The Government needs to establish a medical equivalent of the Higher Education Contribution Scheme (HECCS) - a Medical Contribution Scheme (MCS) for people who can't afford to go to hospitals and who don't have health insurance.
It needs a good safety net. We need to save people from bankruptcy just because the dice was loaded against them. On the other hand if they put in the bullets and cock the gun themselves that's a different matter. I'm unsure how to deal with that.
With the Hospital contribution scheme people can pay it off over time, or have deductions taken out of their pay packet (just like HECCS) or at the end of their life it can come out of their estate. If there is no estate, if there isn't sufficient income to pay it, then so be it. That's essential welfare that we don't deny people in our society.
There are people quite willing to pay $5,000 to register their car, service it and allow for depreciation, who aren't prepared to look after themselves - and don't want to pay anything for medical care. That's a nonsense. The Government needs to put an end to that.
Whoever invented the policy that says people going to public hospitals don't need to pay a cent wants their head read. Tell me what other government service comes without a fee? If governments want to keep the public hospitals (and they'd be stupid if they did) then they'd make sure people were sent an account. Their inability to pay that account is a welfare matter, not a health matter. It falls into the same basket as those people who can't afford to pay their electricity account.
On the track
Went for a 30 minute run along the beach and around Tomakin with The Decameron. Pulled up a little stiff but put the ice on my Achilles for the rest of the day.
In the meantime stay tuned, highly tuned and take more holidays.
John Miller
www.fitandhealthyonline.com
www.globalbackcare.com
Showing posts with label Medical insurance. Show all posts
Showing posts with label Medical insurance. Show all posts
Tuesday, April 13, 2010
Thursday, February 25, 2010
HEALTH INSURANCE Saturday 20th February
The Minister for Health is allowing medical insurance premiums to rise by 6% this coming year, following a 5% increase last year. How bad is that? Inflation is running at about 2.5%.
Now, why the hell is the Minister for Health involved in the setting of insurance fees? Surely it's up to the industry to set it's own fees.
What you're seeing her is the collision of a number of factors.
1. The medical insurance industry is protected. It's become bloated and uncompetitive.
2. It is not an insurance industry. It is illegal to rate premiums against risk. The companies are acting as escrow agents - an interface between the consumer and the provider of medical services. The more they dole out to the medical industry this year the more they'll collect from mug premium holders next year.
3. Everyone who is a member of a health funds considers it a right to take more out than they paid in.
4. The cost of some procedures is rapacious - anything dental, radiological or surgical.
5. The medical industry keeps raising it's prices because it's a government supported monopoly and because its protected. That protection now extends to the insurance industry. It's all very cosy. The consumer is the loser on all counts. The higher the insurance costs the more doctors are inclined t0o put up their fees. The higher the doctors' fees the higher the insurance costs. The medical and insurance industry are chasing their own tails in an ever upward spiral.
The mug consumer is the looser. A system originally designed to help the consumer is running out of control.
6. And to top it all off, if you don't pay the insurance you can go to a public hospital for free.
How stupid must the Minister for Health be to put up with that nonsense.
On the track
A very hard workout. 60 minutes on the stepper., all over level 8. 1210 steps and 9124 calories.
Then a good strength workout in the gym.
In then meantime don't worry about staying tuned, highly tuned and don't waste time, effort and money keeping yourself fit and healthy; you pay the same health insurance as the fat and lazy!
John Miller
http://www.fitandhealthyonline.com/
Now, why the hell is the Minister for Health involved in the setting of insurance fees? Surely it's up to the industry to set it's own fees.
What you're seeing her is the collision of a number of factors.
1. The medical insurance industry is protected. It's become bloated and uncompetitive.
2. It is not an insurance industry. It is illegal to rate premiums against risk. The companies are acting as escrow agents - an interface between the consumer and the provider of medical services. The more they dole out to the medical industry this year the more they'll collect from mug premium holders next year.
3. Everyone who is a member of a health funds considers it a right to take more out than they paid in.
4. The cost of some procedures is rapacious - anything dental, radiological or surgical.
5. The medical industry keeps raising it's prices because it's a government supported monopoly and because its protected. That protection now extends to the insurance industry. It's all very cosy. The consumer is the loser on all counts. The higher the insurance costs the more doctors are inclined t0o put up their fees. The higher the doctors' fees the higher the insurance costs. The medical and insurance industry are chasing their own tails in an ever upward spiral.
The mug consumer is the looser. A system originally designed to help the consumer is running out of control.
6. And to top it all off, if you don't pay the insurance you can go to a public hospital for free.
How stupid must the Minister for Health be to put up with that nonsense.
On the track
A very hard workout. 60 minutes on the stepper., all over level 8. 1210 steps and 9124 calories.
Then a good strength workout in the gym.
In then meantime don't worry about staying tuned, highly tuned and don't waste time, effort and money keeping yourself fit and healthy; you pay the same health insurance as the fat and lazy!
John Miller
http://www.fitandhealthyonline.com/
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