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The human importance of a HEALTHY FOOD SUPPLY and a HEALTH CARE SYSTEM in
Vietnam |
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Despite advanced medical
science, health care system in US is not a human service but a ruthless
and shameless
corporate networks of elite educated parasites specialized in the
exploitation of people's illness to artfully but legally swindle billions
of dollars in medical payments, mostly for ballooned cost, bogus
treatments or even fake patients. This is why it costs the US government
and US treasury so much money while over 100 millions of working people in
the US is still without basic affordable health care like... Vietnam.
Health service is defined as a business where patients are viewed as
any other commodities to be exploited for income as soon as he is sick. A
common surgery in a few days can cost a person's house that he worked hard
to pay for 30 years. A hospital stay is filled with symbolic theatrical
nursing gestures then bill the government for thousands. Once patient's
finance is exhausted, they switched to bleed government programs. This system breeds skillful illegal acts by patients and professional groups including lawyers,
pharmacies... They manipulate the government with fake patients to funnel public funds while real patients
must wait for weeks for treatments... These must be prevented from taking place in
Vietnam. Sick elderly and children are not toys for rich doctors, corporations and investment groups to nurture their pockets. VINAREX
can build an effective and efficient health care system for Vietnam at
a fraction of the costs in the US starting with the basics: A cost-based,
professional, equitable health care
organization that serves both the the doctors and patients - Low cost
preventive services - Inexpensive medicine, medical supply chain -
Open simplified administrative system to prevent frauds, abuses -
Established market pricing & Software-programmed self-audited medical billing with an uncomplicated billing system - Innovative cares using internet
technology - Direct personal preventive services by medical staff, etc.
We will advocate the criminalization of the frivolous, terrorizing lawsuits, fake medicines,
fake illness, etc. Medical thefts should not be treated any differently than
any common thefts and embezzlement of public funds. |
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We will prepare a
separate document about this simple Cost-based, inexpensive health
care plan called
"NATIONAL MEDICAL
SERVICE ORGANIZATION OF VIETNAM" - VNMESCO -
In this page, we can discuss briefly the methodology, formula and
mechanics of how such health care system is feasible for Vietnam. |
First: |
To build a clean food
supply chain with bacteria-free Vegetable/Food Supply Sources (VINAREX
) and an extensive public education plan to inform people of a
health/disease preventive life style. |
Second:
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Organize a Comprehensive
Health Care Plan with the right formula and participation of an
organized medical group. Medical Insurance is the financial security
and a coverage non-common health care and not a determinant of a
health system; Insurance companies have no control over the cares by
doctors and that in our system, ALL parties are working together - not to
exploit each others over profit like robbers as in the US
over the sick. |
Third:
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Study, design and organize
equitable systems for the poor, the doctors, hospitals and insurance
companies. No doctors, no hospitals and no insurance companies will
lose money in our system, yet the patients are fully taken cared of in
all important health care areas: Preventive - Diagnostic - Prognostic
- Treatment and Recovery. |
Fourth:
|
Establish Preventive
Care and Local Clinic system to delivery direct preventive care;
Exclusionary provisions for people with alcohol, smoking. sex, drug,
other voluntary self-inflicting disease and any beautification
cosmetics. |
Fifth:
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Create innovative but simple
direct health care services from vitamin, medicine stores at low cost;
Visiting nurse assistants for special needs such as pregnant women,
elderly, vaccine distribution annually, prosecute abusive lawyers and
fraud criminals, etc. These are practical support work that can be
done cheaply in Vietnam. |
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The method of building a
workable health care system in Vietnam can be delicate but not impossible.
We can certainly must build a medical care system within our means and
make it affordable for the poor and we need no lengthy laws, political
fighting and endless arguments among educated grown-ups as in the US over
health care for their people. There are various systems, methods used in
many countries and each has its strength and weakness. We have our own
weaknesses in Vietnam due to lacking of money but we can be a good example
to for other neighboring nations to follow our examples and respect us as
nation, who can care for the poor, the workers and the elderly.
A system that promote
cooperation, friendships, relationship and QUALITY CARE for people and can
be used as example for other Asian and South American nations to follow. |
First,
A CLEAN VEGETABLE/FOOD SUPPLY CHAIN and a HEALTH PREVENTION PROGRAM |
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CLEANER food supply,
improved environment, better education and more income to afford
cleaner life will prepare people for a lesser cost health care system.
A combination of cleaner food supply network + Simple, straight
forward disease prevention and health planning and innovative
strategies to keep medical cost low, is an effective and
realistic approach to health care. We may not be able to provide the
very fancy care but at least everyone can afford medical services
under our plan and our leadership. We are not fancy but we are capable
to provide care to people at low cost. |
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Unlike the broken US' system, our health care insurance comes with
different operation formula that allows and encourage preventive
visits, checkups. Such system also support doctors or providers with
guaranteed operating income (vs. income per customer like now).
