About 'united health plans'|ERS Responds to Health Plan Questions

About 'united health plans'|ERS Responds to Health Plan Questions

Ｕｎｉｖｅｒｓａｌ               ｈｅａｌｔｈ               ｃａｒｅ               ｈａｓ               ｂｅｅｎ               ｐａｃｋａｇｅｄ               ｔｏ               ｓｏｕｎｄ               ｌｉｋｅ               ｓｏｍｅｔｈｉｎｇ               ｉｔ               ｃｌｅａｒｌｙ               ｉｓ               ｎｏｔ. Ｍａｎｙ               ｔｈｉｎｋ               ｔｈａｔ               ｉｔ               ｍｅａｎｓ               ｔｈａｔ               ｑｕａｌｉｔｙ               ｈｅａｌｔｈ               ｃａｒｅ               ｗｉｌｌ               ｂｅ               ａｖａｉｌａｂｌｅ               ｆｏｒ               ａｌｌ               ａｔ               ｖｉｒｔｕａｌｌｙ               ｎｏ               ｃｏｓｔ. Ｔｈｅｙ               ｆｅｅｌ               ｔｈａｔ               ａｆｔｅｒ               ａｌｌ,               ｉｓｎ'ｔ               ｑｕａｌｉｔｙ               ｈｅａｌｔｈ               ｃａｒｅ               ａ               ｒｉｇｈｔ,               ｗｅ               ｋｎｏｗ               ｉｔｓ               ｉｎ               ｔｈｅ               Ｃｏｎｓｔｉｔｕｔｉｏｎ               ｓｏｍｅｗｈｅｒｅ! Ｎｏｔ! Ｈｅａｌｔｈ               ｃａｒｅ               ｓｐｏｎｓｏｒｓ               ｃｌａｉｍ               ｔｈａｔ               ｈｅａｌｔｈ               ｃａｒｅ               ｃｏｓｔｓ               ａｎｄ               ｄｅｆｉｃｉｔｓ               ｗｉｌｌ               ｂｅ               ｒｅｄｕｃｅｄ,               ｑｕａｌｉｔｙ               ｉｍｐｒｏｖｅｄ,               ｃｏｍｐｅｔｉｔｉｏｎ               ａｎｄ               ｃｈｏｉｃｅｓ               ｉｎｃｒｅａｓｅｄ,               ｗｉｔｈ               ａｃｃｅｓｓ               ｆｏｒ               ａｌｌ. Ｔｈｅｓｅ               ｃｌａｉｍｓ               ｒｅｍｉｎｄ               ｍｅ               ｏｆ               ｔｈｅ               ｐｒｏｍｉｓｅｓ               ｏｆ               ｐｙｒａｍｉｄ               ｓｃｈｅｍｅｓ               ｔｈａｔ               ｔｈｅ               ｙｏｕｎｇ               ａｎｄ               ｎａｉｖｅ               ｆａｌｌ               ｐｒｅｙ               ｔｏ. Ｗｈｅｎ               ｓｏｍｅｔｈｉｎｇ               ｄｏｅｓｎ'ｔ               ｓｍｅｌｌ               ｒｉｇｈｔ,               ｆｏｌｌｏｗ               ｔｈｅ               ｍｏｎｅｙ               ａｎｄ               ａｓｋ               ｙｏｕｒｓｅｌｆ               ｗｈｏ               ｒｅａｌｌｙ               ｂｅｎｅｆｉｔｓ? Ｔｈｅ               ｇｏｖｅｒｎｍｅｎｔ               ｗｉｌｌ               ｃｏｎｔｒｏｌ               ｔｈｅ               ｍｏｎｅｙ,               ｓｏ               ｗｈｏ               ｄｏ               ｙｏｕ               ｔｈｉｎｋ               ｗｉｌｌ               ｒｅａｌｌｙ               ｍａｋｅ               ｔｈｅ               ｉｍｐｏｒｔａｎｔ               ｄｅｃｉｓｉｏｎｓ? Ｓｉｎｃｅ               ｗｈｅｎ               ｈａｓ               ｔｈｅ               ｇｏｖｅｒｎｍｅｎｔ               ｓａｖｅｄ               ｔａｘ               ｐａｙｅｒ               ｍｏｎｅｙ,               ｉｎｃｒｅａｓｅ               ｃｏｍｐｅｔｉｔｉｏｎ               ｏｒ               ｒｕｎ               ａｎｙｔｈｉｎｇ               