2013년 11월 24일 일요일

오전 9:26

By Coral Vanwormer

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About 'cost of home health care'|...to stay in their homes and communities...understand the importance of Alaska's National.... HEALTH CARE - Obviously, high medical costs are ...







About 'cost of home health care'|...to stay in their homes and communities...understand the importance of Alaska's National.... HEALTH CARE - Obviously, high medical costs are ...








Ｍａｎｙ               ｏｆ               ｔｈｅ               ｍｏｓｔ               ｄｉｓｃｕｓｓｅｄ               ａｎｄ               ｍｏｓｔ               ｐｏｐｕｌａｒ               ｉｄｅａｓ               ｆｏｒ               ｈｏｗ               ｔｏ               ｆｉｘ               ｏｕｒ               ｂｒｏｋｅｎ               ｈｅａｌｔｈ               ｃａｒｅ               ｓｙｓｔｅｍｓ               ｒｅｌｙ               ｏｎ               ｕｎｓｏｕｎｄ               ｐｒｅｍｉｓｅｓ               ａｎｄ               ｃｏｓｔ               ｍｏｒｅ               ｔｈａｎ               ｔｈｅｙ               ａｒｅ               ｗｏｒｔｈ               ｗｈｉｌｅ               ｄｅｌｉｖｅｒｉｎｇ               ｌｅｓｓ               ｔｈａｎ               ｔｈｅｙ               ａｒｅ               ｓｕｐｐｏｓｅｄ               ｔｏ               ｄｅｌｉｖｅｒ.

Ｈｅｒｅ               ａｒｅ               ｓｏｍｅ               ｅｘａｍｐｌｅｓ               ｔｈａｔ               ｙｏｕ               ｐｒｏｂａｂｌｙ               ｈｅａｒ               ａｂｏｕｔ               ａｌｍｏｓｔ               ｅｖｅｒｙ               ｄａｙ               ｔｈａｔ               ｄｏ               ｎｏｔ               ｗｏｒｋ               ａｓ               ｗｅｌｌ               ａｓ               ｙｏｕ               ｍｉｇｈｔ               ｔｈｉｎｋ.

Ｆｌｅｘｉｂｌｅ               Ｓｐｅｎｄｉｎｇ               Ａｃｃｏｕｎｔｓ
               Ｔｈｅ               ｉｄｅａ               ｓｅｅｍｓ               ｓｏ               ａｐｐｅａｌｉｎｇ               ａｔ               ｆｉｒｓｔ,               ｂｕｔ               Ｆｌｅｘｉｂｌｅ               Ｓｐｅｎｄｉｎｇ               Ａｃｃｏｕｎｔｓ               ａｒｅ               ｏｎｅ               ｏｆ               ｔｈｅ               ｗｏｒｓｔ               ｉｄｅａｓ               ｅｖｅｒ.

Ｆｌｅｘｉｂｌｅ               Ｓｐｅｎｄｉｎｇ               Ａｃｃｏｕｎｔｓ               ｗｅｒｅ               ｐｒｏｍｏｔｅｄ               ａｓ               ａ               ｗａｙ               ｔｏ               ｐｒｏｖｉｄｅ               ｌｏｗｅｒ               ｉｎｃｏｍｅ               ｃｏｎｓｕｍｅｒｓ               ｗｉｔｈ               ａ               ｔａｘ               ｂｒｅａｋ               ａｎｄ               ａ               ｗａｙ               ｔｏ               ｓａｖｅ               ｍｏｎｅｙ               ｆｏｒ               ｕｎｅｘｐｅｃｔｅｄ               ｈｅａｌｔｈ               ｃａｒｅ               ｅｘｐｅｎｓｅｓ.

Ｆｌｅｘｉｂｌｅ               Ｓｐｅｎｄｉｎｇ               Ａｃｃｏｕｎｔｓ               ｄｏ               ａｐｐｅａｒ               ｔｏ               ｐｒｏｖｉｄｅ               ａ               ｍｏｒｅ               ｐｒｏｇｒｅｓｓｉｖｅ               ｔａｘ               ｂｒｅａｋ               ｂｕｔ               ｔｈａｔ               ｉｓ               ｓｏｍｅｗｈａｔ               ｉｌｌｕｓｏｒｙ.
               Ｔｏ               ｂｅ               ａｂｌｅ               ｔｏ               ｐｕｔ               ｍｏｎｅｙ               ｉｎｔｏ               Ｆｌｅｘｉｂｌｅ               Ｓｐｅｎｄｉｎｇ               Ａｃｃｏｕｎｔｓ               ｗｏｒｋｅｒｓ               ｈａｖｅ               ｔｏ               ｈａｖｅ               ａｎ               ｅｘｃｅｓｓ               ｏｆ               ｉｎｃｏｍｅ               ｏｖｅｒ               ｅｘｐｅｎｓｅｓ.

Ｂｕｔ               ｍｏｓｔ               Ａｍｅｒｉｃａｎｓ               ｌｉｖｅ               ｆｒｏｍ               ｐａｙｃｈｅｃｋ               ｔｏ               ｐａｙｃｈｅｃｋ               ｓｏ               ｔｈｅｙ               ｃａｎｎｏｔ               ａｆｆｏｒｄ               ｔｏ               ｆｕｎｄ               Ｆｌｅｘｉｂｌｅ               Ｓｐｅｎｄｉｎｇ               Ａｃｃｏｕｎｔｓ.

Ｔｈｉｓ               ｍｅａｎｓ               ｔｈａｔ               ｔｈｅ               ａｃｔｕａｌ               ｔａｘ               ｂｅｎｅｆｉｔ               ｉｓ               ｆｏｒ               ｔｈｅ               ｒｉｃｈ               ｗｈｏ               ｃａｎ               ａｆｆｏｒｄ               ｔｏ               ｆｕｎｄ               Ｆｌｅｘｉｂｌｅ               Ｓｐｅｎｄｉｎｇ               Ａｃｃｏｕｎｔｓ.

Ｂｕｔ               ｉｔ               ｉｓ               ｗｏｒｓｅ               ｔｈａｎ               ｔｈｉｓ.
               Ｗｈｅｎ               ｃｏｎｓｕｍｅｒｓ               ｐｕｔ               ｍｏｎｅｙ               ｉｎｔｏ               Ｆｌｅｘｉｂｌｅ               Ｓｐｅｎｄｉｎｇ               Ａｃｃｏｕｎｔｓ,               ｔｈｅｙ               "ｂｒｅａｋ               ｅｖｅｎ"               ａｔ               ｂｅｓｔ.

Ｉｎ               ｆａｃｔ,               ｉｔ               ｉｓ               ｍｏｒｅ               ｔｈａｎ               ａ               ｌｉｔｔｌｅ               ｌｉｋｅ               ｇｏｉｎｇ               ｔｏ               ａ               ｃａｓｉｎｏ.

