U.S.A. FREEDOM HEALTH CARE

U.S.A. FREEDOM HEALTH CARE
Step one- All bills generated for the benefit of each patient at every hospital and subsidiaries thereof must be presented to the hospital and presented to insurance or H.S.A. as a single bill. A SINGLE BILL(ER)instead of single payer. PROBLEM SOLVED: It is fraudulent to subcontract doctors, labs and others to work within hospitals that do not accept the insurance of the patient while the hospital itself claims to be partnering with any insurance payer. This will eliminate much of the medical bankruptcies plaguing us.
Step two- Hospitals establish Health savings accounts for any and all of the general public that wish to sign up with that particular Hospital and satellites / subsidiaries. All services rendered to members will receive a l0 % discount on services performed at any contributing member.( THIS IS MUCH BETTER THAT THE BULLIED REDUCTION OF BENEFITS PAID CONTRACTED BY THE INSURANCE COMPANIES.)MANY PROBLEMS SOLVED. Public chooses hospital as “home account” based on annual reports put out by hospitals on:
Mortality rate on STANDARD PROCEDURES.
Complication rate on STANDARD PROCEDURES.
Price comparison on STANDARD PROCEDURES.
Patient satisfaction survey on STANDARD PROCEDURES.
SPECIALTIES LIKE TRANSPLANT UNITS AND UNIQUE HIGHER RISK AREAS
ARE EXCLUDED.
( Let the free market work. )
A. Hospitals will be driven to provide the best care at the lowest price to draw in more members to the H.S.A. of their own hospital.
B. Unnecessary testing and procedures will be self-destructive to member count and success of H.S.A.
C. Poor quality of care by lack of innovation, pull-back on the best and creative options or referrals will damage institution’s image and thus cause withdrawal of H.S.A. members.
D Five star hotel type patient rooms will be a thing of the past. It will much more important to the general welfare of public and healthcare system to invest in the people that they care for through lower bills and reserving money to purchase technological advancements.
E. Overpaid executives and underhanded backroom deals with insurance companies or pharmaceutical labs would destroy member numbers of H.S.A. and further inspire hospitals to self govern.$$$$$$$$$$
If 50,000 people sign up for one hospital at$200.00 per result in month, it would be $10,000,000 /month- would it not be possible to have the best ,by far, medical system in the world? By far? Farther than ever?
Medicare and Medicaid would be honored at current agreed upon rates. Any single member would agree to cover the first $1000.00 annually of health care costs. A family’s maximum would be $3000.00
People can “opt in” to donating an extra $ 10.00 per month to help those with catastrophic medical conditions thus keeping the cost down for everyone and it will be there if and when they need services themselves People can ‘opt in” to donate to the under-insured, ( people not in H’S’A.) or others falling through the cracks. This will also keep health care costs down.
When traveling or out of range in or residing in rural areas, other hospitals and clinics will accept payment from home hospital’s H.S.A.
When seeking specialties from other hospitals, the H.S.A. will honor those bills.
H.S.A. balances may be willed to others if there is a positive balance at the time of death.
Full tax deduction benefits allowed to members or any employers that wish to make a direct contribution to the individuals H.S.A. (Until we fix the tax code to a tax that is fair) .
Prescription drug providers will compete for the wise and informed dollars spent on prescription drugs by members of H.S.A.
GETTING THIS????? NO THIRD PARTY.
The reason that we haven’t come to the right answer is that we are always trying to interject a third party to control and profit from our fear of illness, injury and the financial hardships health services create. It is wrong and will never work whether it is the government (the Great abyss of lost money) or the lucrative insurance companies. ‘THE PEOPLE AND THEIR DOCTORS CAN DO MUCH BETTER LEFT ALONE!
The government ( just a group of people) can monitor the legality of H.S.A. risks and investments as they would any other account through existing regulations but, with a new concept of people actually doing their job!
Independent doctors and others may that may not have privileges at “home” hospital will bill the H.S.A. as they would any insurance company. Contributing doctors will accept the same l0% discount. Once again…this discount is nothing compared to bleeding from the insurance companies and the patients never see any benefit of that. As a matter of fact they experience the hit in quality of care or higher bills because of it.
The labor force for the hospitals to staff this organization would be simple compared to the problems hospitals go through with insurance companies. There will be one comprehensive bill presented to the H.S.A. f,b.o. the patient.( or to private insurers should patients choose to remain with them).
No co- pays or annual deductibles are charged to the H.S.A. member. Members pay their own costs of $1000.00/$3000.00 for their first doctor bills throughout the year, whatever they are. Elective procedures are not covered unless medically warranted. Eg.(breast reconstruction after mastectomy….. yes, but,…breast implants for strictly cosmetic purposes….no)
Once every 12 months after the annual report stating the criteria listed above and monitored by a “clean” auditing firm is released, people can move their H.S.A. to another home hospital without any prejudice or penalty during a 50 day window. At any point in time that a patient needs different or extensive care in a facility that offers excellence in treatments and all medical ‘protocol’ that the ‘home’ hospital does not meet the standard, the patient can move their account.
Separate contributions may be made to long term care accounts that would be reserved for nursing facilities (not re-hab as it would fall under general account).
Government run or insurance run…they are both wrong. The people and their doctors can do it best- The heroes in this scenario will make this type of health care possible. Over time it will be interesting to see if we protect it or let greed destroy yet one more good thing.
NOTE TO THE READER- We will be able to tell which ones of our elected representatives are
A. owned by the greed machine of insurance companies,
OR
B. be Hell bent on the government (a group of people) controlling our lives and eliminating freedom by the way that they respond to the best solution

