Old Thoughts: Medical System - please see my other posts for more details on my thoughts and other systems such as Education, Business, Working, etc.
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All employers will pay a set amount each month towards a Health Insurance Program - based on the number of hours employees work. This is per hours worked. This money goes to a National Program not to a specific insurance company. This amount is the same whether a person works 1 hour a month or over 160 hours a month and is the same regardless of pay. **If a company wants to give additional money to employees to help or have additional health programs they can but regardless they must make this payment. Further at certain numbers of hours worked a company does increase what they pay into the system - see types of business thoughts.
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The Fed. Gov’t Marketplace is a great way to compare health plans, extend this ability (like airline comparisons). Beyond that the individual person (not employer) chooses first a Base Plan plus 2 add-ons. This is their basic health insurance that is FREE with no deductibles and no premiums. Individuals can choose additional add-ons or advance plans for additional costs. These plans (Basic, add-ons, etc) can be signed onto from the Market Place or from Insurance Companies that are part of the system, which all should be.
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The Base Plan is one that includes 4 visits to a general practitioner a year, 4 full blood workups, most meds FREE-$50, 1 emergency room or similar lasting up to 72 hours at ‘level 1’ sliding scale any others at a level 2 scale, and a few other things. Preventative care needs to be included or discounted as well as health maintenance… YES this would have to be flushed out.
a. Basic Full Blood Work Panels: Include CBC, CMP, Lipid, Thyroid, A1C, CRP, Vit D, Vit B, Iron, IGG, and Cholesterol.
b. Free/Cheap Medications: think most antibiotics, metformin, etc that are already really cheap or free through various programs like what are found at Walmart, CVS, Publix, etc.
c. ER Visit: Level 1 sliding scale is so $50K individual (double married) is free and then payments go up on scale from there. Level 2 sliding scale is so $25K individual (double married) is free and then goes up from there. This does need to be flushed out and based on other standards.
d. Preventative Care: This would include ways to help those who have, as an example, specific deficiencies/anemias to manage their health better to prevent situations getting worse. This could look like basic care but also be specific add-on.
e. Health Maintenance: This looks like promotions of eating healthy, learning what exercises/food/etc. would be best for the individual. It would focus on education but may include help with gardening, food supplies, supplements, massage, acupuncture, and similar. -
Along with the Base Plan people could choose 2 FREE add-ons. Examples of Add-Ons might include Women’s Health (would have free birth control or plans that don’t include it as free), Diabetes Care, Heart Care, Senior Care, Gym Health, etc the list goes on. Now what exactly the add-ons would or would not entail and the levels of add ons (A Gym health level 1 includes 52 visits a year or something, or a level that includes having sessions with a personal trainer, etc) would have to be flushed out.
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Health care plans are chosen by individuals at the age of 20. Prior to this they are on either a Youth or Young Adult plan that would be separate and geared towards care for those under age 20. These plans would have a lot more for them (need to be flushed out) that would be automatically included. For instance flu shots would be included, check-ups, multiple doctor visits, vaccinations, etc. Each of these should be available but not required. Additionally, a genetic markers test(s) would be covered.
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Initial Genetic Marker tests. There is an idea that having better knowledge of genetic markers as well as knowing whether someone has for example mthfr or factor IV Leiden can help with choosing a Free Add-on as well as provide better awareness for all treatment. Having such a test provided for Free, but not required, at a young age may help prevent vaccine injuries or other situations. Further, there is the variation of nature/nurture over time and advance of technology so providing an additional test for Free, but not required, at age 19 before graduating from the School System would also better help setup the person for their future endeavors.
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Getting other plans, more add-ons, and other types of private insurance would cost more but not necessarily be required. Every person qualifies for the base plan regardless of age, gender, race, religion as long as they are US citizens.
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There would be a base plan that would be for illegal immigrants, international travelers, international students, and similar that would require some payment for services but payment would need to be very cheap. Would need to develop ways to help people in these situations. As well institutions would be allowed to take insurance from other partner countries.
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Benefits: Individuals choose their plan not their employer so if they have different ethical/moral ideas they can choose plans that will work better for them (ie HP doesn’t get to choose the plan the individual person does). If an individual has an issue with certain types of care well they just don’t get that add-on. One might be able to get an add-on that allows for abortions as determined by the state but another person might choose an add-on that includes women’s health but no birth control or such based on their age - it is the individual NOT the employer and not entirely the gov’t choosing.
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There will be a national database and national card that will contain name of the person, what plans they are on and have added, and a couple of identity markers (age/dob, gender (m, f, t)) BUT specific medical information will not be part of the national database.
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Because individuals are choosing their plans and it is based on the individual whether a person is or is not part of a ‘Union’) does not make a difference. Similarly all children get the same health system. The ONLY difference that might come up is that a ‘State Union’ group would possibly get deductions for additional plans for children or when taking care of parents that might alter tax things. However, those additions are at that point designed through insurance companies – the base plan remains the same.
All medical facilities and health care businesses that want to be part of the base-plans, receive federal reimbursement/coverage, or be seen as National Health Plan companies MUST be classified as 2.5, 5, or 10% businesses (see business types: Old Thoughts)