A Better Way

We all have the right to pursue good health and happiness, but not at the expense of another persons right to do the same. Single payer health care takes away your right of choice. Buy or else!
The only way that universal health insurance program currently in debate can work is to force some people to pay for others bills. The government must take from some and give to others. This is unconstitutional in Rod's opinion. Click here to find out why

It's health insurance not health care. No one has the right to FORCE Peter to pay Paul's medical bills.
If a person gets hit by a car and goes to the emergency room, they get a bill for services.

GOAL: Lower to cost of health insurance to less than $50.00 per month per person. Get as many healthy people buying health insurance as possible.

Problems with existing system

1. The cost for care (not insurance is too high)
2. The cost for insurance is too high because of the cost of the actual care.
3. Shopping for lowest price for CARE (doctors visits, medicine, x-rays, etc) does not exist
4. Doctors are forced to buy huge amounts of malpractice insurance do to the high payouts from lawsuits
5. Doctors are encouraged (Chicago style) to send more patients for needless MRI's and x-rays so the Hospital makes more money. The Doctors that tell me this wish to remain anonymous.
6. Surgeons would rather do a $30,000 back surgery than $1,200 dollars of chiropractic care (Rod has lived this one personally)
7. There is little to no state wide group coverage.
8. State mandated coverage items.

One Solution PACKAGE

1) Remove all federal and state mandatory coverage items (from CHAI) and make those items optional. Example: Gender change coverage should be optional
2) Everyone in their respective state should pay same price (adjusted for age, smoker, cancer aids, and minimal other factors) not that persons individual health conditions (similar to life insurance)
3) Make every person in their respective state should be of one giant group of people to spread finical risk, get better rates, and prevent insurance companies from choosing which people they want to cover
4) A copay must be required or less than 100% of the medical fee to encourage shopping for the best price and help prevent unnecessary trips to the doctor.
5) To prevent people from buying insurance only when they get sick, preexisting conditions must be paid after 2 consecutive years of coverage regardless of the company the individual had before
6) Each person is responsible for their own premium, not the company they work for.
7) Remove the employer provided health care. This will raise wages by removing the sickening trap companies use to keep people prisoner.
8) The insurance companies will naturally have standard minimum coverage plans consistent between all companies.
9) If someone chooses a major medical type of policy then there must be a rolling 12 month deductible rather than a fixed date detectable
10) Injuries or accidents that happen while the insured is out of the state of residence must be paid.
11) Chiropractic and massage and all the items listed here must be offered not mandatory
12) Dental and Vision must be offered
13) No person can be dropped from coverage after 2 years of paying premiums
14) No person can have rates raised higher than others in that same factor group (similar to life insurance)