Immunization will be provided as part of the cost. This preventive
system will be highly preferred by participating hospitals as they
will receive lesser cases. |
Second: A NETWORK OF
COOPERATING MEDICAL PROFESSIONALS AND AN ORGANIZED FINANCIAL BASE &
PARAMETERS FOR THESE PROFESSIONALS TO OPERATE AND SUPPORT THE
PLAN |
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Health insurance system is
an organized process that combines smart financial planning and
realistic strategies. The difference between our system and the
failure of the US system is the alleviation of dishonesty, a clear
limit or exclusion of abuses with strong enforcement against frauds,
and a cooperating attitude among all parties (vs. the relentless and
systematic exploitation; Under our system, doctors and hospitals are
fairly supported; the only parties who are not are crooked doctors and
insurance criminals. |
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By carefully setting up an
insurance plan based on a methodical differential analysis between
providers' operating break-even point vs. Insured quantity and
contribution, with added supplemental risks insurance coverage for
excessive cases and a stronger cost control parameters for waste and
fraud costs, we can eventually achieve a
happy plan for the people while fully supporting the doctors and
hospitals. We would also study economic methods to help hospitals and
doctors to reduce costs by setting up cost-cutting organized supply
and added "profit generating enterprises" as how we do for our own
organizations, etc. |
Third: TO
ESTABLISH AN OPTIMAL FINANCIAL FORMULA WHERE COSTS AND SERVICES ARE
AFFORDABLE - Set up SUBSYSTEMS for under
and over coverage - CRIMINAL PROSECUTION of frauds, fakes, crooks |
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One reason for the failure
of the health service in the US is the inability of government to
crack down on fraudulent billings and ridiculously high charges using
their purposely excessive billing coding styles. We
can devise feasible financial formula and method to eliminate chances
for doctors or patients to cheat and fake patients. At the same time,
we cannot allow a system with limited money to be drained by bogus and
unnecessary services. We must clearly define the goals, objectives,
process of treatment plans and making sure that hospitals, doctors are supported while
insurance criminals, dishonest doctors and irresponsible lawyers are fully prosecuted for taking away the
means for the nation to care for the sick. |
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The purpose of our health
care system is to prevent illness and to maintain a healthy and
productive life for workers and their families. It is not a public
fund for doctors to exploit, to feed criminals, or to take care of socially irresponsible persons
who personally inflict themselves with illness such as drug addiction,
alcoholism, sexual diseases and breast implants. These are the
common-sense medical limits that we must define in order to
universally help the sick and to protect the interests of the society.
A functional health care system is just a realistic insurance
cooperative designed for unwanted sickness, to help people to prevent
and fight illness. It is neither a business nor a fund to be abused by
lawyers or doctors. |
Fourth: Establishment
of local clinics - Home visit nurses for maternity, child,
elderly care - Remote Diagnostic via Internet for outpatient cases -
Mobile Clinic - Improved management and paperwork... |
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Vietnam is with unique small towns away from the limited number of
hospitals therefore, wherever possible, we must be creative with our
medical preventive cares by providing the above services: SMALL
CLINICS in small towns for miscellaneous cares, Home visit nurses for women,
children and the elderly, Diagnostic services via the internet for
outpatient cases, mobile clinics with donations from other countries
and finally improving our management using undated software and
electronic medical records in ID card that any doctors can
access quickly. |
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Part of the high costs in
the US is the excessive but useless, wasteful procedures for
legalistic administrative expenses and lawsuit-proof paperwork rather
than for direct cares. Too many parasitic services that used up
money for doctors and patients. These useless costs can be abolished
so we can hire trained nurses to provide home visits to children and
elders in our health programs. These will be a giant step ahead of
other countries. |
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Without any doubts,
medical care in Western nations are far more advanced but it
is their greed that ruins their capability to delivery these advancements
to the people. Medical advances are meaningless when
no services are delivered or delivered only to a small few with money. Ironically, if the US continue with the current system, its
costs will weaken their entire economy. The failure of the US' health care
system and the weaknesses of other systems in Western nations can give us better
insights into organizing an affordable health care system for Vietnam. An organized medical
system will be
even better for
Vietnamese doctors and hospitals compared to the current situation in which doctors
and hospitals are paid very little for their services. There are innovations that we can carry out in
Vietnam that are not possible for US, EU, CA, etc due to the corporate
greed and "white collar" crimes of modern societies: Fake patients,
inflated charges by doctors; medical record thefts, personal ID thefts for
bank account theft; fake death insurance, fake death for life insurance;
lawyers' money lawsuits targeting people's fear; bogus billings by
hospitals using the complicated medical billing coding, etc.
