Rachael
Photo courtesy of Dr. Noren

My Daughter Rachael

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Better Health Care Access and MORE JOBS also means reducing costs

To seriously reduce costs for health care, we need to force monthly premiums lower, reduce excessive costs related to obesity, smoking, alcohol and substance abuse.

One of the biggest job killers right now is each time the health insurance premiums go up for employers:

 We need to cap monthly premiums:

  • Family at $700 to start
  • Individual at $275 to start

We need to cap liability insurance for providers and lower tort claims additionally. That does not mean reducing benefits for making a patient whole when life long problems occur after medical error. Most people confuse this with pain and suffering in regards to tort reform.

The bottom line is that while the House and Senate argue over single payer  we still have expensive private insurance. My idea is to have a stepping stone approach.

When you factor in insured’s costs across this country and cap premiums even modestly, the billions in dollars in the pockets of the public and businesses is a free-to-taxpayer Economic Stimulus Package that keeps on giving. The factor that is preventing this in part is the $50 million in lobbying money from the insurance industry to your Congressman/woman and Senators. Go to opensecrets.org to check that out.

We need action now and all the career politicians in this race for US Senate will never agree to do what I want to do above. The only way to make this work is to vote in those that will and vote out those that won't. I am not and have no intention of being a career politician.

In my own practice, we keep fees modest, overhead low and compensation fair. Patient personal responsibility and better public health involvement is crucial also. Health education at the middle school level is very important.

Having a special needs daughter (autistic, seizure disorder, developmental delay, and mild cerebral palsy) makes me especially aware of needed improvements in schools and funding for prevention of autism.

Monthly premiums even after the Affordable Care Act are NOT affordable.

Watch your premiums rise; Schumer and Gillibrand both take large donations from the insurance industry and there's a reason for that. There is no coincidence. It is corporate Democracy hard at work. We need less corporately-influenced politicians in DC.

Working folks like myself need to pay for policies that are not linked to jobs, no pre-existing conditions, and have no massively high deductibles. If you are unfortunately out of work for no blame of your own, you will have some coverage. The problem is that the premiums are outrageous. There are also those who choose not to work also or are unemployable for various reasons excepting legitimate disabilities; my daughter is disabled and will likely never work in a completely mainstream job. We will be paying for them also for minimal coverage. The problem still remains that we have too few doctors and nurses to care for additional people and there will be long wait times if the option happens. That is verified by physicians in Family Practice and Internal medicine that I have spoken to, as well as articles by these providers.

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