1. A Solution for the Insurance
Exchange
03/08/2010

2. Why is Healthcare so Complicated?
Laws
Services
Information Restrictions
Research Technology
Litigation Medical Schools
Protocols
Medicaid
Private Health
Regulatory Private Practice
Hospital Insurance
Research Medical
Services
Equipment
Terms & Veterans Medical Liability
Conditions Patient Patient Services Devices
Diagnostic Responsibility
Products
Medicare Risk
Diagnostic Liability
Diagnostic Services Therapists
Insurance
Equipment
Pharmaceuticals Gov’t
Funded
Research
Reimbursement
Enablers
Interaction of many industry segments to provide what patient sees as healthcare

3. Can We Afford Universal Healthcare for All?
The Budget Deficit is Dwarfed by the National Debt
The National Debt is Dwarfed by the
Unfunded Mandates of Existing
Entitlement Programs
We Simply Cannot Afford Another Entitlement Program

4. Paying for Free Healthcare
• 1/3 of GDP From Public Sector
– Taxes Fund Government Sector
– Higher Taxes Stifle Growth
– Net Lower Tax Revenue
– Higher Unemployment
Higher Taxes Exacerbate Problem – There is no Free Healthcare

5. No New Taxes
Taxing Employer Paid Healthcare Plans will Have the same negative
effect on Tax Revenue.

6. Patient Relationships and Responsibilities
Physician Hospital Services
Posted Prices for Services Posted Prices for Services
Require Posting on Web
Discount for patients that pay at time of service (TOS)
Patient
Be aware of prices
Pay at time of service
Health Insurance Diagnostic Services
Consistent Standards Posted Prices for Services
Plan Pricing Discount for Payment at TOS
Option Pricing
Offer Discounts for Patients that file paperwork
Offer discounts for patients that pay at TOS

7. It is More Cost Effective if Government Runs the Plan
• The President Estimated Health Insurance Companies Profits
in 2009 - $12B
• CBO – Medicare Fraud and Abuse (F&A)
– $60B in 2009
• Industry F&A 1% and Average profit 5.6%
• Computes to $2B industry F&A
• Net: Non-profit, government run Medicare cost the US tax
payers $46B last year versus industry run healthcare
• This Does not Even Take Into Account the Government's
Lower Productivity and Labor that IRS Requires to Collect
Taxes
Government Run Translates into Higher Cost

8. Health Insurance Exchange
• Government Guaranteed Health Plan
– Implemented By Insurance Contractor
– Periodically Selected via Competitive Bid Process
• Capped Profits and Open Books
• Basis of Estimate Provided
• Compliant with Federal Acquisition Regulations
• Insurance Available Nationwide
– Plans and Options Will Be Defined in the Terms and Conditions
• Allows Flexibility in Refining Plans
• Options for Lifetime Maximums
• Identifies Pre-existing Conditions for Which Premiums May Be Increased
• Provides Insurance Pool for Individuals and Small Business.
• Guarantees Health Insurance for High Risk Individuals
– Will Not Be Free
– Government Picks Up Premiums if Catastrophic Illness Occurs
• Medicare Should Be Switched to a Similar Implementation

9. Regulatory Reform
• Reform FDA regulations to be more in line with European
Standards
• Accept European Approved Drugs and Devices
• Implement Compensation Board
– Compensation Schedule For Adverse Effects
• Allow Companies to Facilitate Off Label Use
• Mandatory Jail Time for Executives that Intentionally Put
Public at Risk
• Let Doctor and Patient Make the Quality of Decision
• Eliminate Onerous HIPAA Privacy Laws
– Apply Same Laws as Financial Institutions
Allows More Treatment Options in a More Timely Manner
http://www.youtube.com/watch?v=itnvWpIcfM4

10. Back-up Slides

11. Useful Links
• http://www.afcm.org/fallacies.html
• http://www.paythedoctor.com/
• http://csteventucker.wordpress.com/2009/03/29/the-truth-about-preexisting-conditions/
• http://bradmd.blogspot.com/2010/03/death-panels-are-real-and-exist-now.html
• http://gopvoiceofthepeople.blogspot.com/2010/03/what-is-tort-reform.html
• http://networkedblogs.com/SANQ

12. Useful Links
• http://beaufortteaparty.blogspot.com/2010/03/obamacare-part-iv-more-insanity-so-
pass.html?showComment=1267921721140_AIe9_BGD3f0pWQgvARUBDm2gNZX4lmES0dHQ6ctdslVZ57gfhemb2pU7c4Ca1Z
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06q3mZN-mUl2Kq0hcqOUtrmMbSlDNZb-
UlHRf0oN10n_ZSJWC7cYW3QmPMTWYsNb_dD653ZaxLewuGw0_Ys3aC8NDKcdZRJXV3j_p3XaOx#c5939458995751086490