Saturday, November 19, 2016

Hidalgo County has the answer to Obamacare


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.