By eradicating all unnecessary and cumbersome problems while
providing more direct, organized, practical services to the people
using innovative but honest methods, we believe that within our first 3
years, we can create a pilot system from which a larger national plan can
be formed. We are confident in our
ability to improve our health care system for the people with just some
simple cooperation from the government. We
can set good examples for other nations to follow and look up to Vietnam
as a nation of intelligent, caring people, a nation without ruthless
corporate crimes, without shameless doctors who use patients as toys to bleed the society of public funds under
the pretense of professional service as in the US. |
TYPICAL
ORGANIZATIONAL PROCESS OF A HEALTH INSURANCE SYSTEM in our vision |
First, PREREQUISITES of a
feasible plan is the existence of tasks of matters that are essential for
a healthier living. We believe that if Vietnamese are
provided with cleaner food supply (as we will be providing), better education,
environment and immunization, which are not costly, they are healthy;
These prerequisites are not that difficult to achieve. Secondly, a system
can be organized when components are carefully planned, formulated and
when all parties can negotiate in good faith and in a spirit of
contributing to society. Memberships are organized as a "guaranteed
customer base" and not the US' system of as "Discouraging users as much as
possible" type of attitude, so doctors can make money. Financial
formulations are based on actual probability costs to be paid anyway - as
opposed to the "Pay only when you are sick" - When any components are with
problems, we must work harder to solve that problem instead of the
"selfish business styles" in the US which makes their system and services
too costly and too heavy.... This subject matter is discussed in a
separate document entitled "MEDICAL SERVICE SYSTEM FOR RURAL
VIETNAM." We can only provide an abstract here. |
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HOW THE ABOVE SYSTEM WORK assuming that we can meet the
PREREQUISITES above? |
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First, we have to define
"Insurance" back to its basic and actual meaning or purpose, that is,
coverage for unexpected casualty or loss - NOT allowing
capitalists or corporate crooks want to make it into, that is, "Using
people's fear and their money and find ways to pay out for casualty as
little as possible for profit" When the upper educated bodies of the
system (insurance, doctors, hospitals' administrators...) all want to
operate the same while the payers below (patients, workers, farmers,
children, elders...) must pay what they want, nothing will work because
the poor below simply cannot afford the greed of the richer and that's
when their government has to pay such big bills yet can't even set up a
system as the corporate officers already lives in mansions to want to live
in a fancy house. If we go back to basic, create a fair system to
eliminate greed, crimes, frauds and design services efficiently,
responsibly, we can organize a health care system for several levels of
income - for now - and a universal one soon thereafter. |
COMPARE
OUR MEDICAL CARE SYSTEM WITH THE US and THE DIFFERENT ROLES EACH GROUP
ARE |
Principles/Formula |
Group A: VINAREX as
ORGANIZER |
Group B: DOCTORS &
HOSPITALS |
Group C: PRIMARY &
SUPPLEMENT INSURERS |
Must RE-DEFINE THE
ROLES |
As an independent body
and operate as a NON-PROFIT , we are to organize, set level of
care, affordability, plan the preventive cares to assist Group B and C
to; If membership is smaller, we innovate group visits; larger, we
determine the level of monthly cares limit + annual limit per doctor.
We purchase a separate Insurance plans for emergency care, other cares
(must pre-defined with exclusions) |
Group B is to provide
medical cares with monthly visits for preventive cares. We can
organize, innovate least cost preventive cares for doctors. With
monthly payments to Group B, Group B can determine which level of
preventive care they can handle at break-even point. Group B provide
services at the equal or less than the monthly pays + self insurance
with Group C for exceptional cases. |
Group C operates as
Insurers for EXCEPTIONAL CASES (pre-defined) using monthly payments
from us and Group B for cases OVER the monthly limit only.
Insurance companies in our formula works different than in the US.