ｗｅｌｌ? Ｔｈｅ               ｓｅｎａｔｅ               ｒｕｎｓ               ｉｔｓ               ｏｗｎ               ｄｉｎｉｎｇ               ｆａｃｉｌｉｔｙ,               ｉｔ               ｈａｓ               ｆａｉｌｅｄ               ｔｏ               ｍａｋｅ               ａ               ｐｒｏｆｉｔ               ａｎｄ               ｈａｓ               ｉｎｃｕｒｒｅｄ               ｌａｒｇｅ               ｄｅｂｔｓ,               ｄｏ               ｗｅ               ｒｅａｌｌｙ               ｗａｎｔ               ｔｈｅｍ               ｔｏ               ｄｉｒｅｃｔｌｙ               ｍａｎａｇｅ               1/6ｔｈ               ｏｆ               ｏｕｒ               ｎａｔｉｏｎａｌ               ｅｃｏｎｏｍｙ?                Ｌｉｂｅｒａｌ               ｐｏｌｉｔｉｃｉａｎｓ               ｗｈｏ               ｃｌａｉｍ               ｉｔｓ               ｙｏｕｒ               ｐａｔｒｉｏｔｉｃ               ｄｕｔｙ               ｔｏ               ｐａｙ               ｈｉｇｈ               ｔａｘｅｓ               ａｎｄ               ｐｏｎｔｉｆｉｃａｔｅ               ａｂｏｕｔ               ｔｈｅ               ｒｉｃｈ               ｐａｙｉｎｇ               ｔｈｅｉｒ               ｆａｉｒ               ｓｈａｒｅ,               ｏｆｔｅｎ               ｃｈｅａｔ               ｏｎ               ｔｈｅｉｒ               ｏｗｎ               ｔａｘｅｓ,               ｔｈｅｙ               ｎｅｖｅｒ               ｃｏｍｐｌａｉｎ               ａｂｏｕｔ               ｇｅｔｔｉｎｇ               ｔｏｏ               ｍｕｃｈ               ｂａｃｋ               ｏｎ               ｔｈｅｉｒ               ｔａｘｅｓ               ｏｒ               ｏｆｆｅｒ               ｔｏ               ｃｏｎｔｒｉｂｕｔｅ               ｔｈｅｉｒ               ｏｗｎ               ｗｅａｌｔｈ               ｔｏ               ｇｏｖｅｒｎｍｅｎｔ               ｃａｕｓｅｓ. Ｐｏｌｉｔｉｃｉａｎｓ               ａｎｄ               ｔｈｅｉｒ               ｓｐｅｃｉａｌ               ｉｎｔｅｒｅｓｔ               ｇｒｏｕｐｓ               ａｒｅ               ｔｈｅ               ｏｎｌｙ               ｏｎｅｓ               ｗｈｏ               ｂｅｎｅｆｉｔ               ｆｒｏｍ               ｕｎｉｖｅｒｓａｌ               ｈｅａｌｔｈ               ｃａｒｅ. Ｃｏｎｇｒｅｓｓ,               ｂｙ               ｔｈｅ               ｗａｙ               ｈａｓ               ｉｔｓ               ｏｗｎ               ｐｒｉｖａｔｅ               ｈｅａｌｔｈ               ｃａｒｅ               ｓｙｓｔｅｍ,               ｓｏ               ｔｈｅｙ               ｗｏｎ'ｔ               ｂｅ               ｓｕｂｊｅｃｔ               ｔｏ               ｔｈｅ               ｎｅｗ               ｕｎｉｖｅｒｓａｌ               ｈｅａｌｔｈ               ｐｌａｎ               ｔｈａｔ               ｔｈｅｙ               ｈａｖｅ               ｅｎａｃｔｅｄ.                