The kitchen keeps getting hotter and hotter. Everyday someone new comes out with their opinion why HSAs will not work, and today is no different. In todays lead article, Dr James Mongan is DEAD WRONG when he says "The president's prescription for our ailing health care system is, astoundingly, to encourage the further deterioration of private insurance coverage for those in the middle class who have become increasingly worried about holding onto their current policies.
The dilemma we have has two problems: One is the fact that it is not the employees policy, it is the policy of the employer sponsored plan and will have to be surrendered if the employee leaves or is asked to leave. Second problem is the fact that employees have no clue as to the cost of the insurance and the cost of any care delivered by the plan. CONSUMER IGNORANCE is leading to RECORD PROFITS FOR HEALTH INSURANCE COMPANIES, RECORD PROFITS FOR HEALTHCARE PROVIDERS, RECORD PROFITS FOR DRUG COMPANIES, RECORD HEALTH INSURANCE PREMIUMS FOR BUSINESS OWNERS, A RECORD NUMBER OF AMERICANS WHO ARE OBESE AND A RECORD NUMBER OF DEATHS ATTRIBUTED TO POOR LIFE STYLE CHOICES; SMOKING AND OBESITY. Now with all that said, how can a system repair itself WHEN the profits of Wall Street are tied to our failing health
ALL healthcare plans cost large sums of money and are all paid for by every American regardless. Employer plans are paid for 100% by the employee. Tax payers pay for all Medicaid and Medicare plans. Regardless of who controls the supply all methods of delivery are expensive. The problem we are now faced with is the fact that demand is exceeding supply. Demand must be reduced in order for our system to remain intact. Americans are FAT (66% are overweight) and DUMB when it comes to health care cost, and not until these conditions are cured will our healthcare system survive. We have a lot of work to do in a very short period of TIME
Dr Mongan needs to understand the the middle class is PAYING THE WHOLE BILL when it comes to healthcare premiums via their employer. To get the true picture Dr Mongan must apply the CashDoctor.com HSA formula, X+Y = Z (X=Major Medical, Y=HSA contribution, Z=Current Plan). The formula does not take into consideration the percentage paid by the employer or the employee because this is irrelevant to the cost associated with healthcare. The purpose is to SEE THE WHOLE COST.
Dr Mongan needs to stop protecting a failing system and start making a difference. FIRST he should move immediately to TRANSPARENT PRICING - POST ALL PRICES ON THE INTERNET NOW! As a leader, he should lead and not wait until the government steps in and requires, by law, the posting of actual fee schedules. Secondly he should pursue healthcare plans that CONNECT PATIENTS DIRECTLY WITH HEALTHCARE PROVIDERS. Dr Mongan and his organization should start leading TODAY!
The dilemma we have has two problems: One is the fact that it is not the employees policy, it is the policy of the employer sponsored plan and will have to be surrendered if the employee leaves or is asked to leave. Second problem is the fact that employees have no clue as to the cost of the insurance and the cost of any care delivered by the plan. CONSUMER IGNORANCE is leading to RECORD PROFITS FOR HEALTH INSURANCE COMPANIES, RECORD PROFITS FOR HEALTHCARE PROVIDERS, RECORD PROFITS FOR DRUG COMPANIES, RECORD HEALTH INSURANCE PREMIUMS FOR BUSINESS OWNERS, A RECORD NUMBER OF AMERICANS WHO ARE OBESE AND A RECORD NUMBER OF DEATHS ATTRIBUTED TO POOR LIFE STYLE CHOICES; SMOKING AND OBESITY. Now with all that said, how can a system repair itself WHEN the profits of Wall Street are tied to our failing health
ALL healthcare plans cost large sums of money and are all paid for by every American regardless. Employer plans are paid for 100% by the employee. Tax payers pay for all Medicaid and Medicare plans. Regardless of who controls the supply all methods of delivery are expensive. The problem we are now faced with is the fact that demand is exceeding supply. Demand must be reduced in order for our system to remain intact. Americans are FAT (66% are overweight) and DUMB when it comes to health care cost, and not until these conditions are cured will our healthcare system survive. We have a lot of work to do in a very short period of TIME
Dr Mongan needs to understand the the middle class is PAYING THE WHOLE BILL when it comes to healthcare premiums via their employer. To get the true picture Dr Mongan must apply the CashDoctor.com HSA formula, X+Y = Z (X=Major Medical, Y=HSA contribution, Z=Current Plan). The formula does not take into consideration the percentage paid by the employer or the employee because this is irrelevant to the cost associated with healthcare. The purpose is to SEE THE WHOLE COST.
Dr Mongan needs to stop protecting a failing system and start making a difference. FIRST he should move immediately to TRANSPARENT PRICING - POST ALL PRICES ON THE INTERNET NOW! As a leader, he should lead and not wait until the government steps in and requires, by law, the posting of actual fee schedules. Secondly he should pursue healthcare plans that CONNECT PATIENTS DIRECTLY WITH HEALTHCARE PROVIDERS. Dr Mongan and his organization should start leading TODAY!
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