Originally posted by dadudemon
I really like this idea. And then offer what is called a Medicare Supplement plan for those that want insurance for that remaining 20%. That's the American way: let Americans buy what they feel is best for their needs.The government should offer a minimum. An 80/20 split is a good place to start.
France has a similar system. But they use copays. They have a copay schedule. Some of the more common services have a higher marginal copay cost to the total medical service cost like I was talking about, before. That helps keep the cost for France's universal option, down.
Here's what I think we can do: start with your idea. Maintain that for 3 years. And then adjust after collecting good data. But the plan would have to run for 5 years with the last 2 years being time to debate and put in an adjusted plan.
So, start with your idea in...2020? Then run it just like that through 2025. Then use the data from the first 3 years to draft an adjusted plan that goes into law 2025. Make the law finalization in 2024 to give Americans and the market place time to adjust.
At this point, I think talking about options beyond your suggestion is too nebulous and too much guesswork. We need damn good data. America is different than the UK or Germany.
We are similar to France, sure, but they have a "Medicare for All" solution with a dynamic copay schedule...that won't match up with America very well.
And it will take a while for costing regulations to make a true impact on the market (such as expanded durable medical equipment schedules and Usual and Customary fee schedules for common acute healthcare services).
I guess we can wait for head shakers or the folks that will avoid this.
When you put a plan in place 3-5 years is a minimum time required to gather actuarial data for future outlays even then that makes many nervous.
Ok DDM submit all your hardwork and proposals to your congressperson and make it happen.