Single Payer Vs. Dual Payer:
- The problem with healthcare today is that it is the number one driver of bankruptcy, which creates a cycle of poverty which is almost impossible to break. We are all one accident or serious illness away from losing our homes or everything we’ve worked so hard for.
- My Dual-payer is focused on changing the laws so that insurance companies cannot abuse patients, and creating a public/private partnership with ‘Comprehensive Medicare’ to provide every single person with health coverage without fear of bankruptcy.
- 49% of Americans are covered by employer-based health insurance, an additional 6% by non-group coverage – totaling 55%, and another 14% by Medicare – All of which is administered via commercial carriers (the government does not administer Medicare). That leaves roughly 29% on Medicaid or not insured.
- So why should the Federal government, and all us tax payers, take on the additional cost to insure over 55% of the American public when Employers & individuals are already willing to pay it themselves?
- Our goal is to cover that 29%, and ‘reasonable’ deductibles – so no one is out of pocket!
- So why not develop a plan that raises the level of coverage, eliminates junk insurance, and encourages commercial insurance to expand to lower economic ’employer-based’ brackets?
My opponent has mentioned running ‘data driven campaign’, and saying the notion that ‘America wants to choose their healthcare plans is wrong’ – that you want just a single payer plan.
- So lets look at the data – 53% of Americans want Medicare for all (Kaiser Family Foundation Stats), and 77% of Americans want a public option – which means people really do like having the freedom to choose. And Dual-payer provides for all of that, but also allows us to level the playing field, so that it is affordable for all.
My opponent is basing her idea of healthcare reform on 19 year old plans, advocating tearing it down and start all over. Think about that for a moment – If you live in an old house and want to update it, do you tear it down completely, or work with what you’ve got, and remodel it to make it better? Which is a more cost-effective way to get that ‘new house’?
Dual-Payer IS the most cost-effective way to get that ‘remodeled’ healthcare!
If you ‘re interested in getting a little more into the weeds of this plan – keep scrolling down part the video…
Healthcare: My ‘Dual-Payer Plan’
Under Dual Payer, all commercial insurance, union insurance, or your plan through the ACA will always be first payer for healthcare costs. Comprehensive Medicare will pick up the rest.
All people will be fully covered, utilizing both commercial health insurance or the ACA, with Comprehensive Medicare as the secondary payer.
You will get to keep whatever insurance you already have – If you like it that is. It’s still a free market under my plan, so you are free to get your primary coverage from anywhere.
The Dual-Payer Plan will leverage existing resources, cutting down on many administrative costs, will maximize utilization of the already cost-effective parts of the system, and will mandate that commercial insurance plans have a minimum offering standard that models ‘Comprehensive Medicare’ – eliminating ‘junk insurance’.
Dual-Payer will also will ensure that all health insurance companies and plans implement pro-active ‘Preventative Care Plans’, to help people to stay healthy – also limiting costs.
And under Dual-Payer, 2.69 million insurance workers will not be put out of work. And it will not cost $ trillions to run.
- Drive commercial insurance and Comprehensive Medicare costs down through free-market competition.
- Drive commercial insurance, through free-market competition, to provide health insurance coverage to lower-income markets.
- Lowering costs, using commercial insurance as a resource to continue handling Comprehensive Medicare administrative functions, thereby saving the government and the taxpayers a great deal of money.
- Eliminate the need and expense of Medicaid and Choice (Remote VA) – a tremendous reduction in direct cost, that will help reduce indirect and administrative costs and increase Dual-Payer’s cost effectiveness,
- Eliminate need for Choice by supplementing VA benefits, which also means that, no matter where a veteran lives, quality care is as close as the nearest medical facility that provides that necessary care.
- This takes the load off the VA hospitals without privatizing them, and also ensures that veterans get the attention and care they need, when they need it.
- Include a complete repeal of all negotiation restrictions on Medicare’s ability to negotiate for pharmaceuticals and other healthcare products, finally introducing a true free-market approach, helping to drive costs down even further.
- Stops commercial insurance from offering ‘junk insurance’ plans with high co-pays or deductibles.
- Cover all reasonable deductibles not covered by primary health insurance.
- Comprehensive Medicare to seamlessly provide coverage if you lose your insurance coverage through work.
- Full Comprehensive Medicare coverage from the economic point where the commercial insurance and ACA can no longer provide healthcare coverage, down to $0 income level.
Some insurance industry professionals have pushed back against this plan – because at first glance, they think it threatens their livelihood. Restructure – yes, threaten – no! Keep this in mind; “It is difficult to get a man to understand something, when his salary depends on his not understanding it.”(Upton Sinclair)