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Send the Open Market Reform Bills to Your US Senator

Posted on Mar 3, 2013 by in Featured, Portfolio | 155 comments

Send the Open Market Reform Bills to Your US Senator

Please copy the text below and paste it into your word processor.
Feel free to modify the text of the cover letter (we are still a free country after all).
Then print sign and physically mail to your Senator(s).

Thank you for supporting this most urgent call to action!
Sincerely, The Initiative

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Date: ____ / ____ / ____

Honorable _________________________________________
The United States Senate
___________________________________________________
___________________________________________________
Washington, D.C. 20510

Regarding: The Saving Private Healthcare Initiative

Dear Senator ___________________________________;

I would like to bring your attention to a most urgent matter regarding our nation’s healthcare system. As you are aware, our healthcare system is headed for collapse, despite the recent Patient Protection and Affordable Care Act. This collapse will have dire consequences to not only the health of my family and me but also to our seniors, our medical professionals, those in need, and the long-term quality of United States healthcare. Collapse will significantly add to our ballooning federal deficit and may drive the United States into a severe, decade-long recession.

I urge you to review the enclosed outlined legislation to support The Saving Private Healthcare Initiative. This is a free-market healthcare-reform group that will change the entire healthcare sector to a free-market, commonsense industry giving everyone access to more medical services at much lower cost than is possible under today’s system. “The Initiative” will reduce Medicare and Medicaid costs by $631 billion per year while giving seniors and those in need much improved access to higher-quality care than they have today.

The Initiative is made up of consumers, doctors, healthcare-industry leaders, medical associations and others who will use this free-market healthcare-reform structure to create a complete, 8-year healthcare industry reform and installation plan that will bring down overall medical-care costs by $2 Trillion per year.

I also request that you show your support for “The Initiative” by visiting this website, www.savingprivatehealthcare.com. We encourage your office to review the following seven outlined federal bills and to work with The Initiative to create formal legislation for consideration and passage.

Sincerely, __________________________________,

___________________________________________
___________________________________________
___________________________________________
___________________________________________
___________________________________________

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The Free-Market Healthcare Financial Act (FMHFA)
Description: The Free-Market Healthcare Financial Act (FMHFA) sets up new financial vehicles to provide for the conversion of health-insurance plans from employer-sold to consumer-sold. It will also be used to pay medical-care providers all of their fees at the time of service. This will increase the efficiency of making financial payments to medical-care providers and will move accounts-receivable issues from medical-care providers to the highly efficient banking system.
Program Cost Reduction Estimate: Implementing the Free-Market Healthcare Financial Act as a part of The Initiative will enable health insurance competition, leading to free-market healthcare, saving consumers $2 Trillion per year (in 2012 US dollars) after The Initiative is fully implemented.

The Medical Escrow Account

1. Objective: To establish a new type of bank account called the Medical Escrow Account (MEA).

2. Scope: This account shall control the sources and uses of medical-care funds for consumers and shall be offered at all U.S. and U.S. territory banks.

3. Investment: These funds can be invested in a manner similar to an IRA.

4. Sources: The funds can come from any source, primarily from employers, the owners of the account, and from a new program called Medicare-Private (to be explained in the Medicare-Private Act outlined below).

5. Uses: All funds shall be used only for health-insurance premiums (for the account holder and his or her family) or for direct medical payments to domestic or foreign medical-care providers.

6. Tax Treatments: Funds deposited into the Medical Escrow Account by employers are not taxable as income to the employee up to a certain income or company ownership level, as happens today. All funds deposited to the MEA from the employee or family members are fully tax-deductible to the account owner in the year in which they were deposited. Banks shall provide year-end MEA statements to the consumer to help the account holders fill out their tax forms. Upon the death of the final owner of the account, funds may be donated to a charity or be levied a tax prior to withdrawal.

7. Timeframe: All employers and health-insurance organizations must be in compliance within 12 months of FMHFA passage.

Medical Loans

1. Objective: To establish medical loans, which are fixed, low-interest, long-term loans used exclusively to handle medical charges for an individual or for immediate family members.

2. Scope: Medical loans shall be made available at all medical-care providers in the U.S. and her territories and shall be offered at all U.S. and U.S. territory banks.

