Far too many people are left homeless and impoverished merely because of catastrophic emergencies and in some cases, because of illnesses and disease. Furthermore, options are often unreasonably limited in addition to being overly expensivei. As if that is not all bad enough, even the selection of available doctors is often very restrictive and it may be impossible to find specialists that are capable of accepting payments from many different insurance companies.
A single catastrophic illness or disease could literally bankrupt an entire family under the current insurance system, even in many places currently touting “free healthcare” … as long as it is a government approved treatment, and you do not mind the waiting list … and on and on and on. If you really believe in the entire abortion argument about “My Body! My Choice!” try demanding holistic treatment free of the chemical drugs of the pharmaceutical corporations that, even when properly administered and ingested, kill an average of one hundred and twenty thousand people per year in the United States alone. Try demanding city water without the presence of fluoride that is known to have detrimental impact on humans when ingested. The fact of the matter is that medical care and treatment leaves a lot to be desired … but can it be accomplished without punishing the tax-paying, productive members of society?
In the United States of America, medical emergencies including accidents and devastating illnesses are the leading cause of bankruptcyii. According to a report from the Kaiser Family Foundation dated 2016, over one hundred million people (and in many cases their families as well) are driven to bankruptcy due to the costs of health and medical care and treatment.
In some instances, the bankruptcy that ensued, prevented the patient from continuing and/or completing their treatment, sometimes inevitably resulting in their untimely … and altogether preventable and premature death. This problem seems to be even further exacerbated by the inflexibility faced by the insurance industries and the seemingly endless amount of bureaucratic and regulatory red tapeiii involved in these cases.
The end result is an endless cycle of increased costs and reduced treatments for the patients. All of the data indicates that it is a system that is broken and needs to be replaced not repaired, no matter what type of system it may be. From a strictly legal definition, health care and medical treatments are privileges and not rights, but from a humanitarian perspective, it is difficult to imagine healthcare being anything other than a basic right for all of humanity. Some believe that socialist medicine is a viable alternative, but still, there are as many drawbacks to such a system as there are benefits, not the least of which is all-too-typical government and bureaucratic inefficiency. This should be very well evidenced by the practices of the Veteran Affairs hospitals in the US.
It is interesting to note the fact that so many of the upper echelons (the rich people) from countries that do have socialized medical care, often come to the US private hospitals for treatment. While the available health care in the VA may be grand in some select cities, it generally gets increasingly worse the further it goes from the large population centers. Public hospitals are forced to charge outrageous sums just to provide an aspirin, though this is in large part due to people without insurance being forced to utilize emergency rooms as their primary care provider. The system is broken except for those that can afford the luxury … so how does that serve as a role model here?
By the very nature of the way the socialized medicinal and healthcare programs are funded, they unnecessarily burden a great portion of the general population, at least in so far as burdening the producers with added costs that adversely impact the entire economic and financial systems, punishing the producers with excessive, even oppressive taxes and fees. This in turn, reduces the amount of discretionary incomeiv within the economic system and thus, hampers economic growth within the system. This is probably not a viable model for sustainable growth and development.
Look at the amount of those taxes that does little more than fund what already tend to be bloated and inefficient bureaucracies and there is already far too much waste for the current system to be viable. Such an impact may seem minimal at first glance, but multiply the elevated tax rates by each and every citizen within a nation, remove the bankrupted families and return them to financial solvency and add in the funds they contribute to the marketplace and growth. Put all that cash back into the economic and financial systems and the growth rates (Gross Domestic Product or GDP) would inevitably rise … but how can that be accomplished?.
Add in the layers of administration at the state and local level, then the administration within the health care facility itself and the vast majority of the funds raised to provide health care for people has already been spent on offices, administrative staff and bureaucracies that do not necessarily have the best interest of the patients at heart. The current system has been established in such a fashion that the administrative needs and demands outweigh those of the patients.
