand. By the way the salaries of the Health Care Computer personal would be paid out of premiums paid.
Dear President Trump I hope you can present this plan to congress for its consideration. Some will scream that it’s a socialistic single payer system. It is not socialistic in that no one has to join the plan if they do not want to. Neither the govt nor the computer makes clinical decisions. Those clinical decisions are between the citizen and the provider of services.
As the Health Care Computer is the Heart of the Health Care System I would strongly suggest that two redundant secretly located, underground, backup sites be established, with a hardened communication links in case of war of disaster. It should also be protected from EMP.
If this plan were implemented I would suggest it be called “The U.S.A. Citizens Health Care Plan”
The beauty of this Computer Health care plan is that ALL citizens, from the very poor to the ultra-rich all get the very best health care the country has to offer. To protect the financial stability of this plan, and the stability of providing health care, there would be no ER coverage or any other coverage for someone who did not have cash, private insurance, or the computer health plan
Submitted by a U.S. Citizen [email protected]