3. Rates and Fees: Medical loans shall carry an interest rate not to exceed $6% APR for any reason. Banking fees shall be minimal and commensurate with current practices.

4. Flexibility: Banks shall be given great latitude to work with the borrower to make sure the medical loan can be paid in full. This includes extending more favorable loan terms, ability to skip payments, etc.

5. Assurance: All medical loan principle amounts that remain after medical bankruptcy are backed 100% by the United States government.

6. Tax Treatment: All medical loan interest payments will be tax-deductible on 1040 Schedule A and not subject to any minimum AGI requirement.

7. Timeframe: All banking and medical-provider organizations must be in compliance within 12 months of FMHFA passage.

Medical Care Credit/Debit Cards

1. Objective: For credit card companies to offer consumers Medical Care Credit/Debit Cards, new types of credit card accounts to be used for only medical expenses.

2. Scope: Medical Care Credit Cards shall be offered by credit card companies to the members of Free-Market Health-Insurance Companies (FHICs). Medical Care Debit Cards shall be offered by credit card companies to state Medicaid-Private recipients. (Explained in the Medicaid-Private Act outlined below.)

3. Rates and Fees: Medical Care Credit and Debit Cards shall carry an interest rate not to exceed $6% APR for any reason. Banking fees shall be minimal and commensurate with current practices.

4. Limits: Medical Care Credit and Debit Card accounts shall have no limits on the amounts that can be charged.

5. Security: Medical Care Credit and Debit Cards must be activated for use only at provider locations once a medical appointment has been scheduled. No emergency-room visit shall require activation.

6. Assurance: All Medical Care Credit Card accounts that remain unpaid after medical bankruptcy are backed 100% by the United States government.

7. Tax Treatment: All interest payments on Medical Care Credit and Debit Card accounts shall be fully tax-deductible on the primary account holder’s 1040 Schedule A and not subject to any minimum AGI requirement.

8. Timeframe: All health insurance and credit card and medical-care provider organizations shall begin building this program when FMHFA is signed into law and then launched according to the launch schedule issued by The Initiative.

Prior Law: All prior statutes preventing or altering the statutes in this legislation shall be superseded by this legislation.

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The Free-Market Health Insurance Consumer Act (FMHICA)
Description: The Free-Market Health Insurance Consumer Act (FMHICA) directs all health-insurance companies in the united States and her territories to convert to a Free-Market Health Insurance Company (FHIC) format, whereby all policies are sold directly to consumers and are no longer sold to employers, removing inefficient and wasteful managed-care functions and eliminating contracts with all medical-care providers. These changes will eliminate the inadequate and high-overhead management of medical costs and return FHIC companies to financially focused organizations.
Program Cost Reduction Estimate: Implementing the Free-Market Health Insurance Consumer Act as a part of “The Initiative” will enable free-market medical-provider competition, saving consumers $61 billion per year (in 2012 US dollars) after The Initiative is fully implemented.

Free-Market Health Insurance Company Policies

1. From Employer-Sold to Consumer-Sold: All FHIC policies will need to be sold directly to consumers and will no longer be sold through employers. This changeover will happen during a timeframe called the “conversion period.”

2. From Health Plans to Contribution Plans: During the conversion period, all employers are expected to switch all of their employees to “contribution plans” for FHIC, meaning they are expected to take the monthly premium amount they pay for each employee (which may be different depending on individual coverage, family coverage, etc.) and electronically deposit that amount each month into each employee’s Medical Escrow Account.

3. Tax Treatment: Companies shall treat contribution plan deposits into employee Medical Escrow Accounts with the same tax treatment as they have been doing for the premiums they spent on managed care health insurance plans for their employees.

The Initiative Recommends Three Policy Types: Planned, Unplanned, and Catastrophic

1. Planned Policies: These cover all planned medical procedures that were scheduled ahead of time through each FHIC’s Provider Search and Scheduling System (PSAS). These are optional policies, and the premiums for these policies do increase with more frequent use. Planned policies can be customizable by each customer.

2. Unplanned Policies: These cover all unplanned medical procedures that were not scheduled by an FHIC’s PSAS system. Examples include trips to the emergency room and medical procedures that were performed where the patient is unconscious or unable to give consent. These policies are optional, and their premiums will increase with use. Unplanned policies can be customizable by each customer.