Ｓｏｍｅ               ｃｌａｉｍ               ｔｈａｔ               ｕｎｉｖｅｒｓａｌ               ｈｅａｌｔｈ               ｃａｒｅ               ｓｙｓｔｅｍｓ               ａｒｅ               ｗｏｒｋｉｎｇ               ｗｅｌｌ               ｉｎ               ｏｔｈｅｒ               ｃｏｕｎｔｒｉｅｓ. Ｔｈｅｙ               ｍａｙ               ｋｎｏｗ               ｓｏｍｅｏｎｅ               ｆｒｏｍ               Ｅｎｇｌａｎｄ               ｏｒ               Ｃａｎａｄａ               ｔｈａｔ               ｓａｙ               ｔｈｅｉｒ               ｓｙｓｔｅｍ               ｉｓ               ｇｒｅａｔ. Ｔｈｅｉｒ               ｆｏｒｅｉｇｎ               ｆｒｉｅｎｄｓ               ｍａｙ               ｅｖｅｎ               ｂｅｌｉｅｖｅ               ｉｔ               ｗｏｒｋｓ               ｂｅｃａｕｓｅ               ｅｉｔｈｅｒ               ｔｈｅｙ               ｂｅｌｏｎｇ               ｔｏ               ａ               ｓｐｅｃｉａｌ               ｉｎｔｅｒｅｓｔ               ｇｒｏｕｐ               ｔｈａｔ               ｈａｓ               ｂｅｅｎ               ｂｕｍｐｅｄ               ｕｐ               ｔｈｅ               ｏｎ               ｔｈｅ               ｗａｉｔｉｎｇ               ｌｉｓｔ               ｏｒ               ｈａｖｅｎ'ｔ               ｈａｄ               ｍａｊｏｒ               ｈｅａｌｔｈ               ｉｓｓｕｅｓ.                Ｕｎｉｖｅｒｓａｌ               ｈｅａｌｔｈ               ｃａｒｅ               ｓｙｓｔｅｍｓ               ｔｒｉｅｄ               ｏｎ               ｔｈｅ               ｓｔａｔｅ               ｌｅｖｅｌ               ｉｎ               ｔｈｉｓ               ｃｏｕｎｔｒｙ               ｓｕｃｈ               ａｓ               ｉｎ               Ｍａｓｓａｃｈｕｓｅｔｔｓ               ａｎｄ               Ｃａｌｉｆｏｒｎｉａ               ｏｒ               ａｂｒｏａｄ,               ｈａｖｅ               ａｌｌ               ｅｘｐｅｒｉｅｎｃｅｄ               ｓｉｍｉｌａｒ               ｐｒｏｂｌｅｍｓ. Ｔｈｅｓｅ               ｐｒｏｂｌｅｍｓ               ｉｎｃｌｕｄｅ               ｓｏａｒｉｎｇ               ｄｅｆｉｃｉｔｓ,               ｏｕｔ               ｏｆ               ｃｏｎｔｒｏｌ               ｃｏｓｔｓ,               ｒａｔｉｏｎｉｎｇ,               ｉｎｃｏｍｐｅｔｅｎｃｅ,               ｐｉｌｆｅｒｉｎｇ               ａｎｄ               ｓｐｅｃｉａｌ               ｐｒｉｖｉｌｅｇｅ               ｔｏ               ｃｅｒｔａｉｎ               ｇｒｏｕｐｓ. Ｗｈａｔ               ｉｎｃｅｎｔｉｖｅｓ               ｗｉｌｌ               ｅｘｉｓｔ               ｆｏｒ               ｐｈｙｓｉｃｉａｎｓ               ｔｏ               ｉｍｐｒｏｖｅ               ｔｈｅｉｒ               ｓｋｉｌｌｓ,               ｏｒ               ｍｅｄｉｃａｌ               ｔｅｃｈｎｏｌｏｇｙ               ｔｏ               ｉｍｐｒｏｖｅ               ｗｈｅｎ               ｗａｇｅｓ               ａｎｄ               ｐｒｉｃｅｓ               ａｒｅ               ｓｅｔ               ｂｙ               ｔｈｅ               ｇｏｖｅｒｎｍｅｎｔ?                Ｍａｎｙ               ｗａｎｔ               ｔｏ               ｂｅｌｉｅｖｅ               ｔｈａｔ               ｗｉｔｈ               ａ               ｓｔｒｏｋｅ               ｏｆ               ｔｈｅ               ｐｅｎ               ｔｈｅ               ｇｏｖｅｒｎｍｅｎｔ               ｃａｎ               ｔａｋｅ               ｃａｒｅ               ｏｆ               ｅｖｅｒｙ               ｐｒｏｂｌｅｍ. Ｎｏ               ｏｎｅ               ｗａｎｔｓ               ｔｏ               ｂｅｌｉｅｖｅ               ｔｈｅｙ'ｖｅ               ｂｅｅｎ               ｌｉｅｄ               ｔｏ. Ｔｈｅ               ｔｒｕｔｈ               ｉｓ,               ｔｈｉｓ               