They works as ANY auto insurance: pay for accidents only, for extra
cases, etc. We also require Group B to buy separate policies and Group C
also must buy long term policies too to cover their cost |
First: PARTIES are not to
exploit each others but work together as responsible professionals to
support society but not to lose money. Each can make min. profit but
not to inflate cost, cheat or exploit. Cost can be determined
objectively. No parties are to lose money but cannot profit
excessively either. |
Nominal
Financial Base |
Generally the BASE
FUNDS to pay directly to Group B (docs, hospitals) to over monthly
preventive cares, base visits, etc; Reserve Fund #2 are to invest for
profit but reserved, insured for exceptional cases; Fund #3 to
purchase insurance for accidents, exceptional cases, etc. Same as any
auto insurance. Group C, Insurer do not pay doctors, hospitals. |
First Doctors and
hospitals must determine an OBJECTIVE BREAKEVEN LEVEL for preventive
cares for the # of members we have. (must meet min. membership); When
Gr. B are paid for these services, they never loose money; For
accidental, exceptional cases, Group B are assured to be paid by Fund No
3 from us. They are covered and should not worry. |
When operates as any
auto insurance, Group C, Insurers can never lose money. We also use Fund
No 3 to pay to Insurance Co. The fund 3 is further subdivided in to
several groups: Accident cost, Occasional cost (birth, death,
work-related, etc.) and disaster cost (disasters, epidemic, special
severe cases, etc.) |
Second: We set up 3
types of Funds #1): BASE for monthly operations costs pay to B, C;
Fund #2: Surplus reserves for emergency and Fund #3: Pay
to insurance for exceptional cost, accidental cost, other cost; We
also determine the 'BREAK EVEN point for doctors and hospitals in
caring for our members. This is fair for all. |
Set the
operating standards |
Setting operating
standards means: Working with Group C to determine the OBJECTIVE
BREAK-EVEN point to service X qty of members for X number of medical
cares (Preventive - secondary - occasional - exception). This B-E
point can be set and agreed; No parties are allowed to cheat. |
When BREAK-EVEN POINTS
are known for each level of medical cares, Doctors and hospitals know
clearly their cost and what they can pre-collect from us. They are
also assured of other costs of the NON-PREVENTIVE categories. These
costs are for VINAREX to pay insurance co separately; We also use Fund
#2 to co-pay doctors and hospitals in non-routine cases so they need
not worry |
With our formula, the
Insurance co do not lose money because they already know beforehand
how much they collect, how much they may pay out in non-preventive or
routine cases. They will work exactly and as simple as any auto
insurers but in medical cares, we separate types of insurance to cover
for insurance co. Insurance co also must buy supplemental umbrella
insurance to cover themselves. |
When we can increase
the minimum no of members, we can increase the level of service, increase
fund #2 and #3 above. We also need to set the BREAK-EVEN point for
Group
B and C so we can determine if we need to increase members or to find
innovative ways to help doctors, hospitals and insurance co so they
don't lose money. |
Organize SUPPORT
businesses |
VINAREX does not work
as "money making co" like US medical ins. brokers. We actively help Group
B (docs, hospitals) and Group C (Insurance co) to find ways to minimize
costs; for example: collective buys, added concessions at hospitals,
etc This also improve relation and cooperation. |
Doctors, hospitals are
assisted by us to minimize their cost. The more we help them, the
stronger they can operate and improve relationship with us. This is a
distinction with US ways that every party is fighting for money with
one another! |
With us even insurance
co are our friends. We must also help them to minimize their cost by
us bringing auto insurance from our members, for example. We also will
innovate other products so insurance can make extra money thereby
cooperate with us fully. |
We also must create
extra businesses doctors and hospitals so they can make extra money and thus minimize their cost. The
more we do, the lesser we pay them based on "our break-even" work
formula. The lower the cost, the more services we can provide for
people. |
Organize
INNOVATIVE CARE methods |
VINAREX can innovate
and organize methods such as: HOME CARE NURSE, DIAGNOSIS-TREATMENT VIA
INTERNET, IMMUNIZATIONS BY HOME NURSES, COLLECTIVE DOCTORS VISIT,
SPECIAL MATERNITY VISITS, |
Innovative cares under
the supervision of doctors can save more and help doctors work better,
prevent unnecessary visits to over-load hospitals, etc. Home care
program will be useful as it will save time, prevent cost and improve
relations among people, parties |
Innovative cares will
also help insurance companies to feel comfortable and secured in
working with us. The idea is WE MUST BE COOPERATIVE, SUPPORTIVE AND
HONEST with one another. We cannot do in the US because ALL parties
always try to lie, cheat and exploit. |
INNOVATIVE care methods
can be created by VINAREX in many different ways so we can help
doctors to care for more patients at least cost. |
Criminal
Enforcements of Frauds |
Criminal prosecution is
an essential part of our programs. It costs very little to prosecute a
criminal than to increase costs to the poor. It also makes sense and
provide hospitals, insurance companies ways to prevent excessive or
unnecessary costs especially against frivolous lawyers, and other
crimes |
Along with criminal
prosecution, doctors and hospitals are actively helped in sorting out
no good patients, exploiting patients etc. This problem is so
widespread in the US because their system is so disorganized that it
encourages frauds by both doctors and patients. We don't have this
problem in Vietnam as we don't allow that to happen. |
By strongly prosecute
frauds, insurance companies will pay much less for their casualty loss
payment to their own insurance wholesale companies. This will also
help them to reduce their cost and operate better; this leads to
better service and better results for patients too |
Even though it is
always probable, under our system which we fully work with other
groups in our ways, we do not foresee any doctors or hospitals will
cheat. However when there are, the government must enforce and
prosecute violations. This will help good doctors and help us to
maintain our medical care system for the poor at cheap cost. |
Special
services: CLINICS, MEDICINE |
VINAREX will also
actively create more medical services with volunteers such as: SMALL
CLINICS to basic cares, first-aids, basic VITAMINS, DRUGS to help with
basic needs without going to doctors; We also will create MOBILE UNITS
to remote villages so doctors can spend more time with more patients,
etc. |
Hospitals will welcome
all the work we can do. VINAREX will work as an EXTENSION of the
hospitals and doctors and NOT as their adversary as in the US system.