3. Catastrophic Policies: These cover all high-cost medical care and are similar to the catastrophic policies we have today. These policies would cover medical costs above a certain dollar amount, which would include nursing-home care or long-term care as a result of disease, trauma, birth defect, etc. Whenever any policy is sold to a person or family, it must always contain, at minimum, a catastrophic health policy. This is to make sure that the pools of those carrying catastrophic health insurance are as large as possible to reduce the cost burden on all policyholders.

Elimination of the Requirement for Pre-Existing Condition Clauses

1. Description: Catastrophic policies will be sold exclusively by catastrophic insurance companies and sold through FHICs. This is to make catastrophic policies portable from one FHIC to another, so when members of an FHIC decide to switch insurance companies, their catastrophic policy stays with them. The goal is to keep catastrophic policyholders for life. This portability, combined with consumer-purchased FHIC policies will eliminate the pre-existing condition problem in FHIC due to job loss, job change, or changing FHIC companies.

2. Tax Treatment: None.

3. Timeframe: All employers and FHIC organizations shall begin building this program when FMHICA is signed into law; it will be launched according to the launch schedule issued by The Initiative.

Paying FHICs and Providers

1. Description: These provisions establish free-market financial transactions between FHIC companies, their members, and the medical-care providers.

2. Policy Premiums: Premiums for FHIC policies should be paid from members’ Medical Escrow Accounts on a monthly or multi-month basis.

3. Medical Care Credit Cards: FHICs will issue Medical Care Credit Cards to all their members. The full amount of medical care is to be put on a member’s card, paying the provider in full at the time of medical care. Once the credit amount has been applied to the card, an electronic notice will be sent to the FHIC, which will immediately debit the insured amount onto that card, leaving the consumer to pay the remaining balance to the Medical Care Credit Card company at the end of the month. This eliminates the need for today’s “deductible” and “co-pay” amounts.

4. Tax Treatment: None.

5. Timeframe: All FHIC, credit card, and medical-care provider organizations must be in compliance within 12 months of FMHICA passage.

Provider Search and Appointment Scheduling (PSAS) Systems

1. Description: The PSAS system or one similar shall be created and installed at all FHICs and have the following capabilities:

2. Allow FHIC members to sign onto this system via the secure Internet.

3. Allow FHIC members to search for any medical-care provider in the United States and her territories by searching either medical need, type of medical-care provider, the name of the medical-care provider, the cost estimate of the medical appointment, the amount their FHIC will cover, the difference between cost and coverage (out of pocket), the distance from the member’s current location, the address of the medical-care provider, quality metrics, and customer reviews. It will display medical-care providers in a list.

Allow the member to select the medical-care provider of their choice

1. Allow the member to electronically make an appointment with his or her medical-care provider. When an appointment is confirmed, an email needs to be generated and sent to that medical-care provider with the appointment notice and a web link so they can access that member’s EMR. This access will be time limited by the FHIC for data-security reasons.

2. Any time after the appointment, providers will be able to access financial information for billing/accounting purposes.

3. When the electronic appointment has been made, the Medical Care Credit Card use authorization will be activated for just that provider, and only near the appointment time. This will protect the security of a member’s Medical Care Credit Card.

4. During the patient visit with the doctor, if the doctor wished to prescribe medication(s) to the patient, the FHIC’s PSAS system shall display to the doctor and patient the recommended, alternate, and (if available) generic medications. For each of these, the system will display local retail pharmacy prices and (if applicable) mail-order prices, as well as the amount the FHIC will pay towards each prescription and the balance to pay. The patient will indicate to the doctor the preferred medication (according to the doctor’s recommendation) and retail location. Then PSAS will electronically send the prescription order to that retail location for pick up or mailing.

5. A retail or mail-order pharmacy must charge the patient exactly the amount the patient saw on the PSAS computer screen while in the doctor’s office. The patient then swipes his or her Medical Care Credit Card, which will pay the pharmacy the full amount of that medication, sending an electronic notice to the FHIC, which will place a debit amount on the Medical Care Credit Card account for the amount they are covering. The patient pays the balance at the end of the month.

6. This will invoke competition between pharmacies and between brand-name and generic drugs to lower the cost of all drugs in the United States and her territories.

7. Tax Treatment: None.

8. Timeframe: All FHICs, medical-care providers, credit card companies, and pharmacy organizations shall begin building this program when FMHICA is signed into law. The program will be launched according to the launch schedule issued by The Initiative.