These administrative personnel are further hampered by the constraints placed upon how much of the money is left for doctors and nursing staff and how much can be allotted for actual treatments. They must then compare all of this information with the patient requirements and allocate funds by departments and facilities, and lastly, based on the patients currently in queue. At the end of the day, the inefficiency alone makes this system burdensome and problematic. The tasks of the administrators prohibit them from taking any of the individual and unique aspects of the case into account before deciding who gets what treatment based on the availability of funding and services. The task of the administrator is only to decide what the system can handle and how to distribute that capacity as efficiently as possible.
Given that line of thought, it may be presumed that the professionals will ultimately decide who gets what treatment, but even they are greatly hampered in their efforts to heal based on those very same administrative restrictions. Like individuals, the present system forces hospitals and other health and medical care facilities to maintain a balance or fund for any unexpected contingencies as may arise. (Be it in regards to monetary balances and/or available supplies necessary for different treatments)
While they may be perfectly capable and willing to help all of the cases that enter, it may not be viable based on other restrictions that are also beyond their personal control. The socialist approach, while seemingly fair in nature, must, at the end of the day, be held accountable by bureaucrats who again, only have facts and figures from books and reports and annals to rely upon for making decisions. Ultimately, the decision makers are shielded from the real-world results of their decisions.
After everything is said and done though, they do at least provide and care for the patients ... or do they? Administrators, by definition, administrate. That is to say that they decide, based on the available data sets on hand, who gets what and who does what. They base all of their decisions on facts and statistics and charts that may or may not have anything to do with the unique circumstances of any given situationv. The data sets on a national level are, by necessity, limited to certain criteria lest the numbers, facts and statistics, be too large and cumbersome to work with efficiently.
In short, there are going to be a great number of people who are, by necessity, left to fall through the gaps and who will not receive the necessary treatment or care. This is especially true in government run systems wherein the administrators are safe and secure in their jobs and ... while certainly not the case all of the time, are often more concerned with keeping their jobs, bonuses and retirement accounts than they are with bucking or changing the accepted statistics and figures, without any consideration ever being given to what would otherwise be considered to be mitigating circumstances.
Those who have been bankrupted by the current system of healthcare often times must cut short their treatment or medications due to the lack of viable insurance and/or what limited funds they may have remaining. Some are denied treatment based on availability of services or for other considerations beyond their control, often at the behest of an administrator sitting in an isolated office, far from the face and family of the real victim(s). Once they lose their insurance, the pre-existing condition will no longer be insurable, further exacerbating the problems that they face.
Some people praise and some people decry the free-market system, but truth be told, there is no free-market system so much as there is a lobbyist-based system of crony-capitalism that again, prevents far too many people from receiving the care that they need. At the end of the day, the rest of the people are left to fend for themselves as they dig and probe and try to work their way through a bloated and inefficient bureaucratic system that favors facts and statistics over the needs of the individual. There are so many restrictions placed on such a system that it again becomes necessary to limit the availability of services including care and treatment of the patients. But is there any better way that actually provides all of the necessary treatment and care without unduly inhibiting the economic system and without leaving people by the wayside? The provision of health and medical care within the community developments is established in a cooperative fashion by and between the community investment fund and the hospitals directlyvi.
Within the Community Developments and even for the voluntary associates in the Isolated Community Service Centers, trade accounts will be established for each individual health care and medical facility to provide for the complete funding on an annual basis to include limited projections for growth. These funds will be established in such a fashion so as to provide an account sufficient to keep the facility (or facilities) fully operational even at one hundred percent of operational capacity. These provisions will be established for Orphanages, Homes for the aged and infirm, homes for the mentally deficient, hospitals, long-term healthcare facilities and for other such programs as are related to these facilitiesvii.
