How To Provide Health Care Reform for All?

This country has been attempting to achieve health care for everyone for decades. Health Care Reform will require timely access at an affordable cost to have any chance of benefiting the American public. The Congress has suggested several proposals of health care reform. The House of Representatives has two health care proposals and both of these plans call for a government-controlled program that the public in town halls across the nation has rebuked.

Approximately 47 million Americans are without health-care insurance sometime during the year. Several million of the uninsured are young people whose health is good and they choose to do without health-care-insurance even though they have the economic-means to purchase it. Millions more of the uninsured are undocumented immigrants. This leaves us with approximately 15 million Americans denied health care either because they lose their job, have a precondition health illness, or they simply do not have the income to afford health care coverage. About 80% of the public is content with their current coverage but they are concerned with the rising cost. Therefore, controlling rising cost and insuring the 15 million uninsured appears to be the main needs of any health care reform proposal.

Government Employees Insurance Company [GEICO] provides federal employees with auto and life insurance. GEICO operates in the private sector and most of GEICO is now available to anyone that wishes to participate in his or her coverage. Employees of the federal government have an excellent medical provider program. The federal employees get their medical insurance in the private sector. The same program available to federal employees should become available to any citizen or American company the same way GEICO is. Low-income people could be provided vouches [pro-rated] based on income to acquire the coverage.

Tort reform is a must in order to control rising cost of medical attention. Doctors, to protect themselves from lawsuits conduct expensive and wasteful medical examinations. These defensive examinations drive medical coverage prices equal to or more than most of the cost needed to provide medical insurance for the 15 million uninsured. Therefore, tort reform must be part of the solution in controlling the spiraling cost of health provision in America.

Small businesses and individuals should be able to purchase health insurance at group rates. Many states only allow a few companies to sell health insurance in their state, thus restricting competition and increasing cost. Individuals need the ability to purchase health insurance from any insurance company nationwide. Insurance companies must be required to provide health care to all people with any precondition illnesses. Also, insurance providers should not be able to drop current coverage for people who develop an illness. Insurance should be transportable for people who lose their job or leave their job. Duplication of a patient's medical test should not be required when another doctor sees the same patient, unless a second opinion is required or requested. Duplication of medical examinations is a costly and wasteful use of resources. Individuals need the option of purchasing major medical insurance coverage, which surpass a previously agreed amount. Major medical insurance is far less expensive than full coverage insurance.