Friday, June 26, 2009

He probably will ignore me, but I wrote this anyway.

Dear Congressman Hill:

I recognize that my position on the healthcare reform initiatives currently pushed by the White House is not consistent with yours. So I hope you will consider my argument that other reforms can be much more effective than the proposed government-centered proposals.

I believe that as a small business owner who has struggled to obtain and keep a painfully expensive health insurance plan that has to date paid almost nothing for my actual healthcare services, I have standing to make a case in this area.

The fundamental problem with the system today boils down to cost. Physician friends tell me the biggest drivers of cost in their businesses are malpractice insurance premiums, patients who fail to pay, Medicare and Medicaid payments that are often late and more often not enough to cover the actual costs of care, and filing claims with many insurance companies with a different form or requirement for each and hounding them for late payments.

In business, we solve problems in a very different way from government. Since we don't have unlimited taxpayer resources to build a bureaucracy and task it to "solve" the problem, we actually have to understand and solve it on our own. The standard approach is to define the problem, identify alternative solutions, then implement those solutions.

So instead of a government healthcare takeover, why not simply help solve the problems?
Implement a serious Tort Reform that requires malpractice suits actually demonstrate that malpractice has occurred before the case actually gets heard.

Get the insurers to form an industry standards group that establishes a universal electronic claims reporting system, so any provider can simply submit online claims in the same way for all insurers. Permit providers to charge insurers interest on past-due payments, so they stop playing the float on the backs of the providers.

Let private insurers play in the Medicare and Medicaid space, so those who qualify can choose the plan that works best for them individually. My preference would be to outsource Medicare and Medicaid entirely, changing it to a simple voucher that allows qualified families to buy their own insurance in the market.

I believe a bold plan would propose detaching health insurance from employers. Everyone should be free to choose their own health plans on the open market, where insurers may not pick and choose only the healthiest for their plans. In other words, everyone buys their health insurance just like they buy auto insurance. If they want a major medical plan only to save cost, they simply pay cash for routine services.

Ultimately, giving people more control is better than giving them less control (per the government model). The market will compete, people will discover that changing their lifestyles can help them cut their premiums, and insurers will have to compete for customers.

Thank you for considering my ideas, and my hope is that you will vote against any plan that promises a federal bureaucracy that imposes their healthcare decisions on all of us.

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