Ｂｅｃａｕｓｅ               Ｆｌｅｘｉｂｌｅ               Ｓｐｅｎｄｉｎｇ               Ａｃｃｏｕｎｔｓ               ｈａｖｅ               ｔｏ               ｂｅ               ｆｕｌｌｙ               ｅｘｐｅｎｄｅｄ               ｅａｃｈ               ｙｅａｒ,               ｔｈｅｙ               ｄｏ               ｎｏｔ               ａｌｌｏｗ               ｃｏｎｓｕｍｅｒｓ               ｔｏ               ｓａｖｅ               ｏｖｅｒ               ｍａｎｙ               ｙｅａｒｓ               ｗｈｉｃｈ               ｗｏｕｌｄ               ｂｅ               ａ               ｍｕｃｈ               ｂｅｔｔｅｒ               ａｐｐｒｏａｃｈ.
               Ｃｏｎｓｕｍｅｒｓ               ｌｏｓｅ               ａｎｙ               ｍｏｎｅｙ               ｌｅｆｔ               ｉｎ               ｔｈｅｉｒ               Ｆｌｅｘｉｂｌｅ               Ｓｐｅｎｄｉｎｇ               Ａｃｃｏｕｎｔｓ               ａｔ               ｙｅａｒ               ｅｎｄ               ｕｎｌｅｓｓ               ｔｈｅｙ               ｉｎｃｕｒ               ｅｘｐｅｎｓｅｓ               ｔｈａｔ               ｍｅｅｔ               ｏｒ               ｅｘｃｅｅｄ               ｔｈｅｉｒ               ｃｏｎｔｒｉｂｕｔｉｏｎｓ.

Ｗｈｉｌｅ               ｔｈｉｓ               ｅｎｃｏｕｒａｇｅｓ               ｐｅｏｐｌｅ               ｔｏ               ｉｎｖｅｓｔ               ｒｅｓｏｕｒｃｅｓ               ｉｎ               ｈｅａｌｔｈ               ｃａｒｅ               ｍａｎｙ               ｏｆ               ｔｈｅｓｅ               ｉｎｖｅｓｔｍｅｎｔｓ               ａｒｅ               ｆｒｉｖｏｌｏｕｓ,               ｗｈｉｃｈ               ｉｎｃｒｅａｓｅｓ               ｔｈｅ               ｃｏｓｔｓ               ｏｆ               ｈｅａｌｔｈ               ｃａｒｅ               ｓｙｓｔｅｍ               ｗｉｄｅ.
               Ａ               ｂｅｔｔｅｒ               ａｐｐｒｏａｃｈ               ｗｏｕｌｄ               ｂｅ               ｔｏ               ａｌｌｏｗ               ｃｏｎｓｕｍｅｒｓ               ｔｏ               ｋｅｅｐ               ａｃｃｕｍｕｌａｔｉｎｇ               ｔｈｅ               ｍｏｎｅｙ               ｉｎ               ｔｈｅｉｒ               Ｆｌｅｘｉｂｌｅ               Ｓｐｅｎｄｉｎｇ               Ａｃｃｏｕｎｔｓ,               ｓａｖｉｎｇ               ｆｏｒ               ｒｅａｌｌｙ               ｒａｉｎｙ               ｄａｙｓ               ｓｕｃｈ               ａｓ               ｔｈｅ               ｏｎｓｅｔ               ｏｆ               ｈｅａｒｔ               ｄｉｓｅａｓｅ,               ｃａｎｃｅｒ,               ｏｒ               ｓｅｒｉｏｕｓ               ｉｎｊｕｒｙ.

Ａｌｌｏｗｉｎｇ               ｃｏｎｓｕｍｅｒｓ               ｔｏ               ｕｓｅ               ｔｈｅ               ｍｏｎｅｙ               ｉｎ               ｔｈｅｉｒ               Ｆｌｅｘｉｂｌｅ               Ｓｐｅｎｄｉｎｇ               Ａｃｃｏｕｎｔｓ               ｆｏｒ               ｈｅａｌｔｈ               ｃａｒｅ               ｃｏｓｔｓ,               ａｓ               ａ               ｈｅｄｇｅ               ａｇａｉｎｓｔ               ｌｏｓｔ               ｉｎｃｏｍｅ,               ａｎｄ               ｆｏｒ               ｏｔｈｅｒ               ｈｅａｌｔｈ               ａｎｄ               ｎｏｎ-ｈｅａｌｔｈ               ｅｘｐｅｎｓｅｓ               ｗｈｅｎ               ｔｈｅｙ               ａｒｅ               ｓｉｃｋ               ｏｒ               ｉｎｊｕｒｅｄ               ｗｏｕｌｄ               ｂｅ               ａ               ｆａｒ               ｂｅｔｔｅｒ               ａｐｐｒｏａｃｈ,               ｅｎｃｏｕｒａｇｉｎｇ               ｓａｖｉｎｇｓ               ｏｖｅｒ               ｍａｎｙ               ｙｅａｒｓ               ｆｏｒ               ｆｏｒｅｓｅｅａｂｌｅ               ｆｕｔｕｒｅ               ｎｅｅｄｓ.
               Ｂｕｔ,               ｗｉｔｈｏｕｔ               ａ               ｄｏｕｂｔ,               ｔｈｅ               ｗｏｒｓｔ               ｆｅａｔｕｒｅ               ｏｆ               Ｆｌｅｘｉｂｌｅ               Ｓｐｅｎｄｉｎｇ               Ａｃｃｏｕｎｔｓ               ｉｓ               ｔｈａｔ               ｃｏｎｓｕｍｅｒｓ               ｌｏｓｅ               ｔｈｅ               ｕｎｓｐｅｎｔ               ｍｏｎｅｙ               ｉｎ               ｔｈｅｉｒ               ａｃｃｏｕｎｔｓ               ａｔ               ｙｅａｒ               ｅｎｄ.

Ｔｈｅ               ｌｅｇｉｓｌａｔｉｏｎ               ｔｈａｔ               ｂｒｏｕｇｈｔ               Ｆｌｅｘｉｂｌｅ               Ｓｐｅｎｄｉｎｇ               Ａｃｃｏｕｎｔｓ               ｉｓ               ｍｏｓｔ               ｎｏｔａｂｌｅ               ｆｏｒ               ｈａｖｉｎｇ               ｅｓｔａｂｌｉｓｈｅｄ               ａ               ｃｏｔｔａｇｅ               ｉｎｄｕｓｔｒｙ               ｏｆ               ｃｏｍｐａｎｉｅｓ               ｔｈａｔ               ｋｅｅｐ               ｔｈｅ               ｕｎｓｐｅｎｔ               ｆｕｎｄｓ               ａｔ               ｔｈｅ               ｅｎｄ               ｏｆ               ｔｈｅ               ｙｅａｒ               -               ａｎ               ｉｎｄｕｓｔｒｙ               ｔｈａｔ               ｅｘｉｓｔｓ               ｆｏｒ               ｎｏ               ｏｔｈｅｒ               ｒｅａｓｏｎ               ｔｈａｎ               ｔｏ               ｅａｒｎ               ｐｒｏｆｉｔｓ               ｏｆｆ               ａｎ               ｕｎｎｅｃｅｓｓａｒｙ               ｐｒｏｇｒａｍ.
               Ａ               ｓｉｍｐｌｅｒ,               ｂｅｔｔｅｒ               ａｐｐｒｏａｃｈ               ｗｏｕｌｄ               ｂｅ               ｆｏｒ               ｃｏｎｓｕｍｅｒｓ               ｔｏ               ｂｅ               ａｌｌｏｗｅｄ               ｔｏ               ｐｕｔ               ｔｈｅ               ｓａｍｅ               ｍｏｎｅｙ               ａｓｉｄｅ               ｉｎ               ａ               ｒｅｇｕｌａｒ               ｓａｖｉｎｇｓ               ａｃｃｏｕｎｔ               ｗｉｔｈ               ｔｈｅ               ｓａｍｅ               ｔａｘ               ｂｒｅａｋｓ               ｆｏｒ               ｔｈｏｓｅ               ｆｕｎｄｓ               ｉｆ               ｔｈｅｙ               ｗｅｒｅ               ｕｓｅｄ               ｏｎｌｙ               ｆｏｒ               ｈｅａｌｔｈ               ｒｅｌａｔｅｄ               ｅｘｐｅｎｓｅｓ.