Electronic Medical Records (EMR) Systems

1. Description: This provision is contained in the Medical Records Portability Act (MRPA). These are summary items that affect Free-Market Health-Insurance Companies and are informational for this Act.

2. This Act mandates that medical-care providers will no longer manage the medical records (physical or electronic) of their patients. This information will need to be transferred to the FHIC of each of their patients.

3. Each FHIC will need to provide an electronic medical record (EMR) system that can house the medical record data of their members. This will enable any prior-authorized provider in the world to access the member’s EMR via the secure Internet.

4. The federal government will provide grants to all FHIC companies to assist in the payment for the purchase/expansion of their EMR systems to comply with this legislation.

5. Patients will be able to opt-out of this transfer; but may be charged a records management fee by the medical-care provider.

6. Adequate backup systems need to be in place in case of a computer system or Internet failure.

7. Costs for these systems will be paid for through the premiums paid by the FHIC members. The cost of the EMR systems at the FHICs must not be passed on nor shared in any way with any provider. This will reduce medical-care costs.

8. Medical research organizations can make requests to FHICs for member’s electronic medical records; however, every member will be given an “opt-out” capability if they do not wish to participate. If they do choose to participate in medical research of their EMR data, their records will be made available for medical-research purposes. FHICs will not be permitted to share identifiable contact information (social security numbers, names, addresses, identifying tattoos, etc.) with research organizations.

9. Tax Treatment: None.

10.Timeframe: All FHICs shall begin this program according to the launch schedule issued by The Initiative.

Elimination of Health-Insurance Managed-Care Activities

1. Description: All FHIC companies shall cancel all current contracts with all medical-care providers and shall no longer establish future contractual relationships (written and/or verbal) with any medical provider.

2. FHIC companies shall no longer provide any functions with regard to reducing the cost of medical decisions. This includes, but is not limited to, utilization management, medical questionnaire forms, medical metadata systems, and analysis.

3. FHIC companies shall no longer maintain provider lists.

4. Tax Treatment: None.

5. Timeframe: All FHICs shall begin building this program when FMHICA is signed into law. The program shall be launched according to the launch schedule issued by The Initiative.

Insurance and Direct-Pay Ownership Limitations

1. Description: This provision is to prevent “political coagulation,” where certain types of private companies own or control certain other types of private companies, leading to a monopolization of certain markets and a reduction in free-market choices by the consumer.

2. All indemnity or insurance companies are prohibited from owning any portion of a direct-pay or similar-type company.

3. Any direct-pay or similar-type company is prohibited from owning any portion of an indemnity or insurance company.

4. No indemnity or insurance organization may own any portion of any medical-care provider organization.

5. Any medical-care provider organization may not own any portion of any indemnity or insurance organization.

6. This provision requires that existing “payer-provider” organizations will need to be split up.

7. Tax Treatment: None.

8. Timeframe: All FHIC, medical-care provider, and direct-pay and similar-type organizations must be in compliance within 12 months of FHICA passage.

Free-Market Health Insurance for Our Veterans

1. Description: To provide an alternative option to seek healthcare insurance and medical care in the private market for those members of the Veterans Administration (VA) who receive healthcare from the VA.

2. The VA shall give their members an alternative to direct healthcare in the VA by providing a program that will deposit a monthly healthcare-benefit payment into these members’ Medical Escrow Accounts so they can purchase their own FHIC policies in the private market.

3. Tax Treatments: Funds deposited into the Medical Escrow Account from the VA are not taxable as income. All funds deposited to the MEA from the VA member or their family members are fully tax-deductible in the year in which they are deposited. Banks shall provide year-end MEA statements to the VA member to help the account holders fill out their tax forms.

4. Timeframe: The United States Veterans Administration shall begin building this program when FMHICA is signed into law. It shall be launched according to the launch schedule issued by The Initiative.

Purchase of Health Insurance Across State Lines

1. Description: This provision will open up FHIC competition to all 50 states in the United States and her territories.

2. According to the commerce clause of the United States Constitution, no state may restrict or limit in any way the purchasing of FHIC policies across state lines.

