Praise for America's Health Care Crisis Solved "All Presidential candidates--as well as everyone else--must read this insightful book. Rooney and Perrin brilliantly show how the health care crisis can be positively solved in a way that will give the best of all worlds--more health care at less cost." --Steve Forbes, Chairman & CEO, Forbes "Pat Rooney is the man who came up with the concept of Health Savings Accounts as a way to cut medical costs, give power to medical consumers, and provide health coverage to rich and poor alike without either bankrupting the nation, ruining the best health…mehr
Praise for America's Health Care Crisis Solved "All Presidential candidates--as well as everyone else--must read this insightful book. Rooney and Perrin brilliantly show how the health care crisis can be positively solved in a way that will give the best of all worlds--more health care at less cost." --Steve Forbes, Chairman & CEO, Forbes "Pat Rooney is the man who came up with the concept of Health Savings Accounts as a way to cut medical costs, give power to medical consumers, and provide health coverage to rich and poor alike without either bankrupting the nation, ruining the best health care available anywhere in the world, or forcing providers and patients alike to dance to the tune of bureaucrats with little empathy for either. This book analyzes the health care 'crisis' so much on the lips of politicians these days and provides a solution that reasonable people should ponder as they work their way through the overheated and often wrong-headed solutions advanced by leading politicians of both parties." --David A. Keene, Chairman, The American Conservative Union "Rooney and Perrin have changed the course of health care in the United States, and they did it by bringing Americans the best tax break in the code: tax-free deposits, tax-free withdrawals, and tax-free interest--in the form of Health Savings Accounts. Anyone who is going to be involved in the second great health care debate (the first being HillaryCare) should read this very readable book." --Grover Norquist, President, Americans for Tax Reform "J. Patrick Rooney and Dan Perrin know that much of what we call the health care 'crisis' would go away if we transferred direct control over the flow of health care dollars from big institutions to individuals and families. How? Enact a refundable health care tax credit for every American; introduce medical savings accounts into Medicare; and make health care prices, especially in hospitals, transparent. An excellent, hands-on guide for consumers and voters, this book comes just in time for the 2008 Presidential elections." --Edwin J. Feulner, PhD, President, The Heritage FoundationHinweis: Dieser Artikel kann nur an eine deutsche Lieferadresse ausgeliefert werden.
Dan Perrin is the author of HSA Road Rules, known as the bible of the HSA industry by bankers and insurers. He is President of the HSA Coalition and is widely acknowledged to have been a key player in the passage of every piece of HSA legislation that has made its way through Congress and been signed into law by the President in the last decade. Perrin is one of the nation's top HSA experts and has been quoted on the subject in every major newspaper in the United States.
Inhaltsangabe
Preface xiii Introduction xvii PART 1 REALITIES Chapter 1 No Money, No Health Care 3 Who Can Afford to Get Sick? 3 A Helicopter View of Health Care Financing 4 The Good Bad News 5 No More Business as Usual 6 Chapter 2 Why the Money's Running Out 9 No Room at the Inn 9 Standard Operating Procedure 10 The Motive Is Profit 11 The Problem Is Greed 12 On the Front Lines with Nora Johnson 13 Chapter 3 A New Scarlet Letter 21 A Lady in Red 21 Who Are the Uninsured? 22 The Danger of Secondhand Smoke 23 Injustice for All 23 Chapter 4 Why Nationalized Health Care Is No Cure-All 27 The HMO Idea 27 An Idea Rejected 28 Phoenix Rising? 