The Wave of the Future? PPACA and America’s Health Care
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Most Americans are in for a rude awakening when their country’s vastly subsidized healthcare industry ends up in government hands and with typical government “efficiency.”
Instead of helpful interns and ebullient nurses waiting to provide vastly improved healthcare, Americans will most likely encounter overworked doctors, long lines, and a restriction on the types of medicines and procedures that they will be able to obtain.
It is a simple monetary fact that the PPACA (Patient Protection and Affordable Care Act, commonly known as Obamacare) mandates practices and procedures for which there is neither sufficient staff, nor equipment, nor money.
In truth, Americans may simply have to trade time and energy instead of money for proper healthcare.
Unfortunately, when it comes to illness and bad health, many cannot afford the time.
It There An Alternative under ObamaCare?
Freelancers Medical in Brooklyn, New York has taken this sentiment to heart and embraced its possibilities.
Ostensibly established as a healthcare facility (it provides doctors, nurses and state-of-the-art facilities for freelance workers), its primary message is that an ounce of prevention is worth a pound of cure.
The clinic is funded by the non-profit Freelancers Insurance Company.
While the company was originally conceived as a way for freelancers to get traditional medical coverage, their aim has changed.
With the new clinic, the goal is to provide enough access to primary medical care to avoid more costly specialty care and less hospitalization thus reducing the overall medical costs.
An Ounce of Prevention is Worth a Pound of Cure
With just two doctors, a nurse practitioner, a nurse, a social worker, and four health coaches, the clinic is far more concerned with providing good advice about healthy practices than treating life-threatening illnesses.
Of course, the doctors can provide solid medical guidance as to the best treatments available for any illness, but the real goal is to avoid unnecessary and costly procedures.
An unusual move in an industry that expects rates to grow by 5% even before the full effects of the PPACA becomes apparent.
FIC has accomplished this seeming miracle by requiring that all enrollees, from those with high deductibles to those with the most comprehensive plans to utilize the clinic.
Primary care is, thus, often free and can lead to substantial savings in the long run.
The resurgence of union health care plans is undoubtedly due to the recognition that primary care should be conducted in a less cost-intensive situation than a hospital.
There is room and, indeed, a need, for both in the 21st century American medical industry. It remains to be seen, however, the ways in which the two will be integrated by the PPACA and the U.S. government.
Employees should certainly act in their own best interests and consider all the opportunities presented by their employers and the government.
Employers, unfortunately, have it less easy as they must make educated guesses as to the future.
In fact, many small to mid-sized companies have decided to outsource the entire process to Professional Employer Organizations (PEO’s).
These PEO companies may not be able to solve all the problems inherent in the PPACA but they can surely offer some sage advice and guidance over the coming months.
What Are Your Thoughts??
✔ Good or bad, there is definitely no indifference to PPACA. Keeping focused on what to do to remain healthy is the best way to remain healthy – which also means many of us have to exit the boat we have been taking on denial and start something different — perhaps walking every day, even if only 5 minutes for starter. What suggestions do you have for creating new ounces of prevention?
✔ Outsourcing is fast becoming the means to an end – namely lowering overhead by hiring outside professional resources. Is this becoming something your company is pursuing or is something already underway?
✔ The domino effect always kicks in when a government program is initiated upon the private secto, bringing many surprises and hidden costs. What have you already encountered that was least expected?
Please share your thoughts with our audience in the comments section below!
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