            BACK DOOR DESTRUCTIVE MEDICARE FRAUD

STOP it Now!!!!! – Citizens in the Medicare program are being stolen from by the doctors, hospitals and all types of health care providers. Here is how…..

Fraudulent bills look like this:

A                                              B.                                      C.                              D.

Usual charge                  Medicare                       Medicare                 Patient

Non-  Medicare             approved                       payment                  balance

Patients                           amount                           80% of  B

$100.00                           $80.00                            $64.00                    $36.00

…………………………………………………………………………..WRONG amount

BILL SHOULD READ !

A                                                B                                     C.                                  D.                       Usual charge                  Medicare                     Medicare                     Patient

non-medicare                approved                     payment                      balance

patient                              amount                         80% of B

N/A                                    $80.00                           $64.00                        $16.00

………………………………………………………………………………RIGHT amount

Patient balance D $ I 6.00 RIGHT AMOUNT! ! ! $36.00 WRONG AMOUNT!!!!! MEDICARE PROVIDERS MUST ACCEPT THE MEDICARE                             APPROVED AMOUNT AS  FULL PAYMENT!!!

Now imagine this on a bill containing line after line of medical bills for a hospital stay, lab work surgery, medications, x-rays and so forth. Just the bills from one provider can add up to thousands that were never due the health care provider. Imagine one line of a bill for surgery!!!!!

Settling my mother’s affairs I was made aware of this by her supplemental insurance. It took a while to figure out, but after I did, I demanded that all of her health care providers send me a real bill or I was going to report them. It made me very angry to picture an elderly person that has already given so much to the rest of us being totally devastated by bills that were not owed. Can you imagine someone’s beloved parent or grandparent being attacked like this after a husband or wife died? They do it. Our elders are not only grieving but may be at further health risk because of financial destitution and illegal predatory billing practices.

NEXT…

See how it works when you have supplemental insurance.

Fraudulent bill! ! !

A.                                   B.                      C.                   D.                    E.                    F.

Usual charge      Medicare      Medicare     Balance     Supplement      Patient

Non- Medicare   approved     payment                             insurance         balance

Patient                    amount         80% of B                              80% of D

$100.00            $80.00           $64.00          $36.00           $12.80           $23.20

LOOK!!!!!! The total of payments received by provider equal

$64.00 + $12.80 +$23.20= $100.00

NOT THE CONTRACTED APPROVED AMOUNT ALLOWED BY                                                                                   MEDICARE !!!!!                                                                              They are getting full pay as if the patient had no insurance!!!!

Correct Bill !!!!

A.                                  B.                        C.                    D.                    E.                       F.

Usual charge       Medicare       Medicare      Balance    Supplemental     Patient

Non Medicare     approved       payment                          insurance pays    balance

…………………………………………..80% of B                            80% of D

N/A                      $80.00              $64.00         $16.00        $12.80            $3.20

$3.00-$20.00 and much , much more $ on each line totals into the thousands paid by each patient…This is stolen money NOT DUE TO providers!!!!!

                                      EASY AND INSTANT FIX ?

ANY MEDICARE PARTICIPANT CANNOT PUT USUAL CUSTOMARY CHARGES  ON ANY BILL.FOR ANY MEDICARE PATIENT…PERIOD

We could take a sampling of bills presented to Medicare patients from all over this country, from all different kinds of providers and see the same sad, sad attempt to  steal from our oldest generation.

ENOUGH!! !! WE ARE BETTER PEOPLE THAN THIS! l! OUR ELDERLY HAVE GIVEN ENOUGH TO MAKE THE WORLD A BETTER PLACE IT IS EVIL TO TURN A BLIND EYE AND ALLOW THIS OVERSIGHT TO ENABLE TRUSTED HEALTH CARE  PROVIDERS TO BE THE CROOKS                                                     THAT DESTROY THE PEOPLE…

DO SOMETHING GOOD THAT MATTERS…MAKE SOMETHING                                                              RIGHT!

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