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We need to stop thinking of all healthcare as “healthcare.” There are really two different things at issue: Basic healthcare and extraordinary measures.
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Basic healthcare we can think of as the care we give to our pets at a vet. This is all the basic easy stuff and will take care of the vast majority of everybody’s needs. It needs to be cheap enough to be reasonably available to everybody without insurance. It needs to be available and easy, like taking your pet to the vet.
example: My neighbor’s dog got run over. It had severe injuries to the head, a broken leg and internal injuries and acquired emergency surgery and a week at the vets. Total cost was about $1,500. If I had the same injuries it would probably cost 100 times that. Why? I know it’s going to cost more because I won’t sleep in a cage, but why should the same treatment cost me 100 times that?
We need to lower the cost. To do that we need to cut people out of the bureacracy of insurance. If you are insured, anything in this category that you need, you get. If you’re not insured the cost should be a reasonable out of pocket expense. Limit liability. Limit malpractice. Limit everything, but this basic care to bring the cost down.
Some of us like to go to the Doctor quite a bit, and want lots of tests, and Doctors are loathe to refuse. We don’t care about cost if we’re insured, because it’s a third party. If we are paying out of pocket, we care.
Insurance companies will need an out for abusive overuse. Have arbitration panels, that the insurance companies can appeal to, to drop your coverage or deny claims for a pattern of frivolous use of basic healthcare.
Just like today, you should not be denied treatment at an emergency room based on ability to pay. But, they can go after you to recover costs. Only the costs shouldn’t be crippling.
- Extraordinary Measures need to be covered for children. If you can afford insurance for them, that’s fine. If you can’t, a medicare/medicaid sort of coverage should apply from the government.
If you live to age 18 without a preexisting condition that would stop you from getting coverage you are now completely on your own in terms of choosing to get coverage or not. You can be denied extraordinary measures based on ability to pay. If you have a preexisting condition by age 18 that would prevent this your existing coverage if you have it, or medicare/medicaid would continue for life.
- Extraordinary Measures include self-inflicted/lifestyle illnesses, on a scale based on severity of illness versus degree of personal responsiblity. If one chooses to abuse or not take care of oneself, the burden of the additional costs incurred increasingly becomes yours.