3. Tax Treatment: The taxing authority shall be the home state or territory of the purchasing consumer.

4. Timeframe: This provision takes immediate effect.

State Health-Insurance Mandate Recommendation

1. Description: All states are recommended to eliminate all FHIC policy mandates. These mandates drive up the cost of FHIC coverage and prevent customers from customizing their own FHIC plans to match the healthcare needs of their families.

2. Tax Treatment: None.

3. Timeframe: It is recommended that all US states and territories pass and sign into law this type of state legislation within 12 months after FMHICA passage.

Prior Law: All prior statutes preventing or altering the statutes in this legislation shall be superseded by this legislation.

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The Free-Market Medical-Care Act (FMMCA)

Description: The Free-Market Medical-Care Act (FMMCA) will free medical-care providers to practice medicine with minimal paperwork and office management distraction from their patients while enabling them to set and publicize their own medical fees without interference from outside organizations or government agencies. FMMCA will also generate robust medical-care provider competition, which will increase consumer choice, lower costs for consumers, and bring much more efficiency to medical-care providers and their suppliers.
Program Cost Reduction Estimate: Implementing FMMCA as a part of The Initiative will save consumers $1.939 Trillion per year (in 2012 US dollars) after The Initiative is fully implemented.

Requirement of the Hippocratic Oath

All physicians shall be required to take the Hippocratic Oath while in medical school. It should be up to each medical school which version it uses.

Elimination of Medical-Care Provider Managed-Care Activities

1. All healthcare providers shall cancel all current contracts with FHIC companies and shall no longer establish future contractual relationships (written and/or verbal) with any FHIC organization.

2. This will eliminate all medical-care provider lists and all managed-care requirements of medical-care providers.

3. Tax Treatment: None.

4. Timeframe: All United States medical-care providers shall begin building this program when FMMCA is signed into law. It will be launched according to the launch schedule issued by The Initiative.

Electronic Medical Records Systems

1. According to the Medical Records Portability Act (MRPA), electronic medical records (EMRs), either in hardcopy or electronic format, shall be relocated from each and every medical-care provider office, hospital, and clinic and mailed or electronically transmitted to each patient’s FHIC. If in hardcopy format, FHICs will be responsible to keying in the medical record information accurately.

2. Medical-care providers then need to access their patient EMRs using the Internet.

3. When a patient makes an appointment with his or her medical-care provider, an email will be sent containing a link to that EMR. The medical-care provider opens that link with corresponding logon credentials.

4. Proper data security measures will be taken by both the FHIC and medical-care providers.

5. Tax Treatment: None.

6. Timeframe: All FHICs and medical-care provider organizations shall begin building this program when FMMCA is signed into law. It will be launched according to the launch schedule issued by The Initiative.

How Providers Work with Medicare and Medicaid Patients
This section is informational only.

1. Under free-market healthcare, all Medicare-Private consumers will have FHIC insurance. All FHIC-insured patients and state Medicaid-Private patients will interact with all medical-care providers exactly the same. In fact, the medical-care providers should not notice any difference other than that FHIC-insured patients will pay for their medical care with Medicare Care Credit Cards and Medicaid-Private patients will pay for their medical care with Medical Care Debit Cards. For planned appointments, they will all schedule their appointment using their insurance company’s PSAS system. All EMRs will be accessed by their medical-care providers via the Internet; all prescriptions will be viewed, selected, and ordered using their PSAS system.

2. This structure will level the playing field for all insured patients so there is no embarrassment associated with Medicaid-Private vs. private insurance.

Paying Providers
This section is informational only.

1. Under free-market healthcare, providers will no longer be paid by FHIC companies. All provider payments will come directly from their patients’ Medical Care Credit Cards, Medical Care Debit Cards, Medical Loans (see next section), consumer credit cards or cash.

Medical Fees

Description: In order for consumers to be able to select which provider they want for every medical need, a Simplified Medical Need (SMN) list of non-referred, estimated medical needs will be produced by a national medical group launched by The Initiative. The Initiative will not charge any costs or royalties for access to this list.

1. This SMN list will be brief and consumer friendly. It is not meant to replace CPT codes or DRG codes.

2. For each medical need on the SMN list, the medical-care provider will set an estimated fee for its services. These will likely be hourly with additional fees for facility rental and equipment rental. This medical-fee system is much simpler to administer and easier for consumers to figure out what medical needs they have and approximately how much they will cost. Adjustments may be made at the doctor’s office, hospital, or clinic.

