Universal Health Code
Universal Health Code can draw a lesson from the health insurance scheme taken by the Feds in the US. Some food for thought has been given below.
- Universal health care system, with no universal health coverage, need to operate with a national health scheme, single-payer or multi-payer universal health coverage, under laws covered by the Feds, to enhance a hybrid system in the US.
- Reasons for the rising costs is on the rise for chronic diseases, including obesity, where most of the medicare spending go towards physicians and hospital fees, associated with repeated hospitalization.
- ACA or Affordable Care Act, needs to highlight issues with preventive care, that can account for a chunk of public insurance, where grouping can be done to base charges to bundle billing for an episode rather than any ad-hoc method for specialization.
- Lack of health insurance costs US government between USD 124 to USD 240 billion per year since 2008, which can be a non-impediment to economic leaks.
- Of more than 50 million uninsured workers under the US, insurance premium can be adjusted at the wage level to provide healthcare at a ground level for workers, as more than 19% of the Hispanics and more than 12% of the Blacks are without any coverage.
- Women need to be charged at a lesser premium, especially single mother and slight better charges for DINC, essentially dual income and no children, under ACA.
- Union workers, if any, need to get more medicare benefits, than the non-union or unorganized sectors of workers in private industries, while unorganized sector in the public or state owned industries need better premium coverage.
- Individual mandates to cover single persons, or family coverage can be a basis for basic coverage through premiums, which can have a modest increase than the median in certain states which do not inspire migration in certain states in the US.
- Preventive care for diseases towards screenings, immunizations, pre-natal care for pregnant women, including finding for community health care centres towards National Health Care Service Corps can support basic coverage for premiums.
- Three types of insurance can make a hybrid system of health insurance. Basic coverage will include hospitals and clinics that are publically owned and operated, financed by governments by tax payments. A national health insurance scheme leading to a single-payer system can collect all health-care fees, and to provide medical facilities which are not publically owned. A multi-player coverage can include a sickness fund for physicians and hospitals at uniform rates.
- Medical insurance capping the fees of the drugs at the pharmacy level to provide details of persons in the US, can take generics instead of specifics, more under the universal basic coverage.
- Digital prescriptions will enable the medicare of the future through networked chain of hospitals and coverage meant for basic insurance to attune to the need for diagnosed healthcare and premium coverage.
- A lack of proper physicians and doctors will create a deadlock for the US, which can be mitigated towards the shift of generics versus specifics at the counters of CVS and insurers like Blue Cross & Blue Shield.
- Underwriting engines can determine premiums specific to geo-spatial distribution and ethnography, based on per capita and population dissect, based on the states.
- Two types of coverage- basically based on the Fed and the States and the local pharmacy can be a stake to the premiums under the basic health coverage and premium coverage, which can be endorsed for advance treatment based on preventive healthcare and diagnosis.