Insurance premium refund annually for no claims

[DRSE (eagans)]

Consider the following:

Insurance Industry profit change

Insurance Corporations invest the premiums they receive for the policies into the stock market for investors. Instead of this profit going only to investors, the profit should go to the policy holders or beneficiary of the policy. They should be put in either an pre-tax HSA or IRA or similar financial vehicle that may be used by the individual/family to pay out of pocket and elective medical expense. It should be permitted to be used as the individual wants toward healthcare. This includes A…

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Independent Review of Insurance Corporations denials

There should be a review of how Insurance Companies are denying claims. This should include how the decision was made and who made it. What was the education and qualification of the person or people who denied it? Did they have the same level of education as the Provider? That includes if the Provider is Alternative Care they cannot be reviewed by an MD who is not trained in Alternative Care. It must be equivalent in decision making. If it was how did the Provider come to the conclusion exa…

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Stop Insurance Corps from coming back for enormous amounts of money after approving a claim

Insurance Corporations use a practice of approving claims for a number of patients then months later coming back and saying oops we don’t approve that claim give us the money back. These are very large sums of money such as $25,000 or $50.000. This puts an enormous financial harship on providers who own small clinics and even puts some out of business. If they approve a claim in the first place how is it suddenly not approved? It’s because they want to keep more money. It has nothing to do wi…

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Increase HSA contributions, investments and options; educate the public about for profit insurance

Edit 12/02/24 Health Savings Accounts should be available with increased contribution and investment options to any employee who receives insurance options through employment so that they have the freedom to choose how to spend their money. These accounts should have the same privilege as an insurance company to invest in the stock market in order to increase and sustain funds for the individual if they choose. This should be built around a safety net. HSAs will cut costs for providers who wi…

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Full Scope of Practice Act - expand patient care options (FSPA)

Scopes of practice are intended to encompass the education and clinical training that a healthcare provider earns through their degree(s) and approved continuing education. Education is accredited by recognized agencies. (This policy is not in reference to expansion for PAs and NPs who would be expanding the definition and pivoting to a different education focus of their chosen field with such an expansion. From bedside nursing and assitance to a Doctor who is trained differently throughout th…

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Insurance should pay claims not politicians

The Insurance Industry spends billions of dollars trying to avoid paying claims. They should pay the claims since they sold people a policy to pay for healthcare instead of paying for politicians. The insurance industry should spend more money on paying claims than on paying to avoid paying claims. How about if healthcare providers who actuall know the patient get to make the decisions instead of claims reps without the education or actual patient. How about at least some of the profits the …