3. For referred procedures, a more complex set of criteria will be used since doctors will be making the referrals. It is possible that CPT and DRG codes may be used in these cases. These fees will need to be interfaced with a system that will make them available to all PSAS fee search requests around the clock.

. Estimated medical fees are to be converted to actual fees during the time of the appointment. All changes to costs must be approved by the patient prior to medical services being provided.

5. Tax Treatment: None.

6. Timeframe: All FHICs and medical-care provider organizations shall begin building this program when FMMCA is signed into law. The program will be launched according to the launch schedule issued by The Initiative.

Specialist Referrals

Description: While meeting with a patient, if the doctor needs to make a referral to a specialist, he or she will need to access the patient’s FHIC PSAS system, which can create a Referral Search Record (RSR). The RSR is composed of the complex codes identifying the type of specialist and type of medical care needed, including any orders for the referral. The RSR becomes the search record for the patient, to be used when he or she goes home.

1. Providers can still recommend which referral doctor, hospital, or clinic to see; however, that is only a recommendation. If the patient finds a lower-cost alternative, he or she can save some money selecting it.

2. When the patient goes home and accesses the PSAS system, that RSR is displayed. When selected, the PSAS searches for providers meeting that set of criteria. The patient selects a provider, just as before.

3. Tax Treatment: None.

4. Timeframe: All FHICs and medical-care provider organizations shall begin building this program when FMMCA is signed into law. It will be launched according to the launch schedule issued by The Initiative.

Donation Care
All donation care criteria should be handled at the state level with the exception of federal tax treatment.

1. Tax Treatment: All hours donated by medical professionals shall be 100% tax-deductible on their 1040 Schedule A with no AGI minimum requirement. Donation amounts must be based on the publically available medical estimate fees of the provider at the time of the donation by supplying the IRS with supporting documentation.

2. Timeframe: This provision takes immediate effect.

Medical Loans

Medical-loan financial criteria are established in the Free-Market Financial Healthcare Act.

1. For each patient who still has a balance remaining after insurance and after any available donation care, then prior to discharge, a medical-loan application must be filled out by the patient or his or her surrogate.

2. The medical provider will then submit the loan paperwork to his or her sponsoring bank, which will immediately send full payment to the medical provider.

3. The sponsoring bank will then follow up with the borrower to make sure the loan is paid in full. After medical bankruptcy, the United States government backs 100% of any remaining principle amount.

4. These loans are very low, fixed-interest loans with long repayment terms. Other financial institutions can offer even better terms to buy them from banks.

5. Tax Treatment: Please see the Free-Market Financial Healthcare Act.

6. Timeframe: All medical-care provider organizations shall begin building this program when FMFHA and FMMCA are signed into law. It will be launched according to the launch schedule issued by The Initiative.

Prior Law: All prior statutes preventing or altering the statutes in this legislation shall be superseded by this legislation.

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The Medical Records Portability Act (MRPA)

Description: The Medical Records Portability Act (MRPA) seeks to make medical records 100% portable while opening up consumers to the choice of not just one doctor or hospital but to all medical-care providers in the United States and her territories. In today’s healthcare environment, most people have one primary-care doctor who keeps the medical record at his or her office. If someone wanted to see another primary-care doctor who had more flexible hours, was more highly skilled, etc., then transferring those medical records would become a huge obstacle. Combine this with a lack of medical-price availability, and there is little or no competition helping to drive efficiencies up and drive prices down.
Moving medical records from medical-care providers to FHIC companies and making all of them electronic will give consumers the ability to search for any medical-care provider they want, based on a number of factors, including the costs they can afford. This will increase medical-provider competition and will drive healthcare costs way down.

Program Cost Reduction Estimate: Implementing the Medical Records Portability Act as a part of the free-market healthcare initiative will enable full medical-provider competition, saving consumers $2 Trillion per year (in 2012 US dollars) after The Initiative is fully implemented.

Electronic Medical Records (EMR) Systems:

This Act mandates that all medical-care providers no longer manage the medical records (physical or electronic) of their patients, unless patients’ “opt-out” with a written letter to the medical-care provider. This information will need to be transferred to the FHIC of each of their patients.