To make this system works, we must ask the government to get rid of
frivolous lawsuits so more volunteer doctors, retired doctors can help
us. |
This additional service
will also be helpful to insurance companies as they know that we are
actively organize more services to less chances of casualty loss to
them, thus the insurance cost to us will be lower over a period of
time. |
We also will innovate
different cares and services on our own for people to lessen the
burdens to doctors and hospitals. We need to stress that: By working
in good faith, we can bring more benefits to people vs. when everyone
tries to make money like in the US system, nothing works. Their
medical system actually encourages crooks |
These are the
outlines of the methods, the formula that we will use in our MEDICAL
CARE SYSTEM for the poor in Vietnam. It is a system of practical
cooperation among parties for a single purpose: To provide better
health care for poor people at lowest cost. Our system is effective,
practical, honest and inexpensive. When each party is pursuing solely
of the idea to exploit and cheat one another including cheating the
government, NOTHING WORKS. To us, such system and morality is
INHUMAN, IMMORAL and cannot be called "medical professionals" in any
definitions. |
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Systemic
and Organization Process: How do we set up such health insurance
program? |
Tasks |
Solution |
Description |
1) Determine the
necessary optimal median amount to operate a health care system-
Negotiation on break-even point and not on profit point |
Set up a minimum level
of participating doctors and public hospitals; Calculate a statistical
median cost to establish the financial bases for negotiation. Base of
negotiation at break-even point is fair, constructive, responsible. |
First, we must define
the "Optimal median amount" is the acceptable operating cost of
doctors and hospitals on the basis of break-even point of each of the
participants or service providers. This formula is different
from negotiating on the basis of what the other party wants -
PROFITABILITY - which is the American style - this is why their costs
are high and plans not achievable because greed is immeasurable. |
2) Determine the
minimum members to support such system in #1 above at several levels,
invite outside workers as necessary or as much as possible |
Minimum number of
members from the #1 above; Intersect the figure with insurable
min-max-median amount from insurance co to determine the realistically
affordable level and where the exclusions may be. |
When we have the
financial obligation or base to work with, we can calculate minimum
membership quantity. By multiplying quantity factoring in the
prevailing insurance cost (typically from 2% to 20%) then, we
can summarize the financial facts to negotiate and plan and if more
members are needed. If so, we just go and ask more people from other
groups, companies to join. It is not hard to do. |
3) Verify the
costs and system's operating range to determine the range/scope/extent
of medical services |
Test run cost analysis,
counter-weight them against actual costs by doctors and hospitals to
finalize the costs and benefits; |
We can carry out such
tasks in Vietnam but may not able to in the US as businesses want
solely to make profit and will be secretive about their cost. For
Vietnam, we can overcome this problem to come up with an optimum happy
medium for all parties. |
4) Use #3 as
guide to determine the optimal membership quantity and monthly
insurance cost |
Universal coverage for
everyone is not expected but main working staff first then expanded
later when system is working. The lower the cost, the higher the
member quantity; We also must invite more healthy members |
Now that we have (a)
the operating cost median amount and (b) the insurable amount to for
item "a" above; and as we finalize the (c) quantity of memberships and
affordable insurance monthly payment; we can now look into other lose
ends, issues and options. |
5) Narrow down
the insurance payment by shopping around with casualty insurance
wholesalers-brokers |
Casualty loss insurance
is a multi-level business. This is best left to an insurance trained
person |
Knowing these financial
obligations above and knowing the membership quantity + payment we can
afford, before we take the next step, we should consult insurance
specialists as to who to insure and how this insurance segment can be
organized. This is easier than the other tasks. |
6) Combine and
re-adjust financial details: Co-payments, level of services,
exclusions, alternative remedies for exclusion cases, etc. |
These peripheral issues
are not as hard but also must be carefully designed. Exclusions of
coverage may be set lower and adjusted over time; Alternative options
for exclusion cases should be studied to help patients just in case. |
The lower the exclusion
level, the lesser it costs. We can study and provide alternative
medicines for them. Automatic exclusion must include vulnerable cases
such as known alcoholic, drug addicts, heavy smokers, known
heart/hypertension and diabetes and hepatitis, etc. This must be done
so we can build up the system first. |
7) Creating
businesses to generate funds for hospitals to lower their break-even
level thereby lower our payment |
The lower the operating
cost for doctors, hospitals, the lower our insurance payment or wider
membership coverage. Therefore we must work harder to help doctors,
