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This is not a game or a strategy to stop the Democrats
and President Obama or to weaken them politically.
This is simply the political murder of Americans.
There are Americans dying everyday because they
do not have insurance.

These Americans want and need insurance but are
either denied coverage because of preexisting conditions
or are priced out of coverage because of high premiums.

Americans by the Millions have lost their jobs and with
unemployment they have lost their insurance because of
the high cost of assuming the entire premium when out
of work.

The focus needs to get back to the fact that we do not abandon
our own, we do not leave people behind. We offer a helping
hand to all who are willing and able to help themselves if
given a helping hand to get them back on their feet.

If this means a bare bone public option that is paid for by the
premiums of the unemployed and uninsured so be it. It can be done
with little Government costs if at all.

This solution is revenue neutral and is paid for by the premiums
paid into by the uninsured.

Premiums need to be $200 a month for Adults and $100
a month for children.

The number of individuals annually needing hospitalization
will be on average 13.5%.

The average cost per hospitalization currently is $17,195.
With cost savings and preventative care the annual costs
should be reduced.

Total revenues is $112,800,000,000 Billion
Total expenditures will be $109,102,275,000.

This is based on 2002 figures.
http://www.ahrq.gov/...

Health Care should be bottom up.

$10,000 of health credits per tax payer for preventative care.
The individual Must get a physical check up each year or lose a
portion of

the benefits. Give the Taxpayer a lifetime Budget of $250,000 for
medical care of their choosing. Pro rate this by age 18 to 72 at the
start of this program.

The way to keep medical costs down is early treatment. If a person
does not address a medical problem reduce their benefits.
This is not to REPLACE medical insurance but to give a minimum level
of medical care.

It is important to realize that this works regardless of the pool size
because it is based on the 13,5% of participants who end up
hospitalized annually.

OK here is the math.

47,000,000 uninsured.

13.5% will need hospitalization

This means 6,345,000 annually hospitalized.

Average cost of hospitalization is $17,195

Total cost of all Hospitalizations
6,345,500 X $17,195 = $109,102,275.000 annually

To figure out group premiums.
$109,102,275,000 / 47,000,000 = $2,321.33 annually

$2,321.33 / 12 = $193.45 Monthly premium.

Originally posted to VirtualTruth on Wed Aug 19, 2009 at 12:35 PM PDT.

Poll

Healthcare Reform

8%5 votes
14%8 votes
3%2 votes
3%2 votes
7%4 votes
57%32 votes
3%2 votes
1%1 votes

| 56 votes | Vote | Results

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Comment Preferences

  •  Tip Jar (0+ / 0-)

    Time will Tell all the Truth VT, Virtual Truth

    by VirtualTruth on Wed Aug 19, 2009 at 12:35:25 PM PDT

  •  Your plan is sick (0+ / 0-)

    You are proposing a family of four pay $600 a month in "premiums" for the uninsured. For a family earning $25,000 a year, that would be one-third of their take-home pay.

    Up to $10,000 in tax credits for preventive care will be useful to people who make a great deal more money than the uninsured.

    A lifetime cap of $250,000 is absurd. My son has neuroendocrine cancer and his bills over the past two years have already exceeded that cap.

    I am all for preventive medicine how does one deal with the behavioral component, such as smoking, excessive alcohol consumption, obesity, inactivity, excessive unprotected exposure to sun or UV radiation, poor diet, stress, and unprotected sexual activity? How does one deal with corporate misconduct resulting in toxic exposures or unsafe products? How does one deal with chronic diseases, many of which have a genetic component that cannot be prevented?

    The uninsured keep dying. Death to AHIP!

    by DWG on Wed Aug 19, 2009 at 01:02:33 PM PDT

    •  This is a revenue nuetral solution (0+ / 0-)

      This means no government input,
      you want premiums to be lower, then
      we are talking adding to the DEBT.

      Have you priced private insurance?
      $600 for a family of 4 is very
      reasonable.

      The premiums can be tax deductible.

      You are penalized for behavior that
      causes medical problems.