1. Each FHIC will, therefore, need to provide an electronic medical record (EMR) system that can house the medical-record data of their members. This will enable any prior-authorized provider in the world to access the member’s EMR via the secure Internet.

2. The federal government will provide grants to all FHIC companies to assist in the payment for the purchase/expansion of their EMR systems to comply with this legislation.

3. Providers will not be able to opt-out of this transfer, otherwise, providers will continue using expensive EMR systems, which will be an overlap of functionality with the FHIC companies, reducing provider competition and keeping healthcare costs high.

4. Adequate backup systems need to be in place in case of a computer system or Internet failure. “Hot” site back-up systems for servers as well as 1-800 fax-back services are recommended at a minimum.

5. Costs for these systems will be paid for through the premiums paid by the FHIC members. The cost of the EMR systems at the FHICs must not be passed on nor shared in any way with any provider. This will reduce medical-care costs.

6. If members of an FHIC do not “opt-out,” their anonymous EMR medical information will be made available for medical-research purposes. FHICs shall be held liable if identifiable contact information (social security numbers, names, addresses, identifying tattoos, etc.) is shared beyond the EMR-managing FHIC organization, authorized medical-care providers, and organizations that receive permission in writing from the member whose contact information is on the EMR.

7. Tax Treatment: None.

8. Timeframe: All United States FHICs shall begin this program according to the launch schedule issued by The Initiative.

Prior Law: All prior statutes preventing or altering the statutes in this legislation shall be superseded by this legislation.

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The Medicare-Private Act (MPA)
Description: The Medicare-Private Act (MPA) will establish a new program within Medicare called Medicare-Private. This new program will move all recipients in Medicare to a complete healthcare-benefit-support program, whereby Medicare sends a monthly support payment to each recipient’s Medical Escrow Account, enabling them to continue on their private FHIC policy past the age of 65. This Act will also discontinue most other current Medicare programs related to the amounts, types, and conditions of payment to medical-care providers from Medicare.
Program Cost Reduction Estimate: Converting Medicare Parts A, B, C, D, and Medicare Advantage to Medicare-Private will save the United States government $400 billion per year (in 2012 US dollars) after The Initiative is fully implemented. Note: This amount is not additive to the other bills of The Initiative.

Name Change: Change the name of Medicare to Medicare-Private.

New Monthly Healthcare-Benefit Payments:

To establish a new policies and computer systems that will calculate, manage, and disseminate monthly healthcare-benefit payments to all Medicare recipients to be electronically deposited into every recipient’s Medical Escrow Accounts at their own bank.
Any government is not permitted to attach any conditions to these healthcare-benefit payments, other than they be directed to the correct recipients. They shall be completely unencumbered.
All recipient healthcare-benefit payments shall be initiated as the same monthly dollar amount per month. Adjustments shall be made based on local cost-of-living differences and based on the periodic review of local FHIC premium amounts throughout the United States and her territories. This will guarantee Medicare-Private health insruance coverage for all recipients.
As the cost of FHIC premiums drops in local areas, the monthly benefit amount should drop as well.
Recipients may select any private FHIC organization and policy they choose. If they choose a policy that costs more per month than the Medicare-Private minimum premium amount would pay for, that person can choose to add a personal monthly amount to their Medical Escrow Account in order to make up the difference.
No information regarding recipients’ Medical Escrow Accounts shall be communicated to any government agency in any way with the exception of only tax-related information required by the IRS.
Converting from Medicare to Medicare-Private: These are the changes that will be required when moving from Medicare programs Parts A, B, C, D, and Medicare-Advantage to the single Medicare-Private program:

1. Cancel all contracts with all medical-care providers.

2. No longer establish future contractual relationships, written and/or verbal, with any medical provider.

3. No longer provide any functions with regard to reducing the cost of medical decisions. This includes, but is not limited to, utilization management, medical metadata systems, and analysis.

4. No longer maintain medical-provider lists.

5. No longer create or manage medical-care fees, medical-equipment fees, and medical-facilities fees.

6. No longer provide any reimbursement payments to medical-care providers.

7. Quickly complete all current provider-fraud investigations and related activities and to no longer launch any further provider-fraud investigations.

8. No longer retain any medical records of recipients. All medical records in the possession of Medicare or its affiliates are to be shipped or electronically transferred to the private FHIC organization of each recipient.