hospitals to make extra money or to cut costs, etc. |
VINAREX is capable of
providing hospitals, doctors with innovative businesses to help them
lower their cost rather than to require higher monthly insurance
payment or higher co-payments. |
Those are the methods or
strategies from which we establish the foundations of our medical
programs. The bases of our concept are quite different than the US'
greed-driven, which in continue to cultivate more corporate profits to
bankrupt their health plan. It will be impossible for the US
government to maintain the medical care the way it is without
bankruptcy , or the heavier tax-based EU system,
which weaken their economy from too much debts. Our system bases on honesty, cooperation and factuality. We
can organize in a way that participating service providers will be
honest and fair in their cost. And when the system is free of greed,
frauds and criminals, when preventive cares are directly and routinely
carried out, when costs are controlled, a health care system for
workers, farmers, and everyday workers can be done. We believe that
the Vietnamese professionals (doctors, hospitals...) can be much more
honest and caring compared to others and if we help them to cover
their costs and to service people, they will be happy to participate
to service people, whereas in the US, where excessive greed,
legalistic fallacy, cumbersome management, waste-ridden procedures,
political infightings for more business interests vs. societal
priorities, etc., their system will continue to be costly, wasteful,
and ineffective. |
INNOVATIVE SERVICES AND BUSINESSES AT MINIMIZED COST |
Task |
Solution |
Description |
1) Based on the
above financial and operating parameters, organize doctors, clinics,
hospitals into a group. |
We can provide
sufficient number of doctors and hospitals but must devise creative
ideas and train more nurses and assistants as well as innovative
services so that doctors can carry out the work for the people |
First, we must not
follow the style of many US medical groups by listing many bogus
doctors, departments, etc to sell but no services. This is a fraud. We
must learn to plan and develop effective strategies for efficiency, no
wastefulness and no frauds. We are confident in our ability in
organizing sufficient doctors. |
2) Actively
design a health Preventive Programs for each age level and
classifications of patients/services |
Preventive programs can
be simple but effective starting from young age. Strong preventive
programs save money and help our system expands to cover more people. |
In our system, trained
nurses and assistants actively provide scheduled visits to all
families in the program. Doctors visit are also prescheduled in
addition to other innovative strategies. This is 20 times better than
US system where doctors see patients only when absolutely necessary! |
3) Define and
determine high cost cases to find solutions for them but do not
include them in our operations |
Exclusions are
necessary in order to provide quality cares to other members.
Exclusions are common for alcohols, drugs, HIV, diabetes, and other
critical diseases. |
High risks create
burdens for others and often open situations for abuses. However we
propose to provide certain level of support within our limit but must
define exclusions for insurance company to know their limit to keep
health care affordable. |
4) Create
innovative, comprehensive preventive medical service programs |
We can provide
comprehensive cares with the trained group or nurses and assistants;
Active use of scheduled internet visits and diagnoses and other group
visits are possible. |
Innovative preventive
cares must be forceful and clear in combination with regular checkups
to enforce such programs to exclude obesity, alcohol, etc. US system
does not work as they don't set up any contacts with patients to
enforce any results. |
5) Create
smaller local clinics, medical assistants, home nurses, medical
students as support staff... |
Smaller clinics where
patients can visit for miscellaneous supplies, follow-ups are great.
We can also use part of insurance money to pay for other preventive,
innovative tasks |
These are part of the
preventive, comprehensive services at early stages. Most preventive
cares do not require doctors' presence. We can develop these programs
for the local area where we operate so help others as well. |
6) Strengthen
the organization by: Communication - Automated accounting - Eradiate
loopholes - Problem Support Team |
We also must design
better internal management techniques to eradicate problems, frauds,
expedite services, supports, etc. |
Clear, open, accessible
communications save time, money and prevent frauds as frauds breed
better when paperwork are secretive. Openness makes it less costly to
prosecute criminals to enforce and eradicate medical criminals.
Medical criminals must be treated as any other serious property theft. |
7) Designing
"business enterprises" and other money producing means for hospitals,
doctors to supplement income and/or reducing supply costs |
We also must design
better internal management techniques to eradicate problems, frauds,
expedite services, supports, etc. |
Clear, open, accessible
communications save time, money and prevent frauds as frauds breed
better when paperwork are secretive. Openness makes it less costly to
prosecute criminals to enforce and eradicate medical criminals.
