The private sector can do with the right policies to guide
The private sector of the health system of care is not broken. Provides excellent patient care. What is broken is the cost of service.
Before the use of health insurance has become very common, the market determines prices. Your doctor should determine what price would provide the service. The patient should determine whether he / she was willing to pay the price. When an interested thirdas an insurance company or government, the price went up to the amount of capacity to pay of the third.
The government has decided to increase the number of people who have been buying health insurance. The pressure from insurance companies, businesses and the medical industry, the government has decided to make health insurance premiums for businesses and franchise individuals. Obviously the trigger creation of skins health insurance policies that had longlow relief.
The problem of most medical expenses each year is created when insurance companies can increase premiums each year to pay higher prices for doctors. Higher medical costs are also caused by insurance policies with low deductibles.
When the patient uses the benefits of the insurance policy, he / she is not worried about the price of medical services, only that they are proud of themselves for the test has chosenthe purchase of health insurance and he / she is getting value for money. This consumer attitude can increase prices. If you have chosen a policy of insurance under deductible and is fully or partly borne by the employer, feels even more disconnected from the costs of medical expenses. The fact that he / she or the business is allowed a tax deduction equal to the amount of annual premium payment of the premium comparison no desireStore.
It would be better to increase the deductible amount, and encourage the use of health savings accounts (HSA). HSA should be fully deductible up to the amount of insurance deductible each year. The government has created for HSAs encourage people to save money for future medical expenses and to promote the use of deductible health insurance policies of height. Health insurance premiums should be tax deductible and private employerscitizens.
To level the cost of health insurance premiums, private and self-employed pay the same employers and employees of large companies. Insurance companies should be encouraged to make this change for people to buy more health insurance and insurers could reduce premiums by spreading risk over a greater number. people.
With health insurance premiums are not tax deductible, the 'employers, individuals and self-employed are more likely to comparison shop for the best deal on health insurance premiums and benefits policies. Will encourage insurance companies to be more diligent in their negations with the medical industry, because the purchaser of health insurance might be more sensitive to price premiums. As more people buy health insurance, insurance companies would pay a lower risk ofmoney for the operation, it would be able to reduce health insurance premiums.
HSA health insurance policies must be used throughout the country, in order not to repeat past mistakes. Preventive care benefits should be available without payment of a deductible.
HMOs and government health programs are slow to provide travel services of a medical committee or the primary care physician must first approve medical procedures. Other countriesCentral to run medical programs have shown that this is true.
Insurance companies should not be allowed to deny health insurance for a patient with preexisting conditions. Best to understand all the people in the health insurance system, so that the risk extends for many citizens.
Since the increase of the deductible at this level, instead of paying directly to the government for 100% of medical expenses for poor workers, correspondingdollar for dollar, every dollar that is put into the HSA by the person or family to the deductible. The same policy applies to insurance premiums. The money can only be removed with a debit card used by a service approved doctor or hospital and prepared with the approval of the patient. Both the patient and the health center will have to enter your PIN number to get the money withdrawn from the HSA.
If a person does not have a life threatening diseaseor accident, the hospital must allow and encourage the patient to refuse medical care after being seen by a doctor or nurse in a projection room. The hospital must then give details about the patient and the availability of emergency care unit near you. Tips to see a doctor the next day is usually not good because we recommend using the system for appointing physician.
Computers also can be created to send vital signs to a doctor or nurse so they can determine if thereis an emergency.
With the patient responsible for paying the account, your HSA, high deductible, you should not abuse the system and seek help in proper installation. emergency departments of hospitals would be available for patients with life-threatening illness or injury.
The treatment of nonfatal illness or injury in the emergency room is an important flow of money for hospitals. Hospitals should be denied payment ifdo not follow this policy change.
Unless all involved, from the patient, physician, hospital, have some "skin in question, the price of medical care continue to rise at a faster rate than other costs to the economy. A perfect example of this industry is the home mortgage. Banks, brokers and financial institutions have been put at risk and the ultimate cost of the housing bubble after selling the loans to investors and the governmentsupport agencies.