Ｃｏｎｓｕｍｅｒｓ               ｃｏｕｌｄ               ｔｈｅｎ               ｕｓｅ               ｔｈｅ               ｆｕｎｄｓ               ａｓ               ｎｅｅｄｅｄ               ｂｕｔ               ｗｏｕｌｄ               ｂｅ               ａｌｌｏｗｅｄ               ｔｏ               ａｃｃｕｍｕｌａｔｅ               ｔｈｅｓｅ               ｆｕｎｄｓ               ｏｖｅｒ               ｔｈｅｉｒ               ｌｉｆｅｔｉｍｅｓ,               ｉｎｃｒｅａｓｉｎｇ               ｔｈｅｉｒ               ａｂｉｌｉｔｙ               ｔｏ               ｃｏｖｅｒ               ｔｈｅｉｒ               ｆｕｔｕｒｅ               ｈｅａｌｔｈ               ｃａｒｅ               ｃｏｓｔｓ               ａｎｄ               ｒｅｓｔｒａｉｎｉｎｇ               ｉｎｃｒｅａｓｅｄ               ｓｐｅｎｄｉｎｇ               ｏｎ               ｆｒｉｖｏｌｏｕｓ               ｈｅａｌｔｈ               ｃａｒｅ               ｓｅｒｖｉｃｅｓ.
               Ｍｅｄｉｃａｒｅ               Ｐａｒｔ               Ｄ               Ｐｒｅｓｃｒｉｐｔｉｏｎ               Ｃｏｖｅｒａｇｅ
               Ａｇａｉｎ,               Ｐａｒｔ               Ｄ               ｐｒｅｓｃｒｉｐｔｉｏｎ               ｂｅｎｅｆｉｔｓ               ｓｅｅｍ               ｌｉｋｅ               ａｎ               ｅｘｃｅｌｌｅｎｔ               ｉｄｅａ,               ｉｎｃｒｅａｓｉｎｇ               ｔｈｅ               ａｂｉｌｉｔｙ               ｏｆ               ｓｅｎｉｏｒ               ｃｉｔｉｚｅｎｓ               ｔｏ               ｐａｙ               ｆｏｒ               ｎｅｅｄｅｄ               ｐｒｅｓｃｒｉｐｔｉｏｎ               ｄｒｕｇｓ.

Ｂｕｔ,               ｔｈｉｓ               ｐｒｏｇｒａｍ               ｈａｓ               ａ               ｓｅｒｉｏｕｓ               ｄｅｓｉｇｎ               ｆｌａｗ.
               Ｔｈｅ               ｗｈｏｌｅ               ｐｏｉｎｔ               ｏｆ               ｉｎｓｕｒａｎｃｅ               ｉｓ               ｔｏ               ｐｒｏｔｅｃｔ               ａｇａｉｎｓｔ               ｆｕｔｕｒｅ,               ｕｎｋｎｏｗｎ               ｃｏｓｔｓ.

Ｂｕｔ               ｄｉｆｆｅｒｅｎｔ               ｆｏｒｍｕｌａｒｉｅｓ,               ｔｈｅ               ｌｉｓｔｓ               ｏｆ               ｄｒｕｇｓ               ｔｈａｔ               ａｒｅ,               ａｎｄ               ａｒｅ               ｎｏｔ,               ｃｏｖｅｒｅｄ               ｕｎｄｅｒ               ｔｈｅｓｅ               ｐｒｏｇｒａｍｓ,               ｍｅａｎ               ｔｈａｔ               ｓｅｎｉｏｒ               ｃｉｔｉｚｅｎｓ               ａｒｅ               ｒｅｑｕｉｒｅｄ               ｔｏ               ｃｈｏｏｓｅ               Ｐａｒｔ               Ｄ               ｐｌａｎｓ               ｔｈａｔ               ｍａｙ               ｎｏｔ               ｃｏｖｅｒ               ｔｈｅ               ｄｒｕｇｓ               ｔｈｅｙ               ｗｉｌｌ               ｎｅｅｄ               ｉｎ               6               ｍｏｎｔｈｓ,               ａ               ｇａｐｉｎｇ               ｈｏｌｅ               ｉｎ               ｔｈｅ               ｓｅｃｕｒｉｔｙ               ｔｈｅｓｅ               ｐｌａｎｓ               ｐｒｏｖｉｄｅ               ｔｏ               ｓｅｎｉｏｒｓ.
               Ａｔ               ｂｅｓｔ,               ｓｅｎｉｏｒ               ｃｉｔｉｚｅｎｓ               ｃａｎ               ｃｈｏｏｓｅ               ｔｈｅｉｒ               Ｐａｒｔ               Ｄ               ｐｌａｎ               ｂａｓｅｄ               ｏｎ               ｗｈａｔ               ｔｈｅｙ               ｋｎｏｗ               ａｂｏｕｔ               ｔｈｅｉｒ               ｃｕｒｒｅｎｔ               ｐｒｅｓｃｒｉｐｔｉｏｎ               ｄｒｕｇｓ               ａｎｄ               ｇｕｅｓｓｅｓ               ａｂｏｕｔ               ｗｈａｔ               ｄｒｕｇｓ               ｔｈｅｙ               ｍａｙ               ｎｅｅｄ               ｉｎ               ｔｈｅ               ｆｕｔｕｒｅ.

Ｔｈｅｓｅ               ｄｅｃｉｓｉｏｎｓ               ａｒｅ               ｄｉｆｆｉｃｕｌｔ               ｆｏｒ               ｓｅｎｉｏｒ               ｃｉｔｉｚｅｎｓ               ｗｈｅｎ               ｔｈｅｙ               ｆｉｒｓｔ               ｂｅｃｏｍｅ               ｅｌｉｇｉｂｌｅ               ｂｕｔ               ｎｅａｒｌｙ               ｉｍｐｏｓｓｉｂｌｅ               ａｓ               ｔｈｅｙ               ａｇｅ               ａｎｄ               ｔｈｅｉｒ               ｈｅａｌｔｈ               ｄｅｃｌｉｎｅｓ.

Ｙｅａｒｓ               ａｆｔｅｒ               ｍａｋｉｎｇ               ｔｈｅｉｒ               ｆｉｒｓｔ               ｐｌａｎ               ｓｅｌｅｃｔｉｏｎ               ｓｅｎｉｏｒ               ｃｉｔｉｚｅｎｓ               ｗｉｌｌ               ｉｎｅｖｉｔａｂｌｙ               ｉｎｃｒｅａｓｅ               ｔｈｅ               ｎｕｍｂｅｒｓ               ｏｆ               ｄｒｕｇｓ               ｔｈｅｙ               ａｒｅ               ｔａｋｉｎｇ.
               Ａ               ｆａｒ               ｂｅｔｔｅｒ               Ｐａｒｔ               Ｄ               ｐｒｏｇｒａｍ               ｗｏｕｌｄ               ｅｎｔａｉｌ               ａ               ｓｉｎｇｌｅ,               ｍａｎｄａｔｏｒｙ               ｆｏｒｍｕｌａｒｙ               ｔｈａｔ               ａｌｌ               ｐｌａｎｓ               ｗｏｕｌｄ               ｈａｖｅ               ｔｏ               ｏｆｆｅｒ.

Ｔｈｉｓ               ｗｏｕｌｄ               ｐｒｏｖｉｄｅ               ａ               ｔｒｕｅ               ｉｎｓｕｒａｎｃｅ               ｂｅｎｅｆｉｔ               ａｎｄ               ａｖｏｉｄ               ａ               ｇｒｅａｔ               ｄｅａｌ               ｏｆ               ｗａｓｔｅ               ａｎｄ               ｆｒａｕｄｕｌｅｎｔ               ａｃｔｉｖｉｔｙ               ｉｎ               ｓｉｇｎｉｎｇ               ｓｅｎｉｏｒｓ               ｕｐ               ｆｏｒ               Ｐａｒｔ               Ｄ               ｐｌａｎｓ               ｔｈａｔ               ｗｉｌｌ               ｎｏｔ               ｍｅｅｔ               ｔｈｅｉｒ               ｎｅｅｄｓ.
               Ｍｉｓ-Ｍａｎａｇｅｄ               Ｃａｒｅ
               Ｗｅ               ｈｅａｒ               ａ               ｇｒｅａｔ               ｄｅａｌ               ａｂｏｕｔ               ｍａｎａｇｅｄ               ｃａｒｅ               ｗｉｔｈｏｕｔ               ｄｉｓｔｉｎｇｕｉｓｈｉｎｇ               ｂｅｔｗｅｅｎ               ｔｗｏ               ｖｅｒｙ               ｄｉｆｆｅｒｅｎｔ               ｋｉｎｄｓ               ｏｆ               ｍａｎａｇｅｄ               ｃａｒｅ.

Ｇｏｏｄ               ｍａｎａｇｅｄ               ｃａｒｅ               ｃｏｎｃｅｎｔｒａｔｅｓ               ｏｎ               ｔｈｅ               ｎｅｅｄｓ               ｏｆ               ｔｈｅ               ｐａｔｉｅｎｔ,               ａｌｌｏｗｉｎｇ               ｔｈｅ               ｐａｔｉｅｎｔ               ｔｏ               ａｃｃｅｓｓ               ｔｈｅ               ｂｅｓｔ               ｄｏｃｔｏｒｓ,               ｎｕｒｓｅｓ,               ｆａｃｉｌｉｔｉｅｓ               ａｎｄ               ｔｒｅａｔｍｅｎｔｓ               ａｖａｉｌａｂｌｅ               ａｎｙｗｈｅｒｅ               ｉｎ               ｔｈｅ               ｗｏｒｌｄ.

Ｉｎ               ｔｈｉｓ               ｆｏｒｍ               ｏｆ               ｍａｎａｇｅｄ               ｃａｒｅ,               ｉｆ               ｔｈｅ               ｐａｔｉｅｎｔ               ｌｉｖｅｓ               ｉｎ               Ｎｅｗ               Ｙｏｒｋ               ａｎｄ               ｔｈｅ               ｂｅｓｔ               ｓｕｒｇｅｏｎ               ｆｏｒ               ｔｈｅｉｒ               ｃｏｎｄｉｔｉｏｎ               ｉｓ               ｉｎ               Ｓａｎ               Ｆｒａｎｃｉｓｃｏ,               ｔｈｅ               ｐａｔｉｅｎｔ               ｉｓ               ｅｉｔｈｅｒ               ｆｌｏｗｎ               ｔｏ               Ｓａｎ               Ｆｒａｎｃｉｓｃｏ               ｏｒ               ｔｈｅ               ｓｕｒｇｅｏｎ               ｃｏｍｅｓ               ｔｏ               Ｎｅｗ               Ｙｏｒｋ.
               Ｂｕｔ               ｔｈａｔ               ｉｓ               ｔｈｅ               ｉｄｅａｌ.

Ｔｈｅ               ｔｙｐｅ               ｏｆ               ｍａｎａｇｅｄ               ｃａｒｅ               ｍｏｓｔ               ｃｏｎｓｕｍｅｒｓ               ｅｘｐｅｒｉｅｎｃｅ               ｉｓ               ｅｘａｃｔｌｙ               ｔｈｅ               ｏｐｐｏｓｉｔｅ.

Ｒａｔｈｅｒ               ｔｈａｎ               ｈａｖｉｎｇ               ｔｈｅ               ｂｅｓｔ               ｄｏｃｔｏｒｓ,               ｎｕｒｓｅｓ               ａｎｄ               ｆａｃｉｌｉｔｉｅｓ               ａｎｄ               ｔｒｅａｔｍｅｎｔｓ               ａｖａｉｌａｂｌｅ               ａｎｙｗｈｅｒｅ               ｉｎ               ｔｈｅ               ｗｏｒｌｄ,               ｍｉｓ-ｍａｎａｇｅｄ               ｃａｒｅ               ｐｒｏｖｉｄｅｓ               ｔｈｅ               ｗｏｒｓｔ               ｄｏｃｔｏｒｓ,               ｎｕｒｓｅｓ,               ｆａｃｉｌｉｔｉｅｓ               ａｎｄ               ｔｒｅａｔｍｅｎｔｓ               ａｖａｉｌａｂｌｅ               ａｎｙｗｈｅｒｅ               ｉｎ               ｔｈｅ               ｗｏｒｌｄ               ｗｈｏｓｅ               ｉｎｃｏｍｐｅｔｅｎｃｅ               ｃａｎｎｏｔ               ｂｅ               ｐｒｏｖｅｎ               ｂｙ               ｔｈｅｉｒ               ｐａｔｉｅｎｔｓ.

Ｅｖｅｎ               ｗｈｅｎ               ｈｅａｌｔｈ               ｃａｒｅ               ｂｅｎｅｆｉｔ               ｐｌａｎｓ               ｋｎｏｗ               ｔｈａｔ               ｓｏｍｅ               ｐｒｏｖｉｄｅｒｓ               ａｒｅ               ｄｅｌｉｖｅｒｉｎｇ               ｓｕｂ-ｓｔａｎｄａｒｄ               ｃａｒｅ,               ｔｈｅｙ               ｏｆｔｅｎ               ｆａｉｌ               ｔｏ               ｒｅｍｏｖｅ               ｔｈｅｓｅ               ｐｒｏｖｉｄｅｒｓ               ｆｒｏｍ               ｔｈｅｉｒ               ｐａｎｅｌｓ,               ｃｏｍｐｅｌｌｉｎｇ               ｂｅｎｅｆｉｃｉａｒｉｅｓ               ｔｏ               ａｃｃｅｐｔ               ｉｎａｄｅｑｕａｔｅ               ｓｅｒｖｉｃｅｓ.
               Ｉｎｓｔｅａｄ               ｏｆ               ｈａｖｉｎｇ               ｈｅａｌｔｈ               ｃａｒｅ               ｐｒｏｖｉｄｅｒｓ               ｗｈｏ               ａｒｅ               ｕｎｉｑｕｅｌｙ               ｑｕａｌｉｆｉｅｄ               ｆｏｒ               ｔｈｅｉｒ               ｃｏｎｄｉｔｉｏｎｓ,               ｍｏｓｔ               ｃｏｎｓｕｍｅｒｓ               ｇｅｔ               ｔｈｅｉｒ               ｈｅａｌｔｈ               ｃａｒｅ               ｆｒｏｍ               ｐｒｏｖｉｄｅｒｓ               ｗｈｏ               ａｒｅ               ｓｔｒｅｔｃｈｉｎｇ               ｔｈｅｉｒ               ｋｎｏｗｌｅｄｇｅ,               ｓｋｉｌｌｓ,               ａｎｄ               ａｂｉｌｉｔｉｅｓ               ｔｏ               ｔｈｅ               ｂｒｅａｋｉｎｇ               ｐｏｉｎｔ.

Ｔｈｅ               ｗｏｒｓｔ               ｆｏｒｍｓ               ｏｆ               ｍａｎａｇｅｄ               ｃａｒｅ               ｆｏｒｃｅ               ｐａｔｉｅｎｔｓ               ｔｏ               ａｃｃｅｐｔ               ｔｈｅ               ｃｈｅａｐｅｓｔ               ｓｅｒｖｉｃｅｓ               ａｖａｉｌａｂｌｅ,               ｗｉｔｈ               ｌｉｔｔｌｅ               ｒｅｃｏｕｒｓｅ               ｅｘｃｅｐｔ               ｆｕｒｔｈｅｒ               ｄｅｌａｙｓ               ｉｎ               ｔｈｅｉｒ               ａｂｉｌｉｔｙ               ｔｏ               ａｃｃｅｓｓ               ｃａｒｅ.
               Ｍｉｓ-ｍａｎａｇｅｄ               ｃａｒｅ               ｉｓ               ｃｈｅａｐｅｒ               ｃａｒｅ               ｆｏｒ               ｈｅａｌｔｈ               ｆｉｎａｎｃｅ               ｏｒｇａｎｉｚａｔｉｏｎｓ               ａｎｄ               ｈｅａｌｔｈ               ｃａｒｅ               ｐｒｏｖｉｄｅｒｓ,               ｂｕｔ               ｔｈｅ               ｃｏｓｔｓ               ａｒｅ               ｂｏｒｎｅ               ｂｙ               ｐａｔｉｅｎｔｓ               ｉｎ               ｔｈｅ               ｆｏｒｍ               ｏｆ               ｐｏｏｒｅｒ               ｈｅａｌｔｈ               ｏｕｔｃｏｍｅｓ:               Ｅａｒｌｙ               ｄｅａｔｈ               ａｎｄ               ｄｉｓａｂｉｌｉｔｙ,               ｄｅｌａｙｅｄ               ａｎｄ               ｄｅｎｉｅｄ               ｃａｒｅ,               ａｎｄ               ｐｏｏｒｅｒ               ｈｅａｌｔｈ               ｒａｔｈｅｒ               ｔｈａｎ               ｂｅｔｔｅｒ               ｈｅａｌｔｈ.
               Ｒａｔｈｅｒ               ｔｈａｎ               ｓｔｒｅｔｃｈｉｎｇ               ｔｈｅ               ｋｎｏｗｌｅｄｇｅ,               ｓｋｉｌｌｓ               ａｎｄ               ａｂｉｌｉｔｉｅｓ               ｏｆ               ｈｅａｌｔｈ               ｃａｒｅ               ｐｒｏｖｉｄｅｒｓ,               ａ               ｂｅｔｔｅｒ               ａｐｐｒｏａｃｈ               ｗｏｕｌｄ               ｂｅ               ｔｏ               ｍａｋｅ               ｓｕｒｅ               ｔｈａｔ               ｎｏ               ｐｒｏｖｉｄｅｒ               ｅｖｅｒ               ｐｒａｃｔｉｃｅｓ               ｏｕｔｓｉｄｅ               ｔｈｅ               ｒａｎｇｅ               ｏｆ               ｔｈｅｉｒ               ｋｎｏｗｌｅｄｇｅ,               ｓｋｉｌｌｓ               ａｎｄ               ａｂｉｌｉｔｉｅｓ               ｗｉｔｈｏｕｔ               ｔｈｅ               ｔｈｅｉｒ               ｐａｔｉｅｎｔｓ'               ｉｎｆｏｒｍｅｄ               ｃｏｎｓｅｎｔ.
               Ｃｏｎｓｕｍｅｒ               Ｃｈｏｉｃｅ               Ｉｎ               Ｈｅａｌｔｈ               Ｂｅｎｅｆｉｔ               Ｐｌａｎｓ
               Ｉｔ               ｓｅｅｍｓ               ｌｉｋｅ               ｓｕｃｈ               ａｎ               ｏｂｖｉｏｕｓ               ａｄｖａｎｔａｇｅ,               ｂｕｔ               ｓｏｍｅｗｈａｔ               ｐａｒａｄｏｘｉｃａｌｌｙ               ｔｈｅ               ｍｏｒｅ               ｃｈｏｉｃｅｓ               ｃｏｎｓｕｍｅｒｓ               ｈａｖｅ               ｉｎ               ｈｅａｌｔｈ               ｂｅｎｅｆｉｔ               ｐｌａｎ               ｓｅｌｅｃｔｉｏｎｓ,               ｔｈｅ               ｗｏｒｓｅ               ｄｅｃｉｓｉｏｎｓ               ｃｏｎｓｕｍｅｒｓ               ｓｅｅｍ               ｔｏ               ｍａｋｅ.
               Ｔｈｅ               ｌａｎｇｕａｇｅ               ｏｆ               ｂｅｎｅｆｉｔ               ｐｌａｎｓ               ｉｎｔｅｎｔｉｏｎａｌｌｙ               ｍｉｓｒｅｐｒｅｓｅｎｔｓ               ｔｈｅ               ｃｏｓｔｓ               ａｎｄ               ｂｅｎｅｆｉｔｓ               ｏｆ               ｐｌａｎｓ,               ｐｒｅｙｉｎｇ               ｏｎ               ｃｏｎｓｕｍｅｒ               ｉｇｎｏｒａｎｃｅ               ｒａｔｈｅｒ               ｔｈａｎ               ｋｎｏｗｌｅｄｇｅ.
               Ｐｅｏｐｌｅ               ｗｈｏ               ｔｈｉｎｋ               ｔｈｅｙ               ａｒｅ               ｈｅａｌｔｈｙ,               ｓｅｌｅｃｔ               ｃｈｅａｐ               ｐｌａｎｓ,               ａｓｓｕｍｉｎｇ               ｔｈｅｙ               ｗｉｌｌ               ｎｏｔ               ｎｅｅｄ               ｔｈｅｍ.

Ｉｔ               ｉｓ               ｏｎｌｙ               ｗｈｅｎ               ｔｈｅｓｅ               ｐｅｏｐｌｅ               ｂｅｃｏｍｅ               ｉｌｌ               ｏｒ               ｉｎｊｕｒｅｄ,               ｔｈｅｙ               ｒｅａｌｉｚｅ               ｔｈａｔ               ｔｈｅｉｒ               ｂｅｎｅｆｉｔ               ｐｌａｎｓ               ｗｉｌｌ               ｎｏｔ               ｃｏｖｅｒ               ｔｈｅ               ｃｏｓｔｓ               ｏｆ               ｔｈｅ               ｋｉｎｄ               ｏｆ               ｃａｒｅ               ｔｈｅｙ               ｗａｎｔ               ａｖａｉｌａｂｌｅ               ｔｏ               ｔｈｅｍ.
               Ｅｖｅｎ               ｉｆ               ｃｏｎｓｕｍｅｒｓ               ｃｏｕｌｄ               ｕｎｄｅｒｓｔａｎｄ               ｔｈｅ               ｌａｎｇｕａｇｅ               ｏｆ               ｔｈｅｉｒ               ｐｌａｎｓ:               ｔｈｅ               ｂｅｎｅｆｉｔｓ,               ｃｏ-ｐａｙｍｅｎｔｓ,               ｄｅｄｕｃｔｉｂｌｅｓ,               ｅｘｃｌｕｓｉｏｎｓ               ａｎｄ               ｗａｉｔｉｎｇ               ｐｅｒｉｏｄｓ;               ｔｈｅｙ               ｗｏｕｌｄ               ｂｅ               ｈａｒｄ               ｐｒｅｓｓｅｄ               ｔｏ               ｍａｋｅ               ｇｏｏｄ               ｈｅａｌｔｈ               ｂｅｎｅｆｉｔ               ｐｌａｎ               ｓｅｌｅｃｔｉｏｎｓ.

Ｆｅｗ,               ｉｆ               ａｎｙ,               ｃｏｎｓｕｍｅｒｓ               ｋｎｏｗ               ｗｈａｔ               ｔｈｅｉｒ               ｆｕｔｕｒｅ               ｎｅｅｄｓ               ａｎｄ               ｃｏｓｔｓ               ｗｉｌｌ               ｂｅ.

Ｔｈｉｓ               ｉｓ               ｐｒｅｃｉｓｅｌｙ               ｔｈｅ               ｒｅａｓｏｎ               ｔｈａｔ               ｗｅ               ｂｕｙ               ｉｎｓｕｒａｎｃｅ               -               ｔｈｅ               ｅｓｓｅｎｔｉａｌ               ｕｎｃｅｒｔａｉｎｔｙ               ｒｅｇａｒｄｉｎｇ               ｏｕｒ               ｆｕｔｕｒｅ               ｅｘｐｏｓｕｒｅ               ｔｏ               ｈｉｇｈ               ｍｅｄｉｃａｌ               ｃｏｓｔｓ.
               Ｒａｔｈｅｒ               ｔｈａｎ               1,000ｓ               ｏｆ               ｄｉｆｆｅｒｅｎｔ               ｈｅａｌｔｈ               ｉｎｓｕｒｅｒｓ               ａｎｄ               ｂｅｎｅｆｉｔ               ｐｌａｎｓ,               ａ               ｂｅｔｔｅｒ               ｉｄｅａ               ｗｏｕｌｄ               ｂｅ               ｔｏ               ｈａｖｅ               ａ               ｓｉｎｇｌｅ               ｈｅａｌｔｈ               ｉｎｓｕｒａｎｃｅ               ｐｏｌｉｃｙ,               ｕｓｅｄ               ｂｙ               ａｌｌ               ｈｅａｌｔｈ               ｉｎｓｕｒｅｒｓ               ａｎｄ               ｈｅａｌｔｈ               ｂｅｎｅｆｉｔ               ｐｌａｎｓ.

Ｓｕｃｈ               ａ               ｐｏｌｉｃｙ,               ｍｕｃｈ               ｌｉｋｅ               Ｐｒｉｖａｔｅ               Ｐａｓｓｅｎｇｅｒ               Ａｕｔｏｍｏｂｉｌｅ               ｐｏｌｉｃｉｅｓ               ｏｒ               Ｈｏｍｅｏｗｎｅｒ'ｓ               ｉｎｓｕｒａｎｃｅ               ｐｏｌｉｃｉｅｓ,               ｗｏｕｌｄ               ｂｅ               ａ               ｂｅｔｔｅｒ               ｗａｙ               ｔｏ               ｇｏ.
               Ｐｒｏｖｉｄｅｒｓ,               ｃｏｎｓｕｍｅｒｓ,               ｉｎｓｕｒｅｒｓ               ａｎｄ               ｔｈｅ               ｃｏｕｒｔｓ               ｗｏｕｌｄ               ｋｎｏｗ               ｔｈｅ               ｂｅｎｅｆｉｔｓ               ａｖａｉｌａｂｌｅ               ａｎｄ               ｃｌａｉｍｓ               ｈａｎｄｌｉｎｇ               ｗｏｕｌｄ               ｂｅ               ｍａｎｙ               ｔｉｍｅｓ               ｍｏｒｅ               ｅｆｆｉｃｉｅｎｔ.

Ｔｗｏ               ｐａｔｉｅｎｔｓ               ｓｈｏｗｉｎｇ               ｕｐ               ｔｏ               ｔｈｅ               ｓａｍｅ               ｐｒｏｖｉｄｅｒ,               ｗｉｔｈ               ｔｈｅ               ｓａｍｅ               ｓｙｍｐｔｏｍｓ,               ｗｏｕｌｄ               ｎｏｔ               ｂｅ               ｔｒｅａｔｅｄ               ｄｉｆｆｅｒｅｎｔｌｙ               ｂａｓｅｄ               ｏｎ               ｔｈｅ               ｃｏｎｓｔｒａｉｎｔｓ               ｏｎ               ｃａｒｅ               ｂｕｉｌｔ               ｉｎｔｏ               ｔｈｅｉｒ               ｄｉｆｆｅｒｅｎｔ               ｂｅｎｅｆｉｔ               ｐｌａｎｓ.

Ｐｒｏｖｉｄｅｒｓ               ｗｏｕｌｄ               ｓａｖｅ               ｍｏｎｅｙ               ｏｎ               ｆｉｌｉｎｇ               ｃｌａｉｍｓ               ａｎｄ               ｉｎｓｕｒｅｒｓ               ｗｏｕｌｄ               ｓａｖｅ               ｍｏｎｅｙ               ｏｎ               ｐａｙｉｎｇ               ｃｌａｉｍｓ.
               Ｔｕｒｎｉｎｇ               Ｈｅａｌｔｈ               Ｃａｒｅ               Ｐｒｏｖｉｄｅｒｓ               Ｉｎｔｏ               Ｈｅａｌｔｈ               Ｉｎｓｕｒｅｒｓ
               Ｗｉｔｈｏｕｔ               ａ               ｄｏｕｂｔ,               ｔｈｅ               ｖｅｒｙ               ｗｏｒｓｔ               ｉｄｅａ               ｉｎ               ｈｅａｌｔｈ               ｃａｒｅ               ｆｉｎａｎｃｅ               ｈａｓ               ｂｅｅｎ               ｆｏｒｃｉｎｇ               ｈｅａｌｔｈ               ｃａｒｅ               ｐｒｏｖｉｄｅｒｓ,               ｓｕｃｈ               ａｓ               ｄｏｃｔｏｒｓ,               ｈｏｓｐｉｔａｌｓ,               ｎｕｒｓｉｎｇ               ｈｏｍｅｓ               ａｎｄ               ｈｏｍｅ               ｈｅａｌｔｈ               ａｇｅｎｃｉｅｓ               ｔｏ               ｂｅｃｏｍｅ               ｔｈｅｉｒ               ｐａｔｉｅｎｔ'ｓ               ｉｎｓｕｒｅｒｓ.
               Ｐｒｏｖｉｄｅｒｓ               ｂｅｃｏｍｅ               ｔｈｅｉｒ               ｐａｔｉｅｎｔ'ｓ               ｉｎｓｕｒｅｒｓ               ｉｎ               ａ               ｖａｒｉｅｔｙ               ｏｆ               ｗａｙｓ.

Ｓｏｍｅｔｉｍｅｓ               ｔｈｅｙ               ｅｎｔｅｒ               ｉｎｔｏ               ｆｏｒｍａｌ               ｃｏｎｔｒａｃｔｕａｌ               ｒｅｌａｔｉｏｎｓｈｉｐｓ               -               ｃａｐｉｔａｔｉｏｎ               ｃｏｎｔｒａｃｔｓ               -               ｗｈｅｒｅ               ｔｈｅｙ               ａｒｅ               ｐａｉｄ               ａ               ｆｌａｔ               ａｍｏｕｎｔ               ｅａｃｈ               ｍｏｎｔｈ               ｆｏｒ               ｐａｔｉｅｎｔ               ｃａｒｅ.

Ｔｈｅｙ               ｇｅｔ               ｔｈｉｓ               ｍｏｎｅｙ,               ｅａｃｈ               ｍｏｎｔｈ,               ｒｅｇａｒｄｌｅｓｓ               ｏｆ               ｗｈｅｔｈｅｒ               ｐａｔｉｅｎｔｓ               ｓｅｅｋ               ｃａｒｅ               ｏｒ               ｎｏｔ.

Ｔｈｉｓ               ｍｅａｎｓ               ｉｔ               ｉｓ               ｔｏ               ｔｈｅ               ｆｉｎａｎｃｉａｌ               ａｄｖａｎｔａｇｅ               ｏｆ               ｐｒｏｖｉｄｅｒｓ               ｉｆ               ｐａｔｉｅｎｔｓ               ｓｔａｙ               ａｗａｙ.

Ｂｕｔ               ｔｈｅｒｅ               ａｒｅ               ｍａｎｙ               ｏｔｈｅｒ               ｗａｙｓ               ｐｒｏｖｉｄｅｒｓ               ａｒｅ               ｆｏｒｃｅｄ               ｔｏ               ａｃｃｅｐｔ               ｉｎｓｕｒａｎｃｅ               ｒｉｓｋｓ:               Ｔｈｅ               Ｆｅｄｅｒａｌ               ａｎｄ               Ｓｔａｔｅ               Ｐｒｏｓｐｅｃｔｉｖｅ               Ｐａｙｍｅｎｔ               Ｓｙｓｔｅｍｓ               ｆｏｒ               Ｍｅｄｉｃａｒｅ               ａｎｄ               Ｍｅｄｉｃａｉｄ               ａｎｄ               ｅｐｉｓｏｄｅ               ｂａｓｅｄ               ｃａｒｅ               ｐｒｏｇｒａｍｓ               ｔｈａｔ               ａｐｐｅａｒ               ｔｏ               ｅｎｃｏｕｒａｇｅ               ｂｅｔｔｅｒ               ｃａｒｅ               ｂｅｃａｕｓｅ               ｐｒｏｖｉｄｅｒｓ               ａｒｅ               ｓｕｐｐｏｓｅｄｌｙ               ｈｅｌｄ               ａｃｃｏｕｎｔａｂｌｅ               ｆｏｒ               ｔｈｅ               ｑｕａｌｉｔｙ               ａｎｄ               ｓｕｃｃｅｓｓ               ｏｆ               ｔｈｅｉｒ               ｃａｒｅ.

Ａｌｌ               ｔｈｅｓｅ               ｄｉｆｆｅｒｅｎｔ               ｍｅｃｈａｎｉｓｍｓ               ｐｕｔ               ｐｒｏｖｉｄｅｒｓ               ａｔ               ｆｉｎａｎｃｉａｌ               ｒｉｓｋ.
               Ｔｈｅ               ｏｆｔｅｎ               ｔｏｕｔｅｄ               ｐｒｅｍｉｓｅ               ｏｆ               ｓｕｃｈ               ｐｌａｎｓ               ｉｓ               ｔｈａｔ               ｐｒｏｖｉｄｅｒｓ               ａｒｅ               ｓｕｐｐｏｓｅｄ               ｔｏ               ｓａｖｅ               ｍｏｎｅｙ               ｉｎ               ｔｈｅ               ｆｕｔｕｒｅ,               ｂｙ               ｉｎｖｅｓｔｉｎｇ               ｔｈｅ               ｍｏｎｅｙ               ｔｈｅｙ               ａｒｅ               ｇｉｖｅ               ｉｎ               ｐｒｅｖｅｎｔｉｖｅ               ｃａｒｅ               ｆｏｒ               ｔｈｅｉｒ               ｐａｔｉｅｎｔｓ.

Ｔｈｅ               ｐｒｏｂｌｅｍ               ｉｓ               ｔｈａｔ               ｔｈｅｓｅ               ｆｕｔｕｒｅ               ｓａｖｉｎｇｓ               ｍａｙ               ｂｅ               ｙｅａｒｓ,               ｅｖｅｎ               ｄｅｃａｄｅｓ,               ｉｎ               ｔｈｅ               ｆｕｔｕｒｅ.

Ｉｎ               ｔｈｅ               ｍｅａｎ               ｔｉｍｅ,               ｐｒｏｖｉｄｅｒｓ               ｏｆｔｅｎ               ｇｅｔ               ｐａｉｄ               ｌｅｓｓ               ｔｈａｎ               ｔｈｅ               ｃｏｓｔｓ               ｏｆ               ｐｒｏｖｉｄｉｎｇ               ｃｕｒｒｅｎｔ               ｃａｒｅ.

Ａｎｙ               ａｄｄｉｔｉｏｎａｌ               ｍｏｎｅｙ               ｄｅｖｏｔｅｄ               ｔｏ               ｐｒｅｖｅｎｔｉｖｅ               ｃａｒｅ               ｗｏｕｌｄ               ｈａｖｅ               ｔｏ               ｃｏｍｅ               ｏｕｔ               ｏｆ               ｔｈｅ               ｓｍａｌｌ               ｐｏｔ               ｏｆ               ｆｕｎｄｓ               ａｖａｉｌａｂｌｅ               ｔｏ               ｐａｙ               ｔｈｅ               ｏｎｇｏｉｎｇ               ｃｏｓｔｓ               ｏｆ               ｃｈｒｏｎｉｃ               ａｎｄ               ａｃｕｔｅ               ｃａｒｅ               ｆｏｒ               ｔｈｅｉｒ               ｐａｔｉｅｎｔｓ.
               Ａｓ               ｉｎｓｕｒｅｒｓ,               ｍｏｓｔ               ｈｅａｌｔｈ               ｃａｒｅ               ｐｒｏｖｉｄｅｒｓ               ａｒｅ               ｓｍａｌｌｅｒ               ａｎｄ               ｍｏｒｅ               ｉｎｅｆｆｉｃｉｅｎｔ               ｔｈａｎ               ｔｈｅ               ｅｎｔｉｔｉｅｓ               ｔｒａｎｓｆｅｒｒｉｎｇ               ｉｎｓｕｒａｎｃｅ               ｒｉｓｋｓ               ｔｏ               ｔｈｅｍ.

Ａｓ               ａ               ｒｅｓｕｌｔ,               ｉｎｓｕｒａｎｃｅ               ｒｉｓｋ               ａｓｓｕｍｉｎｇ               ｈｅａｌｔｈ               ｃａｒｅ               ｐｒｏｖｉｄｅｒｓ               ａｒｅ               ｌｅｓｓ               ｌｉｋｅｌｙ               ｔｏ               ｅａｒｎ               ｒｅａｓｏｎａｂｌｅ,               ｓｕｓｔａｉｎａｂｌｅ               ｐｒｏｆｉｔｓ;               ｍｏｒｅ               ｌｉｋｅｌｙ               ｔｏ               ｉｎｃｕｒ               ｅｘｃｅｓｓｉｖｅｌｙ               ｈｉｇｈ               ｌｏｓｓｅｓ;               ｈａｖｅ               ｆａｒ               ｇｒｅａｔｅｒ               ｅｘｐｏｓｕｒｅ               ｔｏ               ｂａｎｋｒｕｐｔｃｙ               ａｎｄ               ｔａｋｅｏｖｅｒ,               ａｎｄ               ｍｕｓｔ               ｒｅｄｕｃｅ               ｐａｔｉｅｎｔ               ｂｅｎｅｆｉｔｓ               ｔｏ               ｃｏｕｎｔｅｒａｃｔ               ｔｈｅｉｒ               ｅｘｐｏｓｕｒｅｓ               ｔｏ               ｌｏｗｅｒ               ｐｒｏｆｉｔｓ,               ｈｉｇｈ               ｌｏｓｓｅｓ               ａｎｄ               ｉｎｓｏｌｖｅｎｃｙ               ｒｉｓｋ.
               Ａ               ｓｉｎｇｌｅ,               ｎａｔｉｏｎａｌ               ｈｅａｌｔｈ               ｉｎｓｕｒｅｒ,               ｗｏｕｌｄ               ｂｅ               ｔｈｅ               ｍａｔｈｅｍａｔｉｃａｌｌｙ               ｍｏｓｔ               ｅｆｆｉｃｉｅｎｔ               ｉｎｓｕｒｅｒ.

Ｄｅｓｐｉｔｅ               ｔｈｅ               ｅａｓｅ               ｗｉｔｈ               ｗｈｉｃｈ               ｔｈｉｓ               ｃａｎ               ｂｅ               ｄｅｍｏｎｓｔｒａｔｅｄ,               ｐｏｌｉｔｉｃｉａｎｓ,               ｉｎｓｕｒａｎｃｅ               ａｎｄ               ｈｅａｌｔｈ               ｃａｒｅ               ｐｒｏｆｅｓｓｉｏｎａｌｓ,               ａｎｄ               ｐｏｌｉｃｙ               ａｎａｌｙｓｔｓ               ｉｇｎｏｒｅ               ｔｈｉｓ               ａｎｄ               ｓｕｇｇｅｓｔ               ｌｅｓｓ               ｅｆｆｉｃｉｅｎｔ               ａｐｐｒｏａｃｈｅｓ               ｔｏ               ｐｒｏｖｉｄｉｎｇ               ｈｅａｌｔｈ               ｉｎｓｕｒａｎｃｅ               ｆｏｒ               ｔｈｅ               ｎａｔｉｏｎ'ｓ               ｐｏｐｕｌａｔｉｏｎ.
               Ｉ               ｈａｖｅ               ｂｅｅｎ               ｗｒｉｔｉｎｇ               ａｎｄ               ｐｒｅｓｅｎｔｉｎｇ               ｏｎ               ｔｈｅｓｅ               ａｎｄ               ｏｔｈｅｒ               ｖｅｒｙ               ｂａｄ               ｉｄｅａｓ               ｆｏｒ               ｍａｎｙ               ｙｅａｒｓ.

Ｉ               ｃａｌｌ               ｍｙ               ｗｏｒｋ               "Ｐｒｏｆｅｓｓｉｏｎａｌ               Ｃａｒｅｇｉｖｅｒ               Ｉｎｓｕｒａｎｃｅ               Ｒｉｓｋ."               Ｈｅｒｅ               ａｒｅ               ｓｏｍｅ               ｐａｐｅｒｓ               Ｉ               ｈａｖｅ               ｗｒｉｔｔｅｎ               ａｂｏｕｔ               ｉｔ.
               Ｒｅｆｅｒｅｎｃｅｓ
               Ｃｏｘ,               Ｔ.

(2010).

Ｌｅｇａｌ               ａｎｄ               Ｅｔｈｉｃａｌ               Ｉｍｐｌｉｃａｔｉｏｎｓ               ｏｆ               Ｈｅａｌｔｈ               Ｃａｒｅ               Ｐｒｏｖｉｄｅｒ               Ｉｎｓｕｒａｎｃｅ               Ｒｉｓｋ               Ａｓｓｕｍｐｔｉｏｎ.

ＪＯＮＡ'Ｓ               Ｈｅａｌｔｈｃａｒｅ               Ｌａｗ,               Ｅｔｈｉｃｓ,               ａｎｄ               Ｒｅｇｕｌａｔｉｏｎ,               12(4):               106-116.
               Ｃｏｘ,               Ｔ.

(2006).

Ｐｒｏｆｅｓｓｉｏｎａｌ               ｃａｒｅｇｉｖｅｒ               ｉｎｓｕｒａｎｃｅ               ｒｉｓｋ:               Ａ               ｂｒｉｅｆ               ｐｒｉｍｅｒ               ｆｏｒ               ｎｕｒｓｅ               ｅｘｅｃｕｔｉｖｅｓ               ａｎｄ               ｄｅｃｉｓｉｏｎ-ｍａｋｅｒｓ.

Ｎｕｒｓｅ               Ｌｅａｄｅｒ,               4(2):               48-51.
               Ｃｏｘ,               Ｔ.

(2001).

Ｒｉｓｋ               ｔｈｅｏｒｙ,               ｒｅｉｎｓｕｒａｎｃｅ,               ａｎｄ               ｃａｐｉｔａｔｉｏｎ.

Ｉｓｓｕｅｓ               ｉｎ               Ｉｎｔｅｒｄｉｓｃｉｐｌｉｎａｒｙ               Ｃａｒｅ,               3(3):               213-218.






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