When people think about taxes, they usually think in ways for the wealthy or rich to pay less. Of course wealthy and rich people earn way too much to qualify for affordable healthcare programs because they are either insured along with their high paying jobs or they make so much money that the cost of healthcare will never leave them broke. But what does that have to do with low income people and incomes considered to be middle class? Nothing, absolutely nothing. Such people are not put in tax positions to subsidize low incomes for state or government programs, any more than they already do. Rising health insurance premiums don't affect the wealthy folk in that you won't find them eating one meal a day or skimping on medications so that they last longer or bundling up with layers of clothes to avoid turning on the heat or using a hot plate so that they reduce the amount of electricity, or not even using lights. This is all so costly. There has to be a way to reduce the amount of money middle and low income people pay as a result of high health insurance premiums. The subsidy an individual or family receives still does not make health insurance affordable for those people who earn under a certain amount. There are people who pay almost half or even a full paycheck of income towards monthly premiums. What is needed? There should be a tax cut for those who pay for their own health insurance. The amount that you contribute would be deducted and thus put one in a lower tax bracket or income. What does that do? This means that you would pay less in taxes due to the deduction of the yearly amount of health insurance premium paid for the year. This ain't double dipping. People barely make enough for the basics and have health insurance deductibles that they cannot afford to pay, this is just awful. How in the world does Congress expect someone who earns less that $30,000 a year to pay for $7,000 worth of deductibles that does not include the cost of monthly health insurance premiums that they still have to pay for? That is double dipping! You pay a high cost of health insurance premium and then double that amount or one and a half it for the deductible. Seriously! How are these people expected to keep a roof over their heads, eat food, have clothes and get to and from where they have to go and let alone save for retirement? It should not matter if you take the standard or if you itemize deductions, if you pay an exorbitant amount of health insurance premiums a lower tax bracket should be considered, then of course a certain percentage of any deductible paid out can be deducted, this would help people who need low cost health insurance the most. Tax cuts, somewhere in the middle!
I can't wait to get old. You say don't rush it but think about it. The way things have gone, low paying jobs that keep you busy enough to not think about anything else. But that's probably a good thing. The misery of it all. Most often times I think about the future and how I want it to be especially with "contemporary medicine". I want people of my generation to be able to access healthcare from their own homes. Telemedicine is a thing of the present and we need to be able to allow patients to dial in and then have physicians provide them instruction by chat. This by be done with the use of technology that connects to any device phone, computer or tablet or TV. Just think having your temperature, blood pressure and other vitals done without you leaving your home. But what about UTI's or urinary infections? Even those too. Those over the counter strips that patients can purchase will be able to determine if such infection is present and a physician can also view it via chat. Yes, "I'm gung-ho!" about all of this because I would have liked medicine to be more patient independent. When a patient begins to use what technology that is available to them them it all makes sense in that you don't lose time from work(unless of course you want to) or other obligations that you really need to be doing but are not able to because you are now sitting in a physicians office waiting to be seen. Complex matters obviously need the consult and expertise of a physician, but there are many other health conditions that can be managed rather patient independent, so that ones life is not delegated to being in and out of a physicians office or hospital unless you want it to be. That patient independent factor is my concern. I ain't one to be relying on a bunch of folk that I have the strangest feeling that I have much the same intelligence. It's just not me so I just get into being myself and doing much the same. I want a career, that involves telemedicine, as you know by now I am not a people person. So I have this distance about me that allows me to keep my sanity. Because people all have their dependencies, hang-ups, evils, desires, simpleness and maybe even inability that can affect other people and really disrupt things. I like that technology that creates patient independence, but still allows medical assistance if it is truly needed. I want health in general to be combined with technology that allows a patient to discuss an issue from wherever they are that allows them to continue life and living on a daily basis, which means without the daily in's and outs of a physicians office. As you know that other stuff just ain't me. Now I'm not saying a patient has to have an implantable chip into them so that a physician can monitor them at all times, at least not yet. But, we can continue on in developing technologies that allow body patches to be worn that detect cancers on certain parts of the body or even UTI or other kinds of infections. These types of external laboratory patches can be connected to HIPAA compliant software that allows a patient to monitor abnormal levels or to seek immediate treatment when test levels are too low or high that indicate definite presence of disease. This is what telemedicine should involve. You wear a patch and monitor your health and do all things to stay healthy and chat telehealth. If it is found that you need invasive procedures then, do you what you feel is necessary. Afterwards, you can still monitor your progress via patch and telehealth so that your life is not one huge medical office day after day. Think of all you can accomplish once medicines and monitoring treatment can be done outside of a hospital or medical office. This does not take away jobs from people because you will always have patients who will require in office or hospital care, but for those who are healthy enough to do this telehealth type of medicine, it will create a life of patient independence. Remove the ball and chain from your physician and use the telehealth approach instead!
You know that most medical record access is available on line through you physicians EMR. I guess if it were that simple to get patients to access their health records online then the job of the medical front desk people would not be so burdensome. For example: lab tests. When you do labs in the office and or give a patient a prescription to go to a hospital or lab to have tests done eventually they get put into the patients electronic medical chart or health record. This enables a patient to have access to their lab work and discuss it if necessary with another visit or telechat with their physician. But the problem here is that sometimes computers become difficult for many to navigate. There are also situations when patients want access to their medical records to take to another physician and if they were to be able to access the EMR they could obtain what they need as far as medical records are concerned, either for themselves or any other medical facility that needs them. This should be a requirement so that patients no longer take issue with waiting so long just to see their lab test results or other tests that they may have had. Strange, but a patient may see a specialist and will not contact that specialist for the results or a copy of them, they just insist on contacting the primary or internal medicine physician. I then ask, what was the sense of going to the specialist? We need a patient EMR overhaul that will allow a patient to easily access their medical records instantly from more than one facility. Why? Because many patients see more than one physician and not everybody uses the same EMR, so there needs to be a way to have a universal and HIPAA compliant sign on or log in, that would enable a patient to access their medical records from any EMR that their physicians use for electronic medical records. Let's say the National Medical Record Access is a huge database full with different EMR systems from hospitals, medical groups and facilities. They enable a patient to access their own health information. All the physician's office, hospital or medical facility has to do is to sign up their office and provide their EMR information and the EMR vendor will sign up with the National Medical Record Access also. Once this is done a patient can use their log in information and answer security questions and unique National Medical Record Access identification, so that they can get their lab results and consult notes from the various physicians that they visit. If a patient has a scheduled follow-up to discuss their results then they can discuss them at that visit unless the physician contacts them if a result requires immediate attention. But, at least they have their lab results without having to wait for a physician's office to send them since the can access them from the comfort of their own home. This is ideal for patients who have busy or hectic schedules and are not always able to visit a physician, especially if the medical office is a distance away and public transportation is not exactly convenient and for results telechat would be the best way for a physician to talk as a fee for service and for all of the patients questions to be answered regarding their results. Patient access should certainly be a thing of the present!
The government has deceived the medical industry. How, you may ask? Well here goes. Several years ago health insurance companies implemented managed care plans to enable persons on Medicaid to be able to have access to health insurance and physicians that accepted traditional health insurance plans. This was to provide a wider access of physicians and facilities who could otherwise decide not to accept Medicaid. This was great or so many front desk workers thought. It at least seemed that private healthcare companies would get federal money to sustain such a program to be able to insure people who would probably be eligible for regular state Medicaid programs. People who were eligible for such managed care programs would then obtain the health insurance and as long as a physician or facility accepted the "traditional" health insurance plan then all would be good. Since many health insurance companies offer different hypes of health insurance, of course depending on how much you are willing to pay. As time went on and patients were seen by physicians who accepted managed care plans, it removed much of the red tape as they say from the front desk office or any other office who would have to assist in making sure each physician in an office or small group was enrolled. Dealing with the state or government is usually very cumbersome. Many people were under the impression that managed care was just that and not an 80% to 20% situation. By this I mean that if a traditional insurance company were of a managed care entity then that insurance company would have probably arranged it with the government funding within each state. The government funding would then be responsible for the excess or Medicaid payout, that the traditional insurance company would not have to pay, since they are managed care they are able to combine regular or traditional health insurance care and include those who would be only eligible for Medicaid under one health insurance plan. It would seem that traditional health insurers have revoked their stance on healthcare in that they want to just "offer their portion" of health insurance under the managed care plans and then have Medicaid be billed separately, for a patient visit. My question is very simple, how can an insurance company consider a type of insurance it offers managed care if they exclude Medicaid or the Medicaid portion of it? This seems to be that it would no longer be managed care and and now just considered traditional health insurance. This is very much similar to Medicare in that you need a secondary health insurance to pay for the cost of a medical visit. Patients who have Medicare managed healthcare plans have physicians who accept Medicare. Medicare is usually obtained for those who are retired or on disability ect., this means that a young low income individual who is basically healthy would not qualify for Medicare. So here goes, physicians now have to accept Medicaid in order to see patients that have managed care health insurance plans. This is because these patients have Medicaid for medicare care. Medical offices and the front desk are extremely busy with patients who have many different health insurance plans. If a physician is now required to accept Medicaid in order to see a managed care patient, then it is deceiving because what the government just did was have physicians accept patients under the guise of managed care and all along they had them see Medicaid patients; especially now since the physician must now accept Medicaid. Busy medical offices and front desk people when this occurs, too busy! The process of becoming a Medicaid provider is not 1,2,3, hey you're dealing with the government. There are no lemon laws on health insurance-and we wonder why, and somehow I think that was what the government was trying to prove!
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