      This is MINIMAL Insurance not
      Comprehensive Insurance, so the
      $250,000 cap is better than NOTHING.

      I am already known as VirtualTruth, times have changed and so has my cause. The Far left can not become the new radical far right

      by Liberal Reality Check on Wed Aug 19, 2009 at 01:09:29 PM PDT

      [ Parent ]

      •  The milk of human compassion was wasted on you (0+ / 0-)

        You honestly think a family making under 30K a year should be spending more than 25% of their take-home pay on health insurance premiums?  Private insurance? People who can barely afford rent, food, car payment, and basic expenses should set aside a week's salary every month to line the pockets of a parasitic insurance company for junk catastrophic policy with a zillion exclusions?

        Tax deductible means nothing for people who have lower incomes.

        If you honestly think this table-scraps plan, which is basically the mandated junk insurance plan with medical savings account that is being pushed by the insurance companies, is sufficient, then you are sadly mistaken.

        The uninsured keep dying. Death to AHIP!

        by DWG on Wed Aug 19, 2009 at 01:21:50 PM PDT

        [ Parent ]

        •  I gave one part of the solution (0+ / 0-)

          A part that can be fiscally possible and revenue neutral.

          The next part is getting the costs down.

          Tort reform is one way, both for medical
          institutions and doctors.

          I am open to hear other suggestions.

          You have any to offer?

          I am already known as VirtualTruth, times have changed and so has my cause. The Far left can not become the new radical far right

          by Liberal Reality Check on Wed Aug 19, 2009 at 01:47:11 PM PDT

          [ Parent ]

          •  Let's start with (0+ / 0-)

            A robust public option that extends Medicare to those are uninsured and do not have the means to pay into the plan.

            A cap on overhead allowed for private insurance companies. Private insurance companies suck off 30-40% of premium dollars. Insurance companies do not provide health care, but rather only sell access to it at obscene profit margins. They have no utility apart from driving up costs. If you care about costs, decapitate the insurance industry contribution. A 15% cap on overhead is reasonable.

            Pass airtight restrictions on insurance companies prohibiting rescission, pre-existing condition exclusions, and lifetime caps.

            Prohibit pharmaceutical advertising, which is unique to America and drives up our pharmaceutical costs.

            Remove the prohibition against negotiation for drug prices by Medicare.

            Torte reform is counterproductive in states that have weak professional regulation to weed out out incompetent doctors.  I am all for torte reform as long as physicians with poor track records are investigated and lose their license to practice.

            Treat Medicare fraud as a felony with mandatory revocation of the offender's medical license. Institutions convicted of Medicare fraud need to have their assets confiscated and their executives jailed under organized crime statutes.

            The uninsured keep dying. Death to AHIP!

            by DWG on Wed Aug 19, 2009 at 02:11:09 PM PDT

            [ Parent ]

            •  The things I agree with (0+ / 0-)

              Preexisting conditions should be covered.

              Drug prices should be negotiated

              Prohibit pharmaceutical advertising

              Torte reform and weeding out incompetent doctors.

              I agree that Medicare fraud should be a felony and
              the offender loses their right in all states to practice medicine.

              I am already known as VirtualTruth, times have changed and so has my cause. The Far left can not become the new radical far right

              by Liberal Reality Check on Wed Aug 19, 2009 at 02:29:28 PM PDT

              [ Parent ]

              •  There is no defense for the insurance companies (1+ / 0-)
                Recommended by:
                blindcynic

                This asinine system grew out the post-Depression period when wages were frozen and employers were looking for incentives to retain employees. Paying health care costs was then relatively inexpensive and provided some peace of mind in an area when life expectancy was in the low 60s.

                Insurance companies add nothing of value to medical care. Their only purpose is to increase the cost. In other developed nations, insurance companies provide coverage for cosmetic procedures, more amenities during hospitalization, and a few other things. This is the only place for them. They have no merit or place in the medical care delivery system.