28 HillaryCare II 29 O Canada 33 The Cost of Inefficiency 35 God Save the Queen 36 Look No Further 37 New York, New York 37 Florida, Here We Come 38 The Evidence Speaks 39 PART II STRATEGIES Chapter 5 Fair Care 43 Three Keys to Make Fair Care Work 45 Congressional Action 47 Two Crucial Points on Fair Care 48 Fair Care Effect on Employers 48 Fair Care Effect on Employees 48 The State of the Union Proposal 48 Chapter 6 Give Seniors What They Want (and Save Money Doing It): An Innovative Approach to Medicare 51 Part D of Medicare: Prescription Drugs for Seniors 52 The Future of Medicare 53 Defining the Terms 53 Drug Money 54 An Unfunded Mandate 55 A Bureaucratic Snafu 55 Cost Comparison 56 Saving the U.S. Treasury Money 59 How Much Could Our Country Save? 60 Give Seniors What They Want 61 Too Good to Be True? 61 How Much Money in Each Senior's Hands? 62 Chapter 7 Give Control to Consumers through HSAs 65 Back to the Future 65 One Experience 66 HSAs Today 67 A Quick Overview 67 Health Care Freedom 69 A Dollar-for-Dollar Comparison 70 The Best Interest of the Consumer 70 An IRA on Steroids 72 The Truth Be Told 73 A Word about Family Deductibles 76 Republicans versus Democrats 76 A Legitimate HSA Weakness 79 Three Mistakes Employers Make 79 A Response to Mr. Rangel 81 What Does the Evidence Say? 82 A Side Note 83 What Congress Still Needs to Do 83 Chapter 8 Establish Fair Medical Prices 87 Which Price Tag? 87 What's a Reasonable Price? 89 What Can We Conclude? 91 How to Defend Yourself against Hospital Harassment 91 What's a UB-04 or a UB-92? 95 Where to Get the Medicare Information 96 Now You're a Royal Pain 97 Sounds Good, But Does It Work? 98 Do You Need a Lawyer? 99 The Key to Health Care Reform 99 Chapter 9 Make Medical Prices Transparent: An Innovative Approach to Pricing Health Care 101 Between a Rock and a Hard Place 101 Why Not Be Honest? 102 Cost Reporting 102 Truth Detector 103 Do Hospitals Lose Money on the Uninsured? 103 Who's Losing Money? 104 Are We Really Too Dumb to Understand? 104 What Needs to Change 105 Legislation Now Pending 106 Medicare Starts to Move 107 And Not Just the Hospitals 107 Chapter 10 Build Risk Pools: An Innovative Approach to Individual Health Insurance 109 New York State of Mind 109 No Picnic in the Garden State 110 Ferrari Pricing 113 One Way to Cope 114 Compassion versus Common Sense 114 Casting the Net 115 Double Incentive 115 The Problem for Small Businesses 117 A Future Answer for Small Businesses 117 A More Immediate Answer 118 List Bill 118 The Rest of the Story 119 Chapter 11 Build a National Marketplace: An Innovative Approach to Individual Health Insurance 121 Do You eBay? 122 Nothing Matters More 122 Roadblocks to Freedom 123 Health Care Choice Act 124 Not in My Backyard 124 An Idea for the People 125 Let's Get It Done 125 Chapter 12 Make Basic Health Care Cheaper and More Convenient: An Innovative Approach to Health Care Delivery 127 What Is a Quick Care Clinic? 128 The Customer Is King 129 Calling Dr. Nurse 129 "You've Got Care" 130 Chapter 13 Do It Right the First Time: An Innovative Approach to Wellness 131 Dr. Paul Ellwood 131 The Right Goal 132 The Right Kind of Competition 132 It Is Your Health 133 Lose the Gatekeepers 133 Get Well Soon 134 Chapter 14 Wrapping It All Up 135 Appendix A Public Testimony of Dr. Gerard Anderson 137 Appendix B Memorandum of Case Law Precedents Showing Hospitals Can Charge Only Reasonable Prices 151 Appendix C An Example of a Legal Complaint against a Hospital for Unreasonable Charges 155 Appendix D Executive Order: Promoting Quality and Efficient Health Care in Federal Government-Administered or -Sponsored Health Care Programs 169 Appendix E S.173, Medicare Savings Account Legislation Introduced by U.S. Senator Inhofe (R-OK) and U.S. Senator DeMint (R-SC) 173 Appendix F The Common Sense Guide to Health Savings Accounts by Roy Ramthun 179 Notes 227 Index 237
