Economics

Proposal 1 Running head: Legislator Proposal Michael Campbell Legislator Handout University of Phoenix HCS/455 August 3, 2009 Proposal 2 Universal Coverage for the Uninsured The growing trend here in America is that millions of Americans are not covered by healthcare insurance to receive the proper medical care they need. As of today there are many factors within our society that affects individuals and families for reasons of not having healthcare insurance coverage due to the loss of jobs and the down turn in the American economy. Currently Americans with out healthcare insurance is at alarming rates some reports give figures of 90 million Americans being uninsured during the fiscal year of 2006 - 2007 during part of the year. 47 million Americans were reported in 2006 for a full calendar year without insurance coverage. As the United States goes through the recession jobs will be continued to be lost on main street and in corporate America which will makes millions more suffer with out having healthcare coverage. Pros for universal coverage for all Americans: The number of uninsured Americans citizens has grown well over 45 million. Healthcare has become unaffordable for businesses and individuals The elimination of wastefulness and inefficiencies can be done away with. 4, A centralized national data base can be utilized so that it makes diagnosis and treat 5. Medical professionals can focus more on care rather than worry about malpractice, insurance procedures and claims. 6. Free medical services would encourage preventive medicine. 7. Patients with pre-existing conditions can still get health coverage. “ Under this proposed plan every citizen and legal resident of the United States would have been issued an insurance card by the health alliance” ( Hill, 1994; The white House Domestic Policy Council,1993, 1994,pp 21-32). Medicare will still perform under its current program, but will feature expanded benefits for the recipients. The breakdown of the proposed plans should be as follows. Proposal 3 Plan 1 Traditional fee for service coverage $200 deductible per individual $400 deductible per family Individuals will pay 20% of the above deductible Plan 2 HMO Requires co -pay of $5.00 for medications $10.00 co- pay for most healthcare services Plan 3 PPO $1,500 out of pocket costs capped per individual $3,000 out of pocket costs capped per family ( The Economic Report of the President, 1994, pp.151 -9; The White House Domestic Policy Council,1993, pp.21-31). The current healthcare system in the United Sates is broken and needs reforming. Individuals and families can’t afford their current medical policies because their premiums are to high and associated with high out of pocket costs. Under a reformed plan of universal healthcare coverage fee’s, services, and medications should become affordable for the entire population of the United States. The current system needs to correct and America needs to catch up with other’s countries like Europe and Canada in their universal plans for the citizens with their countries. Proposal 4 Reference