9. Additional Medicare programs will need to be reviewed for restructuring by the Initiative.

10. Tax Treatment: All funds deposited into the Medical Escrow Account from Medicare-Private are not taxable as income to the MEA account holder.

11. Timeframe: Preparation for these Medicare reforms shall begin upon the signing of this law. HHS shall direct CMS and Medicare to make the switch from Medicare to Medicare-Private according to the launch schedule issued by The Initiative.

Prior Law: All prior statutes preventing or altering the statutes in this legislation shall be superseded by this legislation.

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The Federal Medicaid-Private Act (FMPA)

Description: The Federal Medicaid-Private Act (FMPA) removes federal decision-making regarding Medicaid and encourages each state to reform its Medicaid program into Medicaid-Private. Medicaid-Private at the state level encourages reforms similar to the New Jersey solution, which sets up free clinics and asks for donated time from medical professionals in exchange for moving medical malpractice claims from the personal level to the state level under the Federal Tort Claims Act. The remaining needs of each state’s Medicaid recipients can be handled by each state’s Medicaid-Private program.
Improved Access to Care: Any medical-care provider selected by a caregiver will not reject the Medicaid-Private recipient based on financial reasons.
Program Cost Reduction Estimate: Once free-market healthcare has been implemented in the private sector, and assuming all states convert to Medicaid-Private, the federal and all 50 state governments will save a total of $231 billion per year (in 2012 US dollars) after The Initiative is fully implemented. Note: This amount is not additive to the other bills of The Initiative.
All federal Medicaid functions will cease with the exception that each state will be issued a “block grant” of funds according to the Medicaid-Private financial requirements in each state. As medical-care costs come down, the amount of each state’s block grants should decrease accordingly.

State-Level Recommendations
This section is informational only.

1. Change the name of all state Medicaid functions to “Medicaid-Private.”

2. Cancel all contracts with all medical-care providers.

3. No longer establish future contractual relationships (written and/or verbal) with any medical provider.

4. No longer provide any functions with regard to reducing the cost of medical decisions. This includes, but is not limited to, utilization management, medical metadata systems, and analysis.

5. No longer maintain medical-provider lists.

6. No longer calculate medical-care fees, equipment fees, and facilities fees.

7. No longer provide any reimbursement payments to medical-care providers.

8. Quickly complete all current provider-fraud investigations and related activities and to no longer launch any additional provider-fraud investigations.

9. Purchase or build a PSAS system to the same specifications that FHICs use.

10. PSAS Systems: Medicaid-Private caregivers will use their PSAS system to search for medical-care providers, schedule appointments, and select low-cost pharmacies for their prescriptions. An audit trail will be produced by this system and shared with Medicaid-Private administrators to track all PSAS activities so the state can make sure Medicaid dollars are being used as efficiently as possible.

11. Medical Care Debit Cards: Medicaid-Private programs in each state will issue Medical Care Debit Cards to all caregivers of their recipients. The full amount of medical care is to be put on a recipient’s card, paying the provider in full at the time of medical care. This eliminates the need for today’s “deductible” and “co-pay” amounts.
Prior Law: All prior statutes preventing or altering the statutes in this legislation shall be superseded by this legislation.

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The Free-Market Healthcare Job-Retraining Act (FMHJRA)
Description: The Free-Market Healthcare Job-Retraining Act (FMHJRA) gives temporary job search and re-training assistance to those who have been displaced due to changes in The Initiative until they find re-employment.
Cost Estimate: The actual cost will need to be determined based on the estimated number of jobs affected by The Initiative and the minimal resources required for adequate re-training and unemployment assistance.

1. Unemployment Assistance: All those who are displaced from the healthcare industry will have access to the unemployment-insurance programs offered by each state.

2. Outplacement Assistance: The federal government will establish temporary grants to private job outplacement firms to provide assistance in the form of resume writing, job search assistance, and counseling.

3. Job Retraining Assistance: The federal government will establish temporary grants to be directed to job-retraining firms to be available to help those seeking to learn a new set of job skills.

4. Tax Treatment: None.

5. Timeframe: The federal government will begin this program when it becomes necessary during the transition to free-market healthcare.
Prior Law: All prior statutes preventing or altering the statutes in this legislation shall be superseded by this legislation.

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