In such a fashion, even if a medical and/or healthcare facility were to be fully occupied each and every day of the year, there would be budgeted funds sufficient to cover the needs of all of the patients and of the operational expenses for the facility itself. Since this is a highly unlikely scenario, any funds that were left over from the budget at the end of the year would be used to fund research and development either within the facility itself or within other related facilities more suited for the types of research being conducted.
Furthermore, those alternative treatments as have been shown to work for people, will be allowed to be fully covered under the insurance policies in medical and health care facilities that specialize in holistic treatmentsviii. Properly prescribed and taken medications kill roughly one hundred and twenty-eight thousand people a year in the United States alone according to research cited in a US News and World Report article dated 27 September, 2016. Verifiable numbers were not available for records of this phenomena on a global scale at the time of this writing but it is very likely hundreds of thousands of people every year will die from properly prescribed and ingested pharmaceutical products based on the statistics from the United States of America being applied on a global scale. If traditional practices are killing literally hundreds of thousands of people each and every year, is it wholly unreasonable to allow the patient to select the means of treatment that they wantix rather than forcing them to limit their options because of whatever objections some bureaucracy may have? Remember that old protest cry about “My Body! My Choice!?”
Insurance will be made available for Holistic Medicines and Holistic Healing Centers but there are going to be issues of concern in regards to building the entire industryx up without any historical reference or precedent to assist. Budgeting is going to be an exceptionally difficult task as actual costs will vary so greatly. The limitations and allowances for the role of the governing body and/or foundation also needs to be considered completely and written up in such a fashion so as to provide for whatever standards may deemed to be necessary and/or beneficial for the protection of the residents of the community developments.
The governing body and/or foundation has a clear mandate to establish certain standards for the facilities themselves, levels of cleanliness and hygiene and other considerations including minimal levels of training for healthcare professionals, but to what extent will it be able to rightfully regulate a holistic approach to healing? What of matters of faith and faith healing? The requisite personnel are in place to consider all of the options and to build this system, but like so much, the nature of the system must be adaptive and ultimately, the citizens themselves must decide to what extent the bureaucracy can regulate and control.
The estimated cost for the insurance and/or the co-payment for insurance is expected to be roughly two percent. If the final construct is for the creation of an insurance system, as does seem the most likely scenario at the time of this writing, most, if not all types of insurance will cost two percent of the face value of coverage and/or there will be a two percent co-pay for all costs. As the insurance companies will be part of the holdings of the Hedge Funds for the foundation and/or governing body, the actual payment amount is secondary to other concerns. Why will there even be a need for insurance if the funding has already been established for the entire medical and/or healthcare facility to run at full capacity for the entire year?
In the unlikely event that there is a two percent co-pay as opposed to a two-percent charge for the face value of the insurance coverage, is this still going to effect people adversely in times of dire emergencies? Why are people to be required to pay for something that is essentially free? When people are forced to pay, what will their options be?
There are two primary reasons for having people pay either for insurance and/or a co-pay with regards to medical care and treatment.
The first reason is to give the healthcare and treatment some tangible value and thus, some meaning, especially in terms of short-term care for minor illnesses and other similar issues. Wholly free medicine tends to result in an overloaded system with people going to the doctors for simpler issues such as cuts, scrapes, bruises and even minor colds and cases of the fluxi. While this is not necessarily, in and of itself, a bad thing, it is feared that such a practice would detract from the ability of health care professionals to treat more serious matters and focus on other areas that are more pressing from a standpoint of health and public safetyxii. This issue may be at least partially resolved with the introduction of a separate wing of the facility for such minor cases and manning these facilities with student interns and others, all overseen and managed by more experienced professionalsxiii.
The second reason behind this practice, and the primary reason it is being considered more from the perspective of the issuance of insurance as opposed to a minimal co-pay, is to establish the actual trade accounts for the operational funding of the healthcare and medical facilities. While the funds for the health care and medical facilities will be provided for from the point of the commencement of construction, the operational funds and such funds as shall be established for the provision of medicines and other supplies as may be more extemporaneous in nature, will be provided from (a) separate account(s).