Medical criminals must be treated as any other serious property theft. |
|
Low cost health care can be
feasible when we are innovative in services and efficient in procedures and
clear in billing or documentation. Unnecessary laws that adds burdens on
the systems must be abolished to save money. US medical billing code
system, slow and non-medical insurance procedures, excessive
administrative barriers, etc. they are cumbersome,
self-defeating as they are largely created to protect corporate interests
for financial
gains. For Vietnam, it is feasible, practical and directly effective as
governments are supportive of more real and legitimate medical services
for the people whereas local governments in the US are useless or care
free against medical frauds. |
BETTER
SYSTEM MANAGEMENT WITH STRICT ENFORCEMENTS AGAINST MEDICAL FRAUDS,
CRIMES |
Task |
Solution |
Description |
1) Improve
Medical Billing for clarity & efficiency. Simplify the waiting periods
and allow doctors to be free to choose treatment selection. |
The present US medical
billing coding is complex, costly, wasteful. We must simplify them
into understandable forms for faster management and processing. |
US medical billing
codification is built for an automated efficiency but self-fed itself
to burden the system and provide breeding grounds for doctors to
cheat. Paperwork procedures also must be simplified and relied on
intelligence and discretion of the doctors - not paperwork and
administrative rules. |
2) Systemize,
open communications to prevent hidden costs; allowing other doctors,
staff to identify and report frauds |
Communications can be
open, clear to save time and money. Obscure data create more chances
for criminals, doctors to cheat. Most medical info can be open for
quick access by doctors, hospitals, and family members. |
When every step of
medical work must be documented, detailed to meet insurance payments,
doctor's work is too much on paperwork and not on patient. This system
can be simplified to focus more on medical work and lessen
administrative cost. US legalism has placed medical work under seize
and we must not allow our systems to repeat their stupidity because we
cannot afford these costs. |
3) Work closely
with Ministry of Public Security to deter and prosecute criminals
forcefully and clearly. |
Effective, clear, open
communications prevent frauds, facilitate speed, efficiency. It is
also faster for Public Security Officers to catch, prosecute criminals. |
One factor for success
is the deterrence of frauds by doctors, patients. In our system, when
paperwork is clear, open, accessible by other responsible parties,
criminality is deterred. Medical frauds must be treated as serious
crimes but must be made easier to be prosecuted - If too cumbersome,
we cannot enforce laws. |
4) Actively
training of nurses, Create several levels of doctors so more doctors
are available; Active use of students-trainees |
We favor the Chinese
doctor's certification system over the US. For Vietnam, we can even
improve on such system by allowing more nurses, medical students to
work. |
These solutions are not
possible in the US as the medical institutions are designed to make
doctors more scarce for more money and too costly. This system is
backfired. We can change that. Making more levels of doctors allows
more treatments available; Adding more nurses, medical students lower
costs and better service the people |
5) Support and
design active use of costless internet medium to conduct businesses,
services for less cost. |
We support more
internet visits, diagnosis, automated medical info, more automated
broadcasts of medical treatment and even automated info for simple
cares such as wound treatment, health maintenance, etc. |
These automated
activities are just as effective as doctors when carefully prepared.
Making patients smarter saves time, money and save lives! The US
system does not allow this so they can create more money for doctors
and lawyers. This must not be followed in Vietnam. |
6) Set up
Special Team for problems solving to continue to improve ourselves and
our services. |
Special teams consists
of local community leaders serves as a mechanism to help our system
improved. They performed duties like advise, help, support medical
professionals to carry out their work and solve problems. |
In any public work, we
must have a social body to help us solve other problems, to create a
supportive and friendly atmosphere for both the government and the
people. This community advisory group is helpful for us to deal with
issues so the medical professionals can do their jobs and get rid of
small problems that wasted their time. |
|
The above discussions
and descriptions clearly exemplify how a health care system can be
created for the people. Similar to any agricultural or economic
plans, we have to design, organize and work methodically and
intelligently. We
must learn from the failures of the US, EU and other countries and make
ours better for the people, for the medical professionals and for
the insurance companies who are a part of this process. It is not
impossible to build a health care system when corporate greed are
under control and that the government must be strong enough to
clamp down on frauds and greed and this is not difficult for the
Vietnamese government to do. No system can operate if we allows crooked doctors and
insurance criminals to bleed, abuse our system. But to
deter and prosecute medical frauds, we must design our system, procedures
and process as simple, clear, accessible as possible so crimes are much
harder to start and much faster to be prosecuted. |
|
DESCRIPTION OF OTHER HUMAN SUPPORT PROGRAMS TO IMPROVE LIFE QUALITY
WITHIN OUR NETWORK |
These projects and
products require time to fully develop but the process must be
started. Depending on each service or plan, we
