Universal Health Care--Payment Schedules

Medicare and Medicaid break the Social Security system and State Budgets. There seems no methodology to forestall this fact. Both programs break the fiscal Sponsors, and they do this because they are not inclusive; the programs lack funding due to the fact they cover the entire potential Population, but possess a constricted Tax base. This Author believes the only Solution must be integration of the entire Population into health care. The trouble with a universal Health system lies in the bureaucracy of Government. Traditional universal Health Care systems operate very inefficiently. He previously offered a potential example of a working universal Health Care system, but did not enter into the Funding payment schedule for a Health Care system of universal nature; this is the 'Meat and Potatoes' of any discussion. Here is the Author's Health Care Plan in terms of a Payment system:

1) Medicare and Medicaid would be phased into a universal Health Care system,
2) Government would draft a health insurance policy with the Insurance industry, which would cover basic necessary medical care, including all Proscription drugs, but would have a yearly maximum financial obligation; Hospice Care, Pain Relieve, and Injury repair to be excluded from the limit on financial obligation. The basic premium rate would be negotiated yearly between the Government and a Insurance industry board of negotiators.
3) The Bureau of Labor Statistics would determine the peak Income-earning Years of all Labor, each Age-year given a factor multiple (Year One--0, Year 14--0.4, Year 30--2.8, Year 50--3.7, etc.). Premium rates would be set by peak earning capacity, not by the current system of expected health care cost per year.
4) Employers will be obligated by law to match Employee contribution.
5) Only American citizens and their Dependents(Resident or Nonresident), or foreign labor employed on American soil(Dependents must be resident) will be covered by the universal health care system.

Certain reservations occur with this Payment Schedule: Only American citizens and their Dependents will be covered in conditions of Unemployment; foreign labor plus their Dependents will lose medical coverage upon Retirement; Employers will actually be underfunding the universal health care system under this Plan--so some inequality to their bias may need to be introduced; Insurance companies must be refused the ability to refuse medical payments, but allowed to make only industry-standard payments in lieu of excessive charges.

This is the best the Author can come up with. We must resist the Money gleam in the eyes of the Health Care industry, resist expansions of Coverage, resist Insurance industry desires for huge Profit-taking, and listen to the protests of Employers; still, We could get through this. lgl