Stanley Feld M.D.,FACP,MACE
John McCain’s healthcare plan is not a healthcare plan. It would not put “Patients First”. His plan is designed to avoid further entitlement programs and to relieve employers of the obligation of providing healthcare insurance for their employees. The sound bites and slogans imply healthcare will be provided to all. His remarks have no substance. They are simply generalities. They do not deal with the basic problems in the healthcare system.
“John McCain Will Encourage And Expand The Benefits Of Health Savings Accounts (HSAs) For Families. When families are informed about medical choices, they are more capable of making their own decisions and often decide against unnecessary options. Health Savings Accounts take an important step in the direction of putting families in charge of what they pay for.”
What does “encourage and expand Health Savings Accounts” mean? There is no discussion of who is going to pay for the HSA’s. My view is Health Savings Accounts do not provide incentives for patients to be responsible for themselves. The healthcare insurance industry controls the money and the co-pays. It uses the money for its own investments. Patients can use the remaining money not spent for future healthcare need rather than owning the funds they do not use in a retirement plan. It is simply a delayed payment to the healthcare insurance company. With a high deductible there should be first dollar coverage after $6,000 is spent.
“ Specific Plan of Action: Ensuring Care for Higher Risk Patients”
“Plan Cares For The Traditionally Uninsurable. John McCain understands that those without prior group coverage and those with pre-existing conditions have the most difficulty on the individual market, and we need to make sure they get the high-quality coverage they need.”
He does not propose how he is going to provide “high-quality coverage” to the uninsurable. What does “high quality coverage” mean? There is a large gap between where patients can be comfortable with healthcare coverage and patients’ anxiety about inadequate healthcare coverage. Inadequate healthcare insurance overage (under insured) is usually discovered after the fact.