1.                   The program will provide full and free medical care to all citizens seeking the services of a physician or any health care facility. No citizen can be refused services either by a physician whose list they are on or by a local facility like a hospital or clinic.

2.                   All issues arising from inadequate care or refusal of treatment will be regulated by the administrators of the program. Physicians refusing to accept the decisions of the administrators will have their licenses to practice medicine in the United States revoked.

3.                   All practicing general physicians and health care facilities must participate in this program. They may have private patients that are not citizens of the United States or citizens who are not willing to accept the care of a physician as outlined by the program administrators. Those patients will not be covered under this program. How the physician bills these non-citizens or non-participants for their services is up to them.

4.                   Each physician or facility may have no more than 3000 citizens under their care not including non-citizens or non-participants that are exempt from this program.

5.                   The program administrators will set all rates for treatments, drugs, services and procedures performed by these physicians and facilities. These rates will be based on an average service charge for adequate services rendered. Current and historical costs will be used to help set these rates. There will be no treatments, drugs, services and procedures of any kind that will not be included in this list.

6.                   It will provide benefits for industrial injuries, illness, unemployment, maternity costs, and for children in certain circumstances, as well as allowances for guardians and widows, retirement pensions, and death payments.

7.                   Retirement benefits are paid to men and women at the age of 65.

8.                   Family allowances are payable for all children up to the ages of 18, or when the child leaves school.

9.                   The program assists the needy through weekly cash benefits and special services for the handicapped.

10.                Fees will be charged to the program and not to the patient. The patient pays nothing.

11.                Most of these services are financed partly through compulsory weekly contributions by employers and employees and partly by the government out of general taxation.

12.                No law suits will be allowed against any physician, facility or drug manufacturer that is accused of mistreatment, malpractice or malfeasance. Instead, the administrators of the program will hear all cases and will determine the proper course of action against any service provider or drug company. Those actions could include fines, lost of license or criminal prosecution and payments from the service provider or drug manufacturer directly to the patient. No outrageous settlements will be allowed. This will keep services and research and development at the highest quality standards and also keep prices for drugs and services as low as possible since health care industry participants will not have to charge prices bases on their cost of insurance that covers law suits and damages.

 What’s left to figure out is: what is the proper rate of contributions by employers, employees and general taxation that will adequately finance this new program? There are many accountants within the related industries – insurance, health care providers, hospitals, drug manufacturers and government regulators, etc. – that can figure out and compute a starting point for these contributions based on current costs, historical costs and utilization of health care providers and facilities. In other words, we know what the current system costs. Use those numbers to get started. Once the program is underway, adjustments can be made to address any shortcomings in contribution rates and percentages as we gather actual results from this new program.

 The bottom line is the current system of health care and insurance coverage is broken and will soon be unaffordable to even the employed citizen who works for a company that provides them with insurance coverage or the citizen who has tried their best to provide a good retirement for themselves. Each year the employee is seeing more and more of their hard earned money disappearing from their take home pay to cover the rising cost of insurance and the retiree is seeing more and more money disappearing from their retirement funds. And the insurance coverage in those policies keeps getting worse with less and less things being covered.

 Too many law suits keep the price of health care at a premium. Too many government regulations force drug manufactures to set their prices very high to cover the cost of research and development and to make sure that they do everything possible to produce a good and safe product. Proper medical health care and insurance can only be considered a necessity of life.  Sure we need safe drugs. Sure we need good health care for all our citizens. Sure doctors and service providers need to know that they are not going to be run out of the business or loss everything they have worked so hard for because of some law suit that is unfairly prosecuted.