Health Insurance Affordability-Competition-Innovation and Streamlining For Better Rates

Any single government health insurance company as an answer to the medical care crisis is a near-sighted mistake that will cause costs to mushroom. What we need is competition, innovation and streamlining insurance companies into using inventive and far-reaching alternatives.

In order to stimulate competition, a voucher system, similar to the proposed school voucher system whereby a parent is given $9,000 to send his or her student to the school of their choice (excluding U.S. Islamic brainwashing schools, of course). A competitive appropriate amount could be given each family to spend on the insurance provider of their choice. But, its the bookkeeping costs many worry about.

Innovations for patient outsourcing could lower insurance costs. For instance, some Canadian hospitals do appendices operations of 80% less than U.S. hospitals and because they specialize in that procedure, their recovery rate is 92% greater than those of most U.S. hospital. At 80% savings, and better rate of recovery, thats a deal! Also, Indian and many other foreign hospitals deliver the same or better treatment than those found in the U.S. and at amazing savings. Its multiple times cheaper to put a patient on a plane and outsource them for treatment. That would appeal to many a policyholder in return for a lower health insurance premium expense

For others, a $10,000 or $20,000 deductible makes more sense if they could receive a cost benefit. After all, what they want protection against is the BIG one, the expensive 6 months in the hospital one. For many, the little stuff can be handled out of pocket. Many states dont allow high deductibles. Too often states hamstring insurance companies with restrictions and practices. The federal government needs to enforce all states to allow free competition without restriction for health insurance entities in order to broaden the mix.

How about allowing insurance companies into every state that only recruits athletes, non-smokers, non-drug users, fit folks, monogamous folks who dont sleep around and get STDs and such. Their actuarial cost would prove lower and result in lower premiums.

The elimination of restrictive American Medical Associations standards is mandatory. Too often highhanded restrictions eliminate competition. Perhaps constricting entry into the marketplace makes the doctor more god-like because perhaps of their rarity is someones idea of progress. Ive seen kids who flunked out of school become excellent type A auto mechanics and Ive seen A student medical doctor give the bad advice, commit unneeded operations for the extra buck and perform the dumbest acts.

Auto models change every year. Parts change, technologies change. The human body basic model stays the same. It seems the auto mechanic often has more to consider and manipulate than medical doctors do. Perhaps mistakes are more costly for the doctor if the patient dies. Barring heart surgery and rebuilding an entire engine, most medical specialty procedures become routine.

The 80:20 rule applies with doctors as well as auto mechanics. The top tier is the best and from the school of care and that approximate ratio is found in every profession and occupation. The bottom tier also exists in every occupation and profession. Making someone go through 8-years of school does not make them a better doctor. A man or women with commitment care and hands on training does.

Or put it another way. If one reads the electrical code, completely wires a house, installs the switches and electric panels, mast and all devices in 4 or 5 houses and gets approval by the electrical inspector, what more is there to learn about wiring a home? Yet it takes a 5-year apprentice program before states allow that person to become a licensed electrician. And theyre licensed and charge more. Becoming a master carpenter is harder to learn, will take longer on the job experience to master all the ins and outs and they get less pay and, by the way, theyre not licensed.

The AMA limits doctor competition to universities by enrolling only A students and requiring long years of study. High. C students in the U.S. who want to become medical doctors have to go to India, Grenada and other foreign countries and then return through the back door and apply their trade. If auto mechanics followed suit, it would cost a fortune to repair cars.

By increasing enrollment in medical schools and streamlining certifications, more doctors would be available. More competition would reduce doctor costs to the individuals and deliver more care. Licensing has become ridiculous to the point that you need to hire a $250 a visit podiatrist to cut someones toenails and Medicare will pay for it!

Consumer advocates need to tie up special interest groups in Washington and elsewhere to streamline common sense and competitive health insurance measures into the market place.

Multiple Health Insurance Quotes Multiple Quote Shopping For: Auto, Homeowners, Medical Health Plans, Life, Business and Group Plans\r Featuring the largest selection of major medical health plans from leading companies.

Individual, families & students
\r Small Businesses Health Insurance
\r Dental Insurance Plans
\r International Medical Insurance

Affordable COBRA Insurance - Health Insurance Competitive health insurance quotes! Cobra insurance quotes from major plans plus a wide selection of quality short term, student, travel and dental plans.

About Online Term Life Insurance Rates
Online term life insurance ratesHow simple it is today finding online term life insurance rates. At the click of your little ...

Afforable California Group Health Insurance
Health, beyond any doubt, is one of the most important issues we face. Taking care of health is not just about curing various...

Afforable California Group Health Insurance
Health, beyond any doubt, is one of the most important issues we face. Taking care of health is not just about curing various...

ROI Re-examined
Measuring Return on Investment (ROI) is a solid business principle that helps guide corporate decisioning. However for purpos...

Change Management and Why You Need to Understand It
In the fast-paced corporate environment change management is something that occurs even faster than it ever has before and th...

HR Cannot Drive Corporation Innovation Alone - 3 Elements to Learn
In a push to remain competitive in the global economy, innovation has become a critical element in long term corporate strate...

Free Health Insurance Quotes
Why waste time calling one insurance company after another to get health insurance quotes? Just as term life insurance rates ...

Cheap Student Health Insurance
Students are typically more prone to go without health care coverage than those who are older because of their perceived invi...

Rising Insurance Costs To Blame For Lack Of Health Insurance In The Workplace
The percentage of companies offering health insurance dropped to approximately 60 percent in 2004, down 3 percent from the pr...

Individual Health Insurance Policy - What To Look For
I have seen all too many times a person leave their job that had covered them under a group plan only to find that due to a ...

Affordable Child Health Insurance
There are different types of affordable health insurance plans, including affordable individual health insurance, affordable ...

Affordable Health Insurance in the U.S.
Health insurance policies differ from country to country. Many affordable health insurance companies in the U.S. are very com...

Term Life Insurance Rates
A term life insurance covers a person for a substantial period of life, such as ten, twenty or thirty years. A person has to ...

Cheap Term Life Insurance
Cheap term life insurance is not an oxymoron. In the past 5-10 years term life insurance rates have dropped dramatically. Why...

Ideation - As a Profit Tool
Ideation is a process of generating commercial and technical ideas of product marketing and development. In other words, Idea...

Online Health Insurance Quotes - Try This Easy Way to Get the Cheapest Rate
Ok, so you now pay all of your bills online, you shop for and compare your auto insurance rates online, you transfer funds be...

Mortgage Insurance - Who Does It Protect?
When having a mortgage loan it is never a bad idea to have mortgage insurance. Thisis coverage for the lender if for some ...

Get Cheaper Health Insurance With These Time-Tested Tips
You can get cheaper health insurance rates: Some ways of bringing down your rates could compromise the quality of coverage yo...

Your Health Insurance Rate - Do You Know How It’s Calculated?
There are several things that are considered when your health insurance rate is being calculated. We'll look at a number of t...

Where to Get Cheap California Health Insurance Quotes Online
Health insurance is in crisis in California, as it is in much of the United States. If you're without insurance you can find ...