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If ObamaCare is bad, what would be better?

By Dr. Alieta Eck

ObamaCare is a wildly unpopular law for anyone who knows anything about health care. The election proved that.

Perhaps it is time for the politicians to admit that the government cannot provide health care. Period. All government can do is set up an administrative scheme that pays many people to decide who qualifies for which government program, gives out entitlement "insurance" cards, but then underpays for the actual care. Bureaucrats get paid while physicians do not. Taxpayers get fleeced.

Before 1965, the administrative costs in a doctor's office were negligible, especially when it came to caring for the poor. Typically the doctor would not even bother to write out a bill. For the average patient, the doctor charged a reasonable fee and if the patient had insurance, it was his job to get reimbursed. People bought "hospitalization" insurance policies.

Today the poor seek Medicaid — the huge state and federal program that entitles the recipient to "free" care. But since the physicians must fill out forms only to be given a fraction of a reasonable fee several months later, most refuse to take Medicaid at all. So Medicaid recipients with sore throats inappropriately clog up the emergency rooms with twice the frequency of the uninsured. The system is expensive for taxpayers, demeaning to patients and generally unworkable.

An innovative solution to our health care crisis would involve several layers of care.

The first layer could involve the average person paying his doctor directly for services rendered. Paperwork would be minimal, patient-physician confidentiality would be maintained, and prices would be kept down by simple competition. Living healthy lifestyles would save money.

A second layer would be personally obtained, non-cancelable health insurance for unforeseen major medical maladies and accidents. These policies should have the coverage and deductible that fit a family budget. The states should merely oversee that the contract terms are met, but not mandate what is to be covered.

Thirdly, safety-net, nongovernmental charity clinics could be scattered throughout every county in every state with each clinic deciding ways to determining the eligibility of those seeking the free care. ...

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