ｐｒｏｂｌｅｍ               ｉｓ               ｎｏｔ               ａ               ｓｉｍｐｌｅ               ｏｎｅ,               ｗｅ               ａｒｅ               ｇｏｉｎｇ               ｔｏ               ｈａｖｅ               ｔｏ               ｍａｋｅ               ｓｏｍｅ               ｈａｒｄ               ｃｈｏｉｃｅｓ               ｔｏ               ｔｕｒｎ               ｔｈｅ               ｓｙｓｔｅｍ               ａｒｏｕｎｄ               ａｎｄ               ｇｅｔ               ｅｘｐｅｎｓｅｓ               ｕｎｄｅｒ               ｃｏｎｔｒｏｌ.                Ｔｈｅ               ｈｅａｒｔ               ｏｆ               ｔｈｅ               ｐｒｏｂｌｅｍ               ｉｓ               ｔｈａｔ               ａｂｏｕｔ               85%               ｏｆ               ｈｅａｌｔｈ               ｃａｒｅ               ｅｘｐｅｎｓｅｓ               ａｒｅ               ｐａｉｄ               ｂｙ               ｓｏｍｅｏｎｅ               ｏｔｈｅｒ               ｔｈａｎ               ｔｈｏｓｅ               ｒｅｃｅｉｖｉｎｇ               ｃａｒｅ               ａｎｄ               ａｂｏｕｔ               ｈａｌｆ               ｔｈｅ               ｅｘｐｅｎｓｅｓ               ａｒｅ               ｐａｉｄ               ｆｏｒ               ｂｙ               ｔｈｅ               ｇｏｖｅｒｎｍｅｎｔ. Ｏｕｒ               ｔａｘ               ｃｏｄｅ               ａｌｓｏ               ｐｒｏｖｉｄｅｓ               ｉｎｃｅｎｔｉｖｅｓ               ｆｏｒ               ｅｍｐｌｏｙｅｒｓ               ｎｏｔ               ｉｎｄｉｖｉｄｕａｌｓ               ｔｏ               ｐｕｒｃｈａｓｅ               ｈｅａｌｔｈ               ｉｎｓｕｒａｎｃｅ. Ｔｈｅｒｅ               ｉｓ               ｌｉｔｔｌｅ               ｉｎｃｅｎｔｉｖｅ               ｆｏｒ               ｉｎｄｉｖｉｄｕａｌｓ               ｏｒ               ｔｈｅ               ｇｏｖｅｒｎｍｅｎｔ               ｔｏ               ｍｏｎｉｔｏｒ               ｈｅａｌｔｈ               ｃａｒｅ               ｅｘｐｅｎｓｅｓ.                Ｓｏｍｅ               ｓｏｌｕｔｉｏｎｓ               ｔｏ               ｔｈｅ               ｐｒｏｂｌｅｍｓ               ｉｎ               ｈｅａｌｔｈ               ｃａｒｅ               ｉｎｖｏｌｖｅ               ｐｕｔｔｉｎｇ               ｐｅｏｐｌｅ               ｉｎ               ｃｏｎｔｒｏｌ               ｏｆ               ｔｈｅｉｒ               ｏｗｎ               ｍｅｄｉｃａｌ               ｄｏｌｌａｒｓ,               ｔｈｒｏｕｇｈ               ｓｕｃｈ               ｍｅａｓｕｒｅｓ               ａｓ               ｍｅｄｉｃａｌ               ｓａｖｉｎｇｓ               ａｃｃｏｕｎｔｓ               ｉｎ               ｔａｎｄｅｍ               ｗｉｔｈ               ｈｉｇｈ               ｄｅｄｕｃｔｉｂｌｅ               ｌｏｗ               ｃｏｓｔ               ｉｎｓｕｒａｎｃｅ,               ｉｎｃｅｎｔｉｖｅｓ               ｉｎ               ｔｈｅ               ｔａｘ               ｃｏｄｅ               ｆｏｒ               ｉｎｄｉｖｉｄｕａｌｓ               ｎｏｔ               ｅｍｐｌｏｙｅｒｓ               ｔｏ               ｂｕｙ               ｈｅａｌｔｈ               ｉｎｓｕｒａｎｃｅ. Ｃｏｎｓｕｍｅｒ               ｄｅｍａｎｄ               ｗｉｌｌ               ｓｐｕｒ               ｃｏｍｐｅｔｉｔｉｏｎ               ｂｅｔｗｅｅｎ               ｉｎｓｕｒａｎｃｅ               ｃｏｍｐａｎｉｅｓ               ａｎｄ               ｍｅｄｉｃａｌ               ｓｅｒｖｉｃｅ               ｐｒｏｖｉｄｅｒｓ.                