The Health Insurance Scam – Why Our Health System is in a Mess
The rhetoric surrounding health care insurance from legislators has very stealthily transitioned from “Universal” to “Mandatory” and from “Health” insurance to “Medical” insurance. Does that mean there’s intent to leave non-medical providers out of any concept?
And the only focus now seems to be on “containing and lowering health carecosts“. But understand the facts. In addition to the citing high costs of services, there are a myriad of problems that need to be focused upon.
The problems include the high costs of a medical education. A capable majority exit medical school (doctors & therapists, et.al.) with loans over $100,000 at 7%-10% interest rates. Now “beget and lower” the potential incomes of these professionals by drastically restricted and/or capping what they are paid for their services. Now add in the costs of practice which only increase and the costs of living which only increase, on top of the costs of those student loans. How many people would remain in the medical professions? With large numbers leaving for higher paying professions, what would happen to the medical care system in this country?
Let’s not ignore skyrocketing health care insurance premiums, co-payments, deductibles; continually reduced or eliminated covered health care expenses; the obscenely high salaries and bonuses of health care insurance, medical equipment and pharmaceutical company executives; the extremely high commissions and bonuses health care insurance, medical equipment and pharmaceutical company brokers and salespeople acquire to sell their policies/products, plus their lucrative perks, like all expense-paid trips; the “incentives” these health/medical products corporations “extend” to providers, administrators and mangers of hospitals and clinics, to consume their products.
It doesn’t hold rocket science to near up with viable solutions that are not at the expense of just the consumer, yet have benefits for all fervent.
As insurers readily status “caps” (limits) on the amounts they will pay for a particular health care service, limits (“caps”) should be mandated on the amounts the health insurance and products companies should be allowed to charge for insurance premiums and products.
Federal legislation could also mandate a modern corporate tax on all health insurance, liability insurance and medical liability (malpractice) insurance companies, all hospitals, clinics and multi-doctor facilities that receive fees for policies, services, supplies, equipment, etc. A 1% “Mandatory Universal Plans Fee” levied onto corporate inferior revenues over $500,000, all personnel salaries/incomes/commissions over $200,000, bonuses over $50,000 and all-expense-paid trips valued over $10,000, could go a long draw in assisting the financial stability of health care insurance for all, with the revenues from this “M.U.P. Fee” customary to subsidize Medicaid, Medicare & Universal Plans.
And mandating insurance corporations to invent not-for-profit subsidiaries to offer health care insurance plans at reduced premiums for working and middle income citizens who do not qualify for Medicaid or Medicare plans would go a long contrivance in this crisis.
The only method health care insurance is going to be made available in an equitable manner to all citizens, is if the playing field for contributing to it, paying for it and restricting “pay”, is leveled across the board.
A celebrated sense, approved sterling, favorite contribution near, with health care insurance and products companies contributing their glowing section, needs to be applied if all citizens are going to catch resplendent, affordable, complete “health” care insurance that covers all health care providers’ services in all health care disciplines, equitably.
The rhetoric surrounding health care insurance from legislators has very stealthily transitioned from “Universal” to “Mandatory” and from “Health” insurance to “Medical” insurance. Does that mean there’s intent to leave non-medical providers out of any thought?
And the only focus now seems to be on “containing and lowering health carecosts“. But understand the facts. In addition to the citing high costs of services, there are a myriad of problems that need to be focused upon.
The problems include the high costs of a medical education. A beneficial majority exit medical school (doctors & therapists, et.al.) with loans over $100,000 at 7%-10% interest rates. Now “hold and lower” the potential incomes of these professionals by drastically restricted and/or capping what they are paid for their services. Now add in the costs of practice which only increase and the costs of living which only increase, on top of the costs of those student loans. How many people would remain in the medical professions? With big numbers leaving for higher paying professions, what would happen to the medical care system in this country?
Let’s not ignore skyrocketing health care insurance premiums, co-payments, deductibles; continually reduced or eliminated covered health care expenses; the obscenely high salaries and bonuses of health care insurance, medical equipment and pharmaceutical company executives; the extremely high commissions and bonuses health care insurance, medical equipment and pharmaceutical company brokers and salespeople procure to sell their policies/products, plus their lucrative perks, like all expense-paid trips; the “incentives” these health/medical products corporations “extend” to providers, administrators and mangers of hospitals and clinics, to spend their products.
It doesn’t capture rocket science to advance up with viable solutions that are not at the expense of just the consumer, yet have benefits for all alive to.
As insurers readily position “caps” (limits) on the amounts they will pay for a particular health care service, limits (“caps”) should be mandated on the amounts the health insurance and products companies should be allowed to charge for insurance premiums and products.
Federal legislation could also mandate a modern corporate tax on all health insurance, liability insurance and medical liability (malpractice) insurance companies, all hospitals, clinics and multi-doctor facilities that receive fees for policies, services, supplies, equipment, etc. A 1% “Mandatory Universal Plans Fee” levied onto corporate spoiled revenues over $500,000, all personnel salaries/incomes/commissions over $200,000, bonuses over $50,000 and all-expense-paid trips valued over $10,000, could go a long procedure in assisting the financial stability of health care insurance for all, with the revenues from this “M.U.P. Fee” faded to subsidize Medicaid, Medicare & Universal Plans.
And mandating insurance corporations to create not-for-profit subsidiaries to offer health care insurance plans at reduced premiums for working and middle income citizens who do not qualify for Medicaid or Medicare plans would go a long device in this crisis.
The only method health care insurance is going to be made available in an equitable manner to all citizens, is if the playing field for contributing to it, paying for it and restricting “pay”, is leveled across the board.
A well-liked sense, accepted genuine, well-liked contribution advance, with health care insurance and products companies contributing their heavenly allotment, needs to be applied if all citizens are going to secure attractive, affordable, complete “health” care insurance that covers all health care providers’ services in all health care disciplines, equitably.