For those individuals and families as are still adversely impacted financially in such a system, loans should be made available to cover catastrophic and long-term needsxiv. These loans are slated to be non-recourse loansxv that will not hold the beneficiary to be personally liable or accountable. It is important to note that the non-recourse loans shall only be granted to individuals as have suffered quantifiable, tangible and substantial financial harm due to medical emergencies whether from a catastrophic event or illness or diseasexvi. Since the nature of a non-recourse loan is to provide a loan based solely on collateral, and the collateral will be leased and/or granted and non-transferable, it may be difficult for some to comprehend. In essence the foundation and/or governing body will be issuing an internal loan to another portion of the foundation/governing body, likely the philanthropic organizations, and serve also in the role of paymaster for debtors to ensure that the healthcare/medical facilities will be properly reimbursed for all services provided.
This is one of those areas wherein the decided inability to pay industry professionals in a complete overhaul of an entire industry has prevented any finalization of concept. More unfortunate still is the fact that the finalized plans are not particularly necessary at the time of this writing as the plans are not currently in place, and neither is the funding, even for the establishment of the first incorporated parent. It would certainly be nice to include nothing but answers and solutions in this book, but such a reality just is not possible at this time, at least in regards to the final realization of a viable health and medical care and treatment system. Again, some solutions will have to be deferred until during the commencement in earnest of the planning and design phase.
i The types of insurance available are often limited, and increasingly expensive. The number of doctors is further limited and does not allow for the any real selection. Even the hospitals wherein people can select to be treated is limited based on numerous factors, and even then, treatment options will be restricted to those being offered by the limited numbers of doctors and facilities available. If someone wishes to seek alternative medicine as an option, it is almost certain that these types of treatments will not be available on any existing insurance plans. The availability of drugs is further limited, and often over-priced for the average person. Again, all of this is indicative of an entire system that needs to be replaced rather than any effort to repair what is essentially, beyond repairable.
ii Every report that was found in the research for this documentation indicated medical costs to be the leading (though certainly not the only) cause of bankruptcy.
iii This is in large part due to the litigious nature of society today and the need for tort reform. While much litigation is well within the realm of reasonable behavior, some are outrageous at best and wholly detrimental at worst. There are actually instances of patients suing their doctors for getting a totally unrelated illness months after any treatment that they receive. The added burdens to the doctors in the form of additional insurance costs and legal fees only serve to further the outrageous costs of treatment and care. This, in combination with the other factors involved, has created a vicious cycle wherein the problems only grow worse with time.
iv Discretionary income is defined as that income which is left after paying for all of the basic necessities of life. In a more cooperative and symbiotic economic system, the level of discretionary income per household will be elevated due to the fact that most of the primary necessities of life are already taken care of before such a time as they receive any cash income. While there may have been times when such income would be safely tucked away in a cookie jar, on a wall or even under the mattress, the majority of people will be spending this “extra” income and assisting in maintaining the economic growth rate and GDP within the community developments.
v Actuary Tables and other similar references are based on numerous factors including age, race, gender, location of residence and other empirical data that leaves little to no room for any personal scenario no matter how extenuating the circumstances may be for that particular case. Thus, the only real difference between any two people of the same age and whether or not they are eligible for treatment may depend on their gender, it may depend on where they live and whatever their perceived contribution to the societal system will be.
vi While the actual funding practices are considered to be a trade secret and can not be revealed here, the effect is that of budgeting for any and every hospital with outlooks estimated at one hundred percent capacity and full treatment. As such, even if the hospitals and health care facilities are filled to capacity, there will be a sufficient budget to continue operations unabated. In the (probable and very likely) event that there are funds left over at the end of the year, these will be rolled over in to Research and Development and for other humanitarian pursuits for the benefits of the medical and health care facilities and for the people.
vii Currently, programs include activities for the mentally handicapped, mutual support programs teaming younger orphans with the elderly for social activities and as a mutually beneficial sociological support program, regular and routine medical checkups and support for all of the individuals in any and all of these facilities, programs for troubled and at risk youth, arts and crafts programs, intramural activities for the orphans and at-risk youth and for the elderly, infirm and other groups where it is deemed to be feasible, additional activity programs for all of these groups and social and personal support groups. Additional programs are being considered as they are submitted for review and this category should be greatly expanded
viii This program has not been fully established yet and will require some very serious negotiations before it can be put into place and made fully operational. There is very strong evidence that holistic medicine does work in some cases, but regardless of whether or not the holistic approach is best for the patient, should depend on the beliefs and desires of the patient, not the bureaucracy.
ix Such a system would be unprecedented and needs to be planned out very carefully and implemented with all possible safeguards in place. The levels of oversight and the standards for such operations will have to be created without the benefit of any historical data.
x A consortium of specialists from around the globe will be tasked with the establishment of this system. It will have to be clearly defined in terms of methods that ... cannot be medically deemed to make claims ... but in personal experiences have shown to provide certain benefits (legalese inserted for legal purposes there) to the individuals who have utilized and/or tested such holistic methods as shall be offered. In terms of research and development, and most especially in regards to clinical field studies, the consent of the individual is only one of the primary issues of concern. Further efforts to define and quantify what is and what is not a holistic approach in in addition to an agreement for industry standards have to be undertaken before this system can become fully operational.
xi People will have the option for free medical checkups on a regular bases (likely quarterly and/or twice a year) where such minor issues can be addressed and they can go over more minor concerns. It is feared by some that providing truly free medical and health care will create more room for abuse of the system, not only in terms of people going to the doctor “every time they sneeze” but also detracting from the ability of the health care professionals to focus on more serious health concerns.
xii Among the most pressing issues under the guise of “Public Safety” will be the mandatory and regular checkups of all of the elderly, infirm, mentally incapacitated and all such children as are wards of the system. These physicals will most likely be conducted by “traveling” specialists so as to reduce the potential for abuse by the providers and any cover-ups as may tend to more naturally occur on a local level between peers and colleagues. The potential for abuse is present and every effort must be undertaken to ensure that such abuse is avoided wherever possible.
xiii There are numerous issues being addressed by the professionals who will be building and finalizing this system. As such, while there are many potential solutions, none have been formally committed to at the time of this writing.
xiv At the time of this writing, these loans will most likely be non-recourse loans not requiring any payments by the individual recipient of the loan. The projections are to provide this loan solely for the purpose of payment of any amounts not covered via the normal insurance as has been issued and to cover such portions as may be left causing financial burdens to the individual. The note-holder will additionally serve in the role of a paymaster to guarantee payment to any and all such parties as may have a claim against the individual recipient. Additional loans may be made available based on the needs of the individual though these shall generally be personal in nature and as such, subject to the terms and conditions as negotiated by the individual.
xv A non-recourse debt is a type of loan secured by collateral, which is usually property. If the borrower defaults, the issuer can seize the collateral but cannot seek out the borrower for any further compensation, even if the collateral does not cover the full value of the defaulted amount. This is one instance where the borrower does not have personal liability for the loan. Since the foundation and/or governing body will own the property, the loan company and the medical facilities ... or at least the majority thereof, the loan will be almost circular in nature reverting back to the original owner without any risk to the property as leased by or granted to the borrower.
xvi This limitation applies only to the fields of medical and health care treatment. Non-Recourse loans may be used in other aspects and in other areas of the Community Developments, but here it is noted such only insofar as its relation to health and medical care and treatment and the financial well-being of the individual recipient. The beneficiary will have the option of taking out other loans on a personal basis should they so desire, but the non-recourse loans here will serve only to guarantee payment for the health and medical care and treatment and not for the personal gain of the beneficiary or borrower.
Let us know what you think please!