Ｏｔｈｅｒ               ｍｅａｓｕｒｅｓ               ｉｎｃｌｕｄｅ               ｒｅｌａｘｉｎｇ               ｍｅｄｉｃａｌ               ｌｉｃｅｎｓｉｎｇ               ｒｅｑｕｉｒｅｍｅｎｔｓ               ｔｏ               ａｌｌｏｗ               ｎｕｒｓｅｓ,               ｐｈｙｓｉｃｉａｎｓ               ａｓｓｉｓｔａｎｔｓ               ａｎｄ               ｏｔｈｅｒｓ               ｔｏ               ｐｒｏｖｉｄｅ               ｓｏｍｅ               ｓｅｒｖｉｃｅｓ               ｔｈａｔ               ｏｎｌｙ               ｄｏｃｔｏｒｓ               ａｒｅ               ｐｅｒｍｉｔｔｅｄ               ｔｏ               ｄｏ. Ａｌｌｏｗｉｎｇ               ｉｎｄｉｖｉｄｕａｌｓ               ｔｏ               ｐｕｒｃｈａｓｅ               ｈｅａｌｔｈ               ｐｌａｎｓ               ａｃｒｏｓｓ               ｓｔａｔｅｓ               ｌｉｎｅｓ               ｗｉｌｌ               ｂｒｅａｋ               ｓｔａｔｅ               ｍｏｎｏｐｏｌｉｅｓ               ａｎｄ               ｌｏｗｅｒ               ｐｒｉｃｅｓ. Ｍｏｖｉｎｇ               ａｗａｙ               ｆｒｏｍ               ｐｒｅｐａｉｄ               ｍｅｄｉｃａｌ               ｃａｒｅ               ｆｏｒ               ｒｏｕｔｉｎｅ               ｐｒｏｃｅｄｕｒｅｓ               ａｎｄ               ｒｅｔｕｒｎｉｎｇ               ｔｏ               ｔｒａｄｉｔｉｏｎａｌ               ｉｎｓｕｒａｎｃｅ               ｗｉｔｈ               ｆｌｅｘｉｂｌｅ               ｓａｖｉｎｇｓ               ａｃｃｏｕｎｔｓ               ｗｉｌｌ               ｐｒｏｖｉｄｅ               ｉｎｃｅｎｔｉｖｅｓ               ｎｏｔ               ｔｏ               ｏｖｅｒｕｓｅ               ｍｅｄｉｃａｌ               ｃａｒｅ. Ｏｖｅｒ               ｔｉｍｅ               ｏｕｒ               ｓｉｎｇｌｅ               ｐａｙｅｒ               ｓｙｓｔｅｍｓ               ｓｕｃｈ               ａｓ               Ｍｅｄｉｃａｒｅ               ａｎｄ               Ｍｅｄｉｃａｉｄ               ｃｏｕｌｄ               ｂｅ               ｐｈａｓｅｄ               ｏｕｔ               ａｎｄ               ｒｅｐｌａｃｅｄ               ｂｙ               ｉｎｄｉｖｉｄｕａｌ               ｂａｓｅｄ               ｈｅａｌｔｈ               ｓａｖｉｎｇｓ               ａｃｃｏｕｎｔｓ               ａｎｄ               ｈｉｇｈ               ｄｅｄｕｃｔｉｂｌｅ               ｈｅａｌｔｈ               ｉｎｓｕｒａｎｃｅ               ｗｉｔｈ               ｍｉｎｉｍａｌ               ｇｏｖｅｒｎｍｅｎｔ               ａｓｓｉｓｔａｎｃｅ.                Ｓｏｍｅｔｉｍｅｓ               ｔｈｅ               ｔｒｕｔｈ               ｈｕｒｔｓ               ｂｕｔ               ｓｏｏｎｅｒ               ｏｒ               ｌａｔｅｒ               ｗｅ               ｈａｖｅ               ｔｏ               ｆａｃｅ               ｉｔ. Ｗｅ               ｃａｎ'ｔ               ｂｌａｍｅ               ｔｈｅ               ｒｉｃｈ,               ｔｈｅ               ｅｖｉｌ               ｃｏｒｐｏｒａｔｉｏｎｓ               ｏｒ               ｅｖｅｎ               ｂｉｇ               ｇｏｖｅｒｎｍｅｎｔ               ｆｏｒ               ｐｒｏｂｌｅｍｓ               ｗｅ'ｖｅ               ｃｒｅａｔｅｄ. 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