Preface xiii Introduction xvii PART 1 REALITIES Chapter 1 No Money, No Health Care 3 Who Can Afford to Get Sick? 3 A Helicopter View of Health Care Financing 4 The Good Bad News 5 No More Business as Usual 6 Chapter 2 Why the Money's Running Out 9 No Room at the Inn 9 Standard Operating Procedure 10 The Motive Is Profit 11 The Problem Is Greed 12 On the Front Lines with Nora Johnson 13 Chapter 3 A New Scarlet Letter 21 A Lady in Red 21 Who Are the Uninsured? 22 The Danger of Secondhand Smoke 23 Injustice for All 23 Chapter 4 Why Nationalized Health Care Is No Cure-All 27 The HMO Idea 27 An Idea Rejected 28 Phoenix Rising? 28 HillaryCare II 29 O Canada 33 The Cost of Inefficiency 35 God Save the Queen 36 Look No Further 37 New York, New York 37 Florida, Here We Come 38 The Evidence Speaks 39 PART II STRATEGIES Chapter 5 Fair Care 43 Three Keys to Make Fair Care Work 45 Congressional Action 47 Two Crucial Points on Fair Care 48 Fair Care Effect on Employers 48 Fair Care Effect on Employees 48 The State of the Union Proposal 48 Chapter 6 Give Seniors What They Want (and Save Money Doing It): An Innovative Approach to Medicare 51 Part D of Medicare: Prescription Drugs for Seniors 52 The Future of Medicare 53 Defining the Terms 53 Drug Money 54 An Unfunded Mandate 55 A Bureaucratic Snafu 55 Cost Comparison 56 Saving the U.S. Treasury Money 59 How Much Could Our Country Save? 60 Give Seniors What They Want 61 Too Good to Be True? 61 How Much Money in Each Senior's Hands? 62 Chapter 7 Give Control to Consumers through HSAs 65 Back to the Future 65 One Experience 66 HSAs Today 67 A Quick Overview 67 Health Care Freedom 69 A Dollar-for-Dollar Comparison 70 The Best Interest of the Consumer 70 An IRA on Steroids 72 The Truth Be Told 73 A Word about Family Deductibles 76 Republicans versus Democrats 76 A Legitimate HSA Weakness 79 Three Mistakes Employers Make 79 A Response to Mr. Rangel 81 What Does the Evidence Say? 82 A Side Note 83 What Congress Still Needs to Do 83 Chapter 8 Establish Fair Medical Prices 87 Which Price Tag? 87 What's a Reasonable Price? 89 What Can We Conclude? 91 How to Defend Yourself against Hospital Harassment 91 What's a UB-04 or a UB-92? 95 Where to Get the Medicare Information 96 Now You're a Royal Pain 97 Sounds Good, But Does It Work? 98 Do You Need a Lawyer? 99 The Key to Health Care Reform 99 Chapter 9 Make Medical Prices Transparent: An Innovative Approach to Pricing Health Care 101 Between a Rock and a Hard Place 101 Why Not Be Honest? 102 Cost Reporting 102 Truth Detector 103 Do Hospitals Lose Money on the Uninsured? 103 Who's Losing Money? 104 Are We Really Too Dumb to Understand? 104 What Needs to Change 105 Legislation Now Pending 106 Medicare Starts to Move 107 And Not Just the Hospitals 107 Chapter 10 Build Risk Pools: An Innovative Approach to Individual Health Insurance 109 New York State of Mind 109 No Picnic in the Garden State 110 Ferrari Pricing 113 One Way to Cope 114 Compassion versus Common Sense 114 Casting the Net 115 Double Incentive 115 The Problem for Small Businesses 117 A Future Answer for Small Businesses 117 A More Immediate Answer 118 List Bill 118 The Rest of the Story 119 Chapter 11 Build a National Marketplace: An Innovative Approach to Individual Health Insurance 121 Do You eBay? 122 Nothing Matters More 122 Roadblocks to Freedom 123 Health Care Choice Act 124 Not in My Backyard 124 An Idea for the People 125 Let's Get It Done 125 Chapter 12 Make Basic Health Care Cheaper and More Convenient: An Innovative Approach to Health Care Delivery 127 What Is a Quick Care Clinic? 128 The Customer Is King 129 Calling Dr. Nurse 129 "You've Got Care" 130 Chapter 13 Do It Right the First Time: An Innovative Approach to Wellness 131 Dr. Paul Ellwood 131 The Right Goal 132 The Right Kind of Competition 132 It Is Your Health 133 Lose the Gatekeepers 133 Get Well Soon 134 Chapter 14 Wrapping It All Up 135 Appendix A Public Testimony of Dr. Gerard Anderson 137 Appendix B Memorandum of Case Law Precedents Showing Hospitals Can Charge Only Reasonable Prices 151 Appendix C An Example of a Legal Complaint against a Hospital for Unreasonable Charges 155 Appendix D Executive Order: Promoting Quality and Efficient Health Care in Federal Government-Administered or -Sponsored Health Care Programs 169 Appendix E S.173, Medicare Savings Account Legislation Introduced by U.S. Senator Inhofe (R-OK) and U.S. Senator DeMint (R-SC) 173 Appendix F The Common Sense Guide to Health Savings Accounts by Roy Ramthun 179 Notes 227 Index 237
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