                The uninsured keep dying. Death to AHIP!

                by DWG on Wed Aug 19, 2009 at 02:50:04 PM PDT

                [ Parent ]

                •  OK so the alternative is what? (0+ / 0-)

                  Medicare?

                  No. Medicare has it own problems, adding to it
                  only brings Medicare down faster.

                  We have 3 years to figure out the delivery system for the services.

                  Simply put, a big box for the funds, a fix list of costs per procedure, a tracking system for payments,
                  accounting of client expenditures.

                  I could write a program for this in a week.

                  I am already known as VirtualTruth, times have changed and so has my cause. The Far left can not become the new radical far right

                  by Liberal Reality Check on Wed Aug 19, 2009 at 03:12:32 PM PDT

                  [ Parent ]

      •  $600 for a family of four is NOT REASONABLE (0+ / 0-)

        At all.  Not when the lowest 25% of American households' income is $19,000.

        What do you call "reasonable?"  I'm sure it seems reasonable if you make $100k a year.

        Plus, what's with the sock puppet?  Do you seriously think I can't tell that you and the diarist are the same person since you use the same ee fucked-in-the-head cummings writing style?

        Careful, Slippytoad will piss on you!

        by slippytoad on Wed Aug 19, 2009 at 01:43:37 PM PDT

        [ Parent ]

        •  My profile states we are the same person (0+ / 0-)

          I signed in on my old profile by accident
          with a different browser when I posted
          the Diary.

          I showed how the public option can be done
          and be cost revenue neutral.

          As you get the medical costs down, premiums
          go down also.

          My monthly premium is based on the cost
          of an average hospital stay. Get that
          cost down and premiums go down.

          I gave you the key to fixing the problem
          you want premiums to be lower, then find THAT
          solution.

          I am already known as VirtualTruth, times have changed and so has my cause. The Far left can not become the new radical far right

          by Liberal Reality Check on Wed Aug 19, 2009 at 01:52:16 PM PDT

          [ Parent ]

        •  If you want premiums to be $300 a month (0+ / 0-)

          for a family of 4, then you need to get the
          average hospital stay down to $8597.50.

          Figure out a way to do this, and you
          lower the premiums.

          It is as simple as that.

          I am already known as VirtualTruth, times have changed and so has my cause. The Far left can not become the new radical far right

          by Liberal Reality Check on Wed Aug 19, 2009 at 02:07:40 PM PDT

          [ Parent ]

          •  Uh, no not my problem (0+ / 0-)

            And it's not that simple.

            Somehow, I was paying $200/mo 8 years ago.  In the intervening years the cost of living has not increased by 400%.  The cost of manufacturing has not increased by 400%.  Hell, the GDP hasn't increased by 400%.

            No, what happened as far as anyone can tell is CEO compensation increased.  And the insurance companies used my premiums as a fucking ATM they felt free to invest in the stock market and then charge ME when their fucktarded investments went awry during the Bush stock market meltdown.  (s).

            Careful, Slippytoad will piss on you!

            by slippytoad on Wed Aug 19, 2009 at 03:14:23 PM PDT

            [ Parent ]

            •  I didn't say it would be easy (0+ / 0-)

              I posted this earlier...

              Simply put, a big box for the funds, a fix list of costs per procedure, a tracking system for payments,
              accounting of client expenditures.

              I could write a program for this in a week.

              Next to get costs down start bottom up. The actual costs of all items without the built in 'shrinkage' cost and 'profit' cost. Do A 'Wal*Mart' with suppliers.

              Hard line negotiations.

              Again this plan is not for elective care or comprehensive care, it is minimal care. If the
              pool is 47 Million people the volume with make up for the low profit margins.

              Take over the failing hospitals and tell doctors 2 years in these hospitals and your medical costs are gone. Nurses also, all personal. this also solves the Doctor shortage long term.

              I am just brain storming here.

              I am already known as VirtualTruth, times have changed and so has my cause. The Far left can not become the new radical far right

              by Liberal Reality Check on Wed Aug 19, 2009 at 03:32:21 PM PDT

              [ Parent ]

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