Balance Billing, Co-Pays, Deductibles
Grievance and Complaint Process
US National Health Care Trust Fund set up. Annual operating budget and capital expenditures, regional allocations drawn from Trust Fund.
Existing Federal and State health care funds. In addition, modest progressive payroll tax, paperwork reduction; bulk procurement of medication, existing Federal health care budget, personal income tax increase on top 5% of income earners; small tax on stock and bond transactions No co-pays or deductibles. Providers accepting payment under the plan may not bill any patient. National Board of Universal Quality and Access to advise Secretary of Health and Human Services
Two years of unemployment assistance. Clerical and administrative personnel displaced by the program have first priority in retraining and job placement.
American Health Security Trust Fund set up. National and State budgets set by the American Health Security Standards Board. Funds drawn from the Trust Fund. Existing Federal and State health care funds. In addition, employers pay 8.7% payroll tax, individuals pay 2.2% income tax.
No billing of patients.
American Health Security Standards Board develops policies and standards for benefits and reimbursement. American Health Security Quality Council develops practice guidelines. American Health Security Advisory Council and State Advisory Councils represent providers, patients and public health policy experts. State plans must include independent ombudsman to receive and resolve consumer complaints and a grievance process for providers with respect to payments. Up to 1% of budget to be used to assist persons currently working in the insurance industry.