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Health Care Plans - Obama versus McCain


Doris' Blog
By: dorisjdickson


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Posted: Oct 17, 2008 18:23
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  • Health Care Plans - Obama versus McCain

    Although I have my own opinion, I wanted to try to provide a side-by-side look at the two plans.  I did not want to change the wording of either candidate.  I did not want to editorialize.  So I copied and pasted from each website into one table.  Hope it helps you form an opinion on which candidate will ensure coverage for diabetics - currently ensured or currently uninsured.  Happy reading!

     

    McCain

    Obama

    Pre-existing conditions

    John McCain Would Work With Governors To Find The Solutions Necessary To Ensure Those With Pre-Existing Conditions Are Able To Easily Access Care.

    As President, John McCain will work with governors to develop a best practice model that states can follow - a Guaranteed Access Plan or GAP - that would reflect the best experience of the states to ensure these patients have access to health coverage. One approach would establish a nonprofit corporation that would contract with insurers to cover patients who have been denied insurance and could join with other state plans to enlarge pools and lower overhead costs. There would be reasonable limits on premiums, and assistance would be available for Americans below a certain income level.

    Require insurance companies to cover pre-existing conditions so all Americans regardless of their health status or history can get comprehensive benefits at fair and stable premiums.

    Required coverage

     

    Require coverage of preventive services, including cancer screenings, and increase state and local preparedness for terrorist attacks and natural disasters.

    Businesses

     

    Create a new Small Business Health Tax Credit to help small businesses provide affordable health insurance to their employees.

    Lower costs for businesses by covering a portion of the catastrophic health costs they pay in return for lower premiums for employees.

    Make employer contributions more fair by requiring large employers that do not offer coverage or make a meaningful contribution to the cost of quality health coverage for their employees to contribute a percentage of payroll toward the costs of their employees health care.

    Providing coverage for all

    Government should promote greater access through walk-in clinics in retail outlets.

    We should promote the rapid deployment of 21st century information systems and technology that allows doctors to practice across state lines.

    We must reform the payment systems in Medicaid and Medicare to compensate providers for diagnosis, prevention and care coordination. Medicaid and Medicare should not pay for preventable medical errors or mismanagement.

    While still having the option of employer-based coverage, every family will receive a direct refundable tax credit - effectively cash - of $2,500 for individuals and $5,000 for families to offset the cost of insurance. Families will be able to choose the insurance provider that suits them best and the money would be sent directly to the insurance provider.  Those obtaining innovative insurance that costs less than the credit can deposit the remainder in expanded Health Savings Accounts.

    Establish a National Health Insurance Exchange with a range of private insurance options as well as a new public plan based on benefits available to members of Congress that will allow individuals and small businesses to buy affordable health coverage.

    Ensure everyone who needs it will receive a tax credit for their premiums.

    Reduce costs

    John McCain will look to bring greater competition to our drug markets through safe re-importation of drugs and faster introduction of generic drugs.

    By emphasizing prevention, early intervention, healthy habits, new treatment models, new public health infrastructure and the use of information technology, we can reduce health care costs. We should dedicate more federal research to caring and curing chronic disease.

    Coordinated care - with providers collaborating to produce the best health care - offers better outcomes at lower cost. We should pay a single bill for high-quality disease care which will make every single provider accountable and responsive to the patients' needs.

    States should have the flexibility to experiment with alternative forms of access, coordinated payments per episode covered under Medicaid, use of private insurance in Medicaid, alternative insurance policies and different licensing schemes for providers.

    We must pass medical liability reform that eliminates lawsuits directed at doctors who follow clinical guidelines and adhere to safety protocols. Every patient should have access to legal remedies in cases of bad medical practice but that should not be an invitation to endless, frivolous lawsuits.

    Lower drug costs by allowing the importation of safe medicines from other developed countries, by Increasing the use of generic drugs in public programs and taking on drug companies that block cheaper generic medicines from the market.

    Require hospitals to collect and report health care cost and quality data; adopt state-of-the-art health

    information technology systems

    Reduce the costs of catastrophic illnesses for employers and their employees.

    Reform the insurance market to increase competition by taking on anticompetitive activity that drives up prices without improving quality of care.

    Allow Medicare to negotiate for cheaper drug prices.

    How will it be paid for?

    Not mentioned except - tax employees for their existing employer-based health insurance.

     

    Barack Obama will pay for his $50 - $65 billion health care reform effort by rolling back the Bush tax cuts for Americans earning more than $250,000 per year and retaining the estate tax at its 2009 level.

     

    Links to each website: 

     

    McCain:    http://www.johnmccain.com/Informing/Issues/19ba2f1c-c03f-4ac2-8cd5-5cf2edb527cf.htm

     

    Obama:  http://www.barackobama.com/issues/healthcare/

    http://www.barackobama.com/pdf/issues/HealthCareFullPlan.pdf

     

    Doris J. Dickson

     

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