Non-Profit Medical Insurance

 "Death panels are bad."

Be they employed by private insurance companies, Medicare, or Medicaid - all seek to deny care, medicine, and medical equipment in the name of protecting services to all.  

Private Insurance companies have infiltrated Medicare and Medicaid under the guises of companies like Humana, Health Springs, Amerigroup, United, Aetna, and new 'providers' join every day.  Their 'job' is to send me a "THIS IS NOT A BILL" statement every month, printed in three colors in an envelope also printed in three colors, informing me as to what they paid for my care.  Every nine to eighteen months, this provider care group 'changes' its coverage area.  When this happens, my Doctors, Hospitals, and Specialists all change, to further away.  It takes several months for my Doctors and Facilities to re-align themselves so that I can return to people I know and trust.  

As for my own care, I have a Bachelor's degree, and I'm one paper away from completing my Master's, but I am not 'allowed' to make more than $5k a year, or I lose my medical benefits, forever.  Yet, I was just denied a lift for my vehicle, so that I can get into and out of it without further injuring myself.  A new lift is $6k...so I am in every way prevented or denied ANY "pursuit of happiness."  Our system is broken, in that it in no way functions to protect health, or provide accessible services.

The solution lies in the utilization of Non-Profit or 501c3 organizations to perform the duties of a medical insurance plan, because is free from the need to advertise, litigate, pay employees, or make a profit.  ALL of those resources can be funneled into actual care, therapy, pre-screening, meaning zero claim denials!

The group or organization need only be +35k or larger to prevent a catastrophic loss, or about the size of the average Texas County.  For the first year, the applicant pays the average premium leveraged by the private market upon that individual's demographic.  Given this figure include care and advertising, profit, and employee payment, it will easily create a cash pool large enough to provide complete care.  Moreover, any monies a Non-Profit spends on services can be itemized as a deduction when IRS filings occur.  After the introductory subscription of one year, the applicant becomes a full member, owing only an equal share of all of the medical services paid for the previous month.  There is simply no need for, for-profit insurance companies to exist, if communities would realize the strength in their numbers.

Now, what good does it do, to give your countrymen the tools to fix what ails them, if they do not see each other as brothers, sisters, cousins, and neighbors...?

The state of our nation is divided, and until we stop calling other Americans the enemy, solutions like this one can never happen.