may seek the cooperation with other private companies. However,
INSURANCE CRIMINALS MUST BE STRONGLY PROSECUTED to protect these
programs for the poor and that AN INTELLIGENT CRIME DETECTION plan
must be in place to also protect financing institutions, etc so
our cost will be reasonable. These programs will be developed
jointly with other organizations. |
EXAMPLES PRODUCT OR SERVICES |
Est % income to contribute |
Est years to reach benefit (1) |
Est Min members (2) |
Explanation or
Planning Objectives |
1) FLOOD
INSURANCE PLAN for selective provinces where our
agricultural sites are located |
2 to 4% |
3 |
25,000 to
40,000 |
Flood Insurance to
assist farmers and non-farmers protection in the event of flood
that will wipe out their future. |
2) Within
our region or program sites, PROFITABLE
PROVINCES to support poorer provinces. |
NA |
NA |
NA |
Within our own
agricultural programs, some excess
profit will be set aside to support poorer provinces (in insurance
cost) for a set number of years until they become self-sufficient |
3)
SUPPLEMENT HOSPITALIZATION INSURANCE for people in the countryside. |
3 to 6% |
1 |
50,000
70,000 members |
Health insurance must
combine with prevention programs + other strong
measures to prosecute frauds, criminals and
abuses. The first 3 years, eligibility may be limited to hospitalization cost, etc. |
4) UNIVERSITY
EDUCATION PLAN for farmers/staff families after 10 yrs working |
2 to 5% |
10 |
10,000 |
We have to combine
this plan with subsidies and scholarships and by better financial
management/distribution so more students can benefit instead of a
few. |
5) VOCATIONAL SCHOOL support plan for families after 5 years of
working with us |
1 to 3% |
5 |
NA |
Education is important
for the strength of a nation. We will support this plan by
setting money aside for tuition cost. Members also have priority
for other jobs within our organization. |
6) CROP
INSURANCE PLAN for all farmer-invested farms |
1.5 - 2.5% |
1 |
NA |
We will
set aside insurance payment after 1 year; This will protect
farmer's investment (if applicable); Crop insurance is obligatory
for the first 5 years (as security for farmers) and optional
thereafter. |
7) 50%
cost for RETIREMENT PLAN for any farmers/workers |
1 to 3% |
15 |
25,000 |
Our organization will
contribute 50% to the retirement cost of all farmers and staff
working with us for a minimum of 15 years |
8) HOUSING PLAN
for any distant agricultural sites or for those without a home |
2 to 3% |
3 |
NA |
With urbanized lands
become costly and when our agricultural sites are distant, we will
set money aside for construction of housing cost to farmers
without a home or who can buy at special price with condition that
they don't resell (to prevent rising cost) |
9)
LOAN-GUARANTEE SUPPORT for farmers to build own homes after 5
years of working with us |
5 - 10 % |
5 |
NA |
If a farmer willing to
set aside a small % of income as saving for future use (homes,
land, business, etc), after 5 years, we will guarantee to support
them to secure loans for these purposes |
10) COOPERATIVE
DISCOUNTS and etc. |
Annual fee |
3 |
25,000 |
As our organization
grows, we will negotiate with other companies (such as auto
insurance, supermarkets, electronic or appliance shops...) to
provide our members with special discounts... |
With a combined effort
between scientists, engineers from other countries, the available
labor and cooperation of the government of Vietnam, we can carry
out our plans to at least provide fundamental health plans such as
preventive, emergency, maternity, dental, and other basic issues
for children and adults up to certain age until other better
methods develop. |
|
|
|
Concluding Note |
A Cost-based,
Insurance-backup health care plan for Vietnam can be done and is necessary for us
to promote public health and improve health care for the people.
It is realistic, affordable and achievable if we know how and
determine to do so. It can be done when we are
ready to execute just a few essential foundations:
(1) An honest, cooperative, organized structure, (2) A
well-designed service and operation within our means but with
built-in engines to exclude abuses, special burdens, frauds, (3)
An innovative but direct preventive care operation and creative
but effective, low cost maintenance and treatment operation, and
(4) Other organization innovations and support strategies that
root out problems, criminals and promote supports, unity among
parties from patients, doctors, to hospitals and insurance
company.
Medical care is
a professional work and a human service. But US corporations
define just as another it as a pursuit of profit and a swindling operation
of government funds. To us, that is socially irresponsible,
shameful, criminal-like and even inhuman. We
must be careful and not to allow this heartbreaking
tragedy of modern civilization to take place in Vietnam. To
organize an affordable medical care system for the poor is a not
only an important duty that we must do, it will also make other poor
nations in Asia and South America to look up to us with our strong
and smart social plans. It is hard work but we can organize and
innovate a system for Vietnam. We are confident in this strong
probability having observed the medical costs and services in Vietnam
over the past year. Being able to
carry out this plan, not only that we will provide economic and
social well being for the people, we will set examples for many
more nations to follow, and also prove
to other nations including the US that when patients are treated
merely as a business ploy, when medical profession is filled with
criminal acts, when a system is operated on heartless
greed, corporate arrogance, and legalistic manipulations, such health
care system will never succeed and the people will continue to
suffer. |
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