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Medicare for All
Medicare for All.
Everybody In. Nobody Out.

Single-Payer: Comparison to Current System

How Single-Payer Benefits You, Your Family and the Country
and How to Get It for the United States

Add Years to Our Lives and Life to Our Years at a Lower Cost

A pdf version of this web page is available either to view or to print a double-sided handout.

Current System: Complicated,
Bureaucratic, Expensive, Partial Coverage

Non-Profit Single-Payer: Simple,
Efficient, Half the Cost, Full Coverage

Varying degree of (unknown) benefits
– Variations among thousands of plans
– Details of coverage are often unknown until the doctor, hospital, or patient calls the insurance company to ask for approval to get health care

All medically-necessary care in one national plan
Primary care; inpatient care; outpatient care; emergency care; prescription drugs; durable medical equipment; hearing services, long term care; palliative care; podiatric care; mental health services; dentistry; eye care; chiropractic care; substance abuse treatment

Many Payers:
- Over 1500 health insurance companies plus an excessive number of additional programs: federal, state, and private (difficult to count)
– Result: patients pay excessive costs (below)

Single-Payer = One-Payer:
- One non-profit, public agency, accountable to the people
- Best version of non-profit national health insurance (NHI)
- Improved Medicare for All, no longer privatized
- Result: patients will pay minimal costs (below)

Basis: Free-Market Principles:
- The only free-market high-income country with this basis
Focus on investors’ profits

Basis: Principles of Social Solidarity:
- All other free-market high-income countries have NHI
- Focus on Caring … by assuring health care for all

Astonishingly Poor Health in the USA:
- Life expectancy 30th in the world (50th as per CIA) - 19th of 19 in minimizing deaths due to preventable diseases

Healthier society and workforce:
- More people will be able to go to the doctor
- Physicians will provide more preventive & wellness care

Financial and emotional stress for many:
- Hardships for millions of Americans

Peace of mind for all:
- No major medical bills, the root cause of the hardships

Health care for some 78.5 million are either
   uninsured or underinsured: 42% of 19-64 yr old adults

Health care for all with dignity:
- Everybody In; Nobody Out. Show card & get care.

Health care restrictions
– HMO’s: specific physicians, specific hospitals
– Restrictions: out-of-network, pre-existing conditions
– Restrictions of care based on ability to pay
Wait Times, including infinite wait times for the uninsured

Health care choices
– Selection of physicians, who will maintain their private practices, and selection of medical facilities
– Minimal wait times via continued wait time (queue) management as demonstrated in & out of U.S.

Insurance plan choices
– Yearly review & decision on which insurance plan(s)
– Constant worry about the impact of your choice
    on the availability of care for your loved one(s)

Lifestyle choices. … coverage always there
- New job or loss of job
- Any profession/employment
- Leave of absence or early retirement to care for a relative

Complex with Many Costs:
– Payment of taxes and expensive health insurance premiums by employers and individuals

– Expensive co-pays and deductibles
– Percentage not covered by insurance
– Health care bills after the lifetime limit is exceeded
– Interest amount(s) during the payment of medical bills – Our federal and state taxes used to pay for-profit insurers:
    – Incentives to health insurance companies
    – Tax benefits to employers who provide health insurance
    – Medicaid & many othe programs in 50 states,
        many run by for-profit companies

Simple with Minimal Costs:
Payment of taxes to the single-payer fund,
but health insurance premiums drop to zero
    The cost per person will be less than half (as per HR676)
   $12,500/yr income:   $49/month for health care
   $50,000/yr income:  $198/month for health care

– No co-pays, no deductibles (as per HR676)
– Much lower drug prices (negotiations; bulk purchasing) – Dramatically lower health care costs per family (as per HR676)
Higher family income due to large net savings – Higher business profits, helping to keep jobs in the U.S.
– See Costs and Savings

Results of simplicity:
– Physicians send bills to the single-payer
– Single-payer makes equitable payments promptly with minimal paperwork
– Dramatically lower costs, such as prescription drugs
– Lower average cost per business
– One risk pool: society providing health as a public good, as well as other public services already being provided as a public good

Very poor efficiency.
– About 69% estimated efficiency
– About 31% spent on administrative functions

Managed, influenced, and/or operated by many:
– Over 1500 private insurance companies
– Multiple federal government programs
– Fifty states with their programs
– Influence of corpporate lobbyists
– Large billing staffs in hospitals & physician offices
– fund-raisers by friends, co-workers, relatives, charities

Also see “Current Condition” and its
U.S. Health Care Financing

Excellent efficiency.
– About 95% or higher estimated efficiency

Managed by one public agency:
- Insulated from the U.S. and state legislatures
- Run by regional boardsWith regions being the same geographic locations as today’s ten Medicare regions

Results of single-payer:
Dramatic reductions in private and government bureaucracy

Summary About Non-Profit Single-Payer Financing:
* Simpler, more efficient
* No health insurance company bureaucracy
* Much less government bureaucracy
* Result: more benefits at a lower cost!
* The largest step the U.S. can take
to achieve quality affordable health care

We Want Single-Payer: Improved Medicare for All

non-profit single-payer national health insurance

   Residents of other free-market countries pay less than half the cost.

   They get quality health care for their entire lives and live longer.

   They have the peace of mind of knowing that they and their families get health care and have no major medical bills.

   To help get this for the U.S. you can go here to join the Million Letters for Health Care Campaign

We want simple, efficient single-payer.

We want support of our health and well-being, not the support of health insurance companies and an expansion of government programs.

We are raising our unified voices by sending letters and/or calling our U.S. Representatives.

We expect the members of the U.S. Congress to listen and respond. They just need to set up the public agency which will be insulated from them and the lobbyists who influence them.

Further reading

See: We are Definitely Not Getting Our Money’s Worth!

Read more about: “One non-profit, public agency, which is accountable to the people and insulated from the U.S. legislature.” …

“Health Care Meltdown* by Robert H. LeBow, MD, which is revised and updated by C. Rocky White, MD. for the 2007 edition; p. 271.

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