Posts Tagged ‘hmo’
My idea for healthcare is this.
Every family in the US has health insurance. there are the same # of cards as there is people in the family. The plan covers for $100,000 per year (includes every use but surgery and operations). The rate will have depend on how much the family makes per year. (If $50,000 came in a year, the cost would be $50 per family member, or if $25,000 came in per year, it would be $25 per family member)
Do you see what i'm saying?
Healthcare is such a mess in America and is getting more expensive every year. I think any plan would be an improvement and although you have a great idea here. I don’t think we’ll ever see anything so simple and straightforward come out of Washington. but hey, let’s believe for that.
Maybe you should run for Congress!
Yep, it's the basic premise behind the original HMO – had a limited dollar amount of stuff, and lots of the preventative medicine. nothing fancy, though.
What happened was, people who bought this plan, would develope conditions that needed more than the $100,000 of medical care (preemie babies can cost up to $50,000 A DAY), and when the benefits were exhausted, they sued the HMO companies. Courts/juries found that they had to pay anyway – so the $100,000 limit didn't *stick*, and those $100 a month HMO plans got modified to cover high ticket issues, thus tripling the price to EVERYONE.
Some more questions here . . . if you're covering every family in the US, that includes illegal families, right? and people who don't pay in, right? Because if you work under the table, or have your own business but the business doesn't pay you, then you have no income, then you don't pay, right?? So the actual incentive is to get free health care, by not working.
Um, I see some inherent problems with the system you propose, never even MIND the history of the HMO plan.