Dr. Cantrell’s Prescription for Healthcare Reform
1. Allow
free insurance competition among all states.
- Competition has a way of bringing prices down and service up.
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2. Enact tort/liability reform to end the malpractice “jackpot” mentality.
- The legal system is important
when negligence occurs, but there should be reasonable caps on awards and attorney fees.
- Lawsuits must have merit,
and there should be consequences to the plaintiff and attorney when they are found to be frivolous.
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3. Some protective legislative regulation is needed.
- No one should be uninsurable, and there should
be a reasonable maximum on extra premium costs for those with serious and/or pre-existing conditions.
- Stop gouging the little
people: effective prices must be published and must be the same for all
payers.
- Clinical trials and off-label treatments should be covered in every state when conventional
treatment fails or holds no substantial promise (currently varies by state).
- There must be a speedy and effective
independent appeals process when coverage is denied.
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4. Make Health Savings Accounts (HSAs) a uniformly available and attractive option.
- They are highly cost-effective
and give both provider and patient an incentive to price medical care fairly and use it wisely.
- They restore the direct
doctor-patient relationship and mutual accountability that third party coverage has largely
removed.
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These plans become an attractive option to the “invincibles.”
- Health insurance premiums must be tax-deductible
for everyone. If we want people to purchase insurance, we can't punish some of them for it.
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5. Revise the EMTALA (Emergency Medical Treatment and Active Labor Act) legislation so it’s
true to its name and its important original purpose. There are millions including many citizens / legal
residents who will never purchase health insurance as long as they know they can get free ambulance
rides and ER care for every case of the sniffles. (It's called free milk vs buying the cow.)
- Providers must be able
to safely “turn away or require to pay” for non-emergency care which is currently bankrupting
many hospitals.
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If a well-designed guest worker visa program is created, ongoing proof of minimally acceptable health
insurance should be a requirement.
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6. If government has a paying role, it should be that of a final safety net for catastrophic conditions.
That can be accomplished without adding any new bureaucracy.