Word: prepaid
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HCHP planners are idealