Improving National Healthcare/ Carlos Pueblo

Improving National Healthcare/ Carlos Pueblo

Yesterday afternoon, I visited my brother Yancy for a small business matter.

We had chatted about Medicare, a major part of the U.S. National Healthcare.

He and I have been in retail insurance business for more than 30 years and we

all have had a certain degree of understanding of health insurance especially

from the cost point of view. He mentioned an example of Medicare, one of his

clients involving an injury, an internal bleeding from removing a tree branch

accident. When he realized the injury consequence, he had been sent to the

emergency room waiting for a low blood pressure specialist.  His Medicare

Plan, Medicare Advantage Plan, has only two of this kind of specialists and

the hospital could not wait but use its own specialist. The life was saved and

yet there was a cost issue due to that specialist was not under HMO Plan,

a Health Maintenance Organization under the Advantage Plan. Yancy tries to imply

that regular Medicare Plan plus Plan B, supplement F, and drug plan D is better

than Advantage Plan. Of course, that kind of plan can cover HMO and all other

selection of providers, a Preferred Provider Organization or PPO. But the cost

is higher.

How high is it? A regular Plan you do not pay any for A part, surgical and hospital,

because you have already paid in full during your earned income years. B part,

physical cost, is about $105 a month; supplement part which I define it as C part

for F Plan is about $170 a month. This is for something like deductible of something

which Medicare does not cover. I figure that amount is not over $70,000 benefit.

Drug part D is about $17 a month. Advantage Plan takes A and B parts from Medicare

and will provide the identical coverage under its HMO network. The principle is the

same as Obamacare for under 65. The more premium you pay, the fancier plan you

will receive.

I have my old man health insurance under Advantage Plan. I am very satisfied with

the providers’ service, so far so good. I believe that the carrier is also making good

profit out of it because you can see the merger activity of the huge health insurance

industry, a trillion dollars business annually. I notice that many of our community

second generation physicians are under my Plan network. I believe that their medical

school training are very solid and reliable. There are several reasons to make National

Health Insurance to work better than previous healthcare system. I believe the industry

and the government are working together towards the same goal by improving the

efficiency of the Plans. Most of the customers do not need to waste a lot of luxury Plan

if you are not sick.