private insurance scheme. Private insurance is too expensive. It costs too much money to keep the fat cats fat.
I'm hearing a lot about how we can't afford healthcare, how the rises in the cost of healthcare are ruining the country. So, if we are serious about cutting healthcare costs, let's start by cutting out the middlefolks, the private insurance companies that don't really add any value to the healthcare services their companies provide.
We need a public healthcare alternative. An alternative to private healthcare should be available to every American. Let the people choose whether they want private of public healthcare.
By the way, I have Medicare and chose to go with Kaiser. Why? Because a family member was a doctor there and I learned how well they guide doctors to provide good preventive services. Also, I had an on-the-job injury and my Kaiser doctors were really great. By the way, I may be wrong, but I believe that Kaiser is owned by its doctors.
Why do I want a public alternative? Because I lived in Europe quite a few years and loved the healthcare system there. Kaiser is the closest thing to the European healthcare system that I have been able to find.
Here are a couple of articles on Kaiser:
Kaiser Permanente is a nonprofit organization with no “shareholders” seeking dividends. Kaiser Permanente is guided by the needs of its members and a desire to provide benefit for the communities in which they operate.
Kaiser Permanente offers its health care services through a network of over 12,000 physicians belonging to Permanente Medical Groups; 30 medical centers and more than 400 medical offices that form the Kaiser Foundation Hospitals as well as the Kaiser Foundation Health Plan.
http://www.ekaiserinsurance.com/index.asp. . . .
Talk to Kaiser physicians and they invariably speak of the cooperative spirit in Kaiser hospitals and clinics, and how they practice team medicine. "In most other places, people want to protect their specialties and they compete for patients," said Dr. David Niver, a surgeon in the medical center in Walnut Creek, Calif.
It is a distinctive culture, but one fostered by incentives and organization. At Kaiser, the medical groups are separate from the business side; there are no accountants telling doctors what to do. And physicians at Kaiser are not fighting with insurance companies for payment, because Kaiser is both insurer and provider. Members in Kaiser plans go to Kaiser doctors in Kaiser clinics.
Doctors' performance is measured by peer reviews and patient surveys. Bonuses can add 10 to 20 percent to physicians' salaries, which vary according to specialty and are based on national compensation surveys of physicians. Salaries nurture a very different mentality from the piecework mind-set of fee-for-service medicine.
And Kaiser has no formal "rationing" - that is, no explicit scorekeeping of how many expensive tests or procedures a physician orders for patients. Yet in the self-governed medical groups, physicians are taught plenty about trade-offs and accountability. "Part of professional responsibility is to seek the highest and best use for each dollar," said Dr. Sharon Levine, a director in the Northern California medical group.
. . . .
http://www.nytimes.com/2004/10/31/business/yourmoney/31shmo.htmlSo, this is a good model that is sort of private but non-profit and therefore with some of the advantages of a public plan. Kaiser is relatively inexpensive. Sometimes you have to wait for certain services, but only if the wait won't be a huge problem. Like any other insurance, a lot depends on your doctor and your rapport with your doctor.