My Proposal for a New Health Care System HCA/210 John Gaze June 27, 2010 University of Phoenix The United States health care system is facing a major crisis because of the rising costs of health care and the high cost of health insurance, also the increase in co-pays and deductibles, which has limited the availability of coverage to many individuals and families. The cost of health care has risen dramatically throughout the years because of the technological advancements in treatment and preventative medicine that has played a major part in the rising costs.
Many private insurance plans have specific limits to the physicians that are covered and the number of in-patient hospital days that are covered under the plan. This could cause major out-of-pocket expenses if the patients’ physician is not covered under the plan or they require more in-patient hospital days than is covered. Millions of individuals do not have insurance coverage due to the high costs of insurance premiums and this has an impact on their health. The plan that I have developed will hopefully solve many of the problems facing individuals in the United States.
The Health care plan proposal that I have developed will provide access to medical treatment for all individuals despite of their age, income level, or preexisting condition. This plan will ensure all individuals at an affordable rate and the premium will be based on an individuals income level. The plan will also have a broader selection of physicians that are covered under the plan and increase the number of in-patient hospital days that are covered. The vision for my health care proposal is to have an affordable health care plan for all individuals with lower co-pays, affordable premiums, and lower deductibles.
This plan will also allow smaller businesses to offer insurance to their employees at affordable rates. All working individuals will benefit from acquiring an affordable insurance plan no matter if their full or part-time. There will always be disadvantages that individuals will find in any health care plan that is developed, but a big advantage is there will be an affordable health plan offered to all individuals so there will be no population at a disadvantage; therefore this plan will allow more individuals to be covered by an insurance plan.
As a result of all individuals having access to health care, it will cut down on the amount of illnesses and diseases in the United States because individuals will be able to afford to go for annual checkups as a preventative measure. Under this plan an individual will be covered for services provided from head to toe. The only services that will be excluded under the plan are services that are unnecessary. These services would include cosmetic surgery unless it is necessary due to the need for reconstruction from cancer, an accident, or other unexpected incidents that cause the need for cosmetic surgery.
Another procedure that should not be covered under the plan is gastric bypass unless it is necessary due to causing serious medical issues for the patient and prior physician approval is given. Also fertility testing will not be covered under the plan, this is not considered a medical necessity it is a patient choice. In order to make health care more affordable the United States government will put a regulation on the amount that health care providers can charge for services rendered. The regulation will be beneficial in controlling the rising costs of health care. This will be beneficial to individuals and the insurance providers.
With the cost of health care being lower the insurance companies will save on the amount they have to pay out for claims as a result can offer individuals lower health insurance premiums. The lower costs of health insurance premiums will also be beneficial to employers because they would save on the cost of carrying insurance for their employees. The only problems I foresee with my proposal would be the effect it would have on the health care providers. The health care provider might not provide the quality of care that the patient deserves if the cost of their services has been controlled by the government.
Overall I believe that the proposal will be beneficial to the United States health care system by controlling the cost of health care and providing health insurance to all individuals therefore in return helping create a healthier United States Cooper, E. , Taylor, L. (2007-2009). Comparing Health Care Systems What makes sense for the US? http://www. context. org/ICLIB/IC39/CoopTalr. htm Donohue, T. (2008). U. S Health Care-Strengths and Weaknesses http://www. chamberpost. com/2008/02/us-health-cares. html