Showing posts with label FEHB. Show all posts
Showing posts with label FEHB. Show all posts

Thursday, December 24, 2009

My solution for the health care dilemma

I haven't crunched the numbers, but just knowing how the government pads everything and costs go up everywhere when their sticky fingers go into the pie, I think my plan would not only be better, please everyone but would also be cheaper.

First, it would only be for U.S. citizens, native or naturalized.

Second, it would be clear and easy for anyone to understand; changes would have to fit into 10 pages or less.

Third, it would be the best health care found anywhere in the world based on the life expectancy and useful working years of a 40 year old.

Fourth, it would be completely portable and not dependent on an employer or a union.

Fifth, the federal government, not the states, would be responsible for the poor, and no pork would be allowed in determining those benefits, and children would need to be under age 18. The states, however, would have the task to getting the poor into the proper, competitive, market-driven program.

Sixth, Medicare is such a mess, I haven't figured that one out, because my generation has become accustomed to socialized medicine and don't want any claw backs. But then, neither has your esteemed and brilliant Congress. Whatever I come up with couldn't be worse than the current overpriced and easily scammed system.

So what is it?

The current health care system for federal employees.

"The Federal Employees Health Benefits (FEHB) Program can help you and your family meet your health care needs. Federal employees, retirees and their survivors enjoy the widest selection of health plans in the country. You can choose from among Consumer-Driven and High Deductible plans that offer catastrophic risk protection with higher deductibles, health savings/reimbursable accounts and lower premiums, or Fee-for-Service (FFS) plans, and their Preferred Provider Organizations (PPO), or Health Maintenance Organizations (HMO) if you live (or sometimes if you work) within the area serviced by the plan."

Just the choices and options and the number of companies providing the services would bring costs down drastically. If a federal worker moves from HHS to HUD, she doesn't lose her insurance--it's portable. If he's unmarried and has no risky behavior, why shouldn't he take a high deductible and save oodles? If she wants tattoo removal and lasix surgery, she'd be able to buy it with her health savings plan (that's going away under the new take over). If genetic testing shows there's a problem down the road, she'll have plenty of notice.