Necessity is the mother
of innovation
Not only did Donald Trump win the 2016 Presidential Election
but Hidalgo County’s Proposition 1 Healthcare District was defeated. The
Republican Party in Hidalgo has a lot to be excited about but not so much. They
don't see to see the clear path ahead of them. Even though the Republicans didn’t
win in the Rio Grande Valley the fact that they defeat Proposition 1 is a
victory that they can claim all on their own. It is a stepping off point. There
is an alternative solution that is custom made for the dilemma that the
hospitals have where they can’t refuse treatment which they most likely will
never receive payment for, Family Medical Pools. These accounts would be funded
by payroll deductions already being taken out of income but instead of going to
health insurance where fees are charged and coverage limited it would go into
medical savings accounts for specific families. There is no problem doing
business across state lines, Doctors wouldn’t have to wait for payment from
insurance companies, they would be paid at the point of sale. In the event a
patient goes to the emergency room without coverage, they would just be
enrolled in their family’s pool. There would be social pressure for members of
the family to lead more healthy life styles and not to be going to the doctor
for frivolous reasons. Also to get those who aren’t contributing a job so they
can contribute to the family Healthcare pool. It would solve the problem which
caused the Hospitals in Hidalgo County to propose Proposition 1 and they don’t
need voter approval. The Mormon Church has global database of families’ linage
which they would be able to utilize in notifying family members of these
Healthcare Pool Accounts. All that is required is a cooperating bank and the
hospital to adopt it as a solution. There is no underwriting, there would be
business opportunities for retired doctors and nurse practitioners as advisors
to families when deciding on treatment. With all of the winter Texans in the
Valley and the undocumented residents this is an ideal solution. If they seek
treatment, they just need to show their ID and the hospital can look up their
family healthcare accounts and add them to it.
