The People's Plan

Just for consideration. Imagine that the people could come together a provide a better way to health care. The following is a brief description of an idea that I have been working on. By sharing this vision, I have two thoughts. The first is to gauge support for the idea and the second being to risk that someone will borrow the concept and make it their own. I'm tired of waiting and praying for a true Universal Health care option. The people that we have elected are not trying hard enough to provide the relief that we need. My greatest belief is that we could locate enough people, with a common purpose and that we can combine our smaller means into a greater cause for humanity. By providing for others, we will have what we need. Please feel free to add your ideas or support either in the comment section or on the facebook page. This would not be insurance but simply a way to pay for proper health care.

Monthly premiums- $300 for individual and $700 for family plan.
We would have to reach a certain commitment level before we could begin the program.
People would have to pay into the program for 6 months before they would be eligible for a claim or benefits. This to establish the fund for paying claims.
There would be zero deductible and no such thing as a pre existing condition.
This program would cover 100% of doctor, dental and surgery cost, including Rx.
The program administrators and workers could make a maximum salary of $100,000 per year. If there were a National sales person, they could have travel expenses paid but there would be no huge income rates or golden parachutes.
If the program was based on 1,000 members to start and the rate was based upon the minimum of $300 per month, in six months, the program would have $1,800,000 to start paying health care for the people. As you can see, the numbers only improve with more members and the coverage would be the best available. Since it is not insurance, we would have the ability to negotiate rates for Rx and doctors if we so desired. The intent of the program would be to provide a full coverage health care plan for all members by placing monies into a common fund. If the numbers were big enough, there would never be a lifetime limit of payout of claims...like the insurance companies like to do at 2-3 million. Some folks would have big claims and some would have very little but the numbers speak for themselves. The biggest threat would not be competition because no other insurer would be willing to cap the salaries or provide 100% benefits but rather, the biggest threat to the program would be that the insurance giants would try to buy the fund out. My idea would be to further place a contract over the fund that would prohibit the selling of it for an extended amount of time as well.

The idea sounds simple and it really is but I believe that the power of the people is strong. This program can cross political lines and be the basis for the health care that we all deserve and need. Please add your voice to this page and feel free to share the concept with others. I will be starting a facebook page for the idea as well. If you agree with the concept and would be interested in becoming a part of the fund, join the facebook page and if the numbers prove to be large enough, maybe we can make the dream a reality.

http://www.facebook.com/#!/group.php?gid=157980040882789&ref=ts

TSD- 09/06/2010