All that said, I do think there could be something to this, as an inspiration for a smaller scale managed care:
First, scale way down the subscription model, institute some minimal per-visit charge, and this could function to serve some communities that don't have a good health care solution. What I'm envisioning is a group of 4 or 5 doctors that take say 4-5,000 families at around $300-400/yr (about $25-30/ mo.)for a family of 3 or 4, base subscription (additional fees for larger families, of course). These fees would help cover base doctor salaries and the overhead of maintaining a clinic. The doctors then charge a low but meaningful per-visit charge, around $15 for a basic visit, more for house calls (a possible consumer "feature" from this model). In addition, for prescription drugs, more advanced treatment, specialization, or ER visits, the patient's annual subscription could work as insurance, where the doctors would cover some of the costs out of pocket from the subscription fee, and the patient pays some from their own pocket. For extreme expenses, the doctors could get their own insurance to cover life-and-death or other critical expenses that would otherwise swamp them- kinda like malpractice insurance, except a good thing. :) This would hopefully encourage doctors to focus on preventative and attentive care, to keep their out-of-pockets down, while allowing lower and middle income families to get personalized health care at a relatively reasonable cost. In regards to prescription drugs the doctors might not be part owners of pharmacies like they currently are, passing the high drug costs onto patients and/or Medicare- putting the onus on doctors to prescribe needed drugs, but not unnecessarily. Lastly, I'd add in the socialized medicine part and have the guvmint give partial or full assistance to those families who can't afford even the annual fee, as well as regulate for collusion or price gouging by unscrupulous practitioners.
Other thoughts: Presumably, a community would have several of these GP teams in business, so people could swap between them to keep them competitive. If you belonged to a current GP team and seriously wanted a second opinion, you could pay a larger office-visit fee to a different GP team (to keep doctors honest, and hopefully alleviate conflict of interest between good medical advice and profit-making: if the second opinion doctor is better than your own, you can switch, which gives the second opinion doctor reason to diagnose you well).
Basically, I'm envisioning a privatized "Country Doctor" practice combined with government assistance- personalized one-on-one HMOs without the huge corporate bulk and administrative overhead.
Thoughts?
posted by hincandenza at 9:46 PM on June 8, 2001
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with increasing populations and increasing health problems, i just think that socialized medicine must be future.
posted by o2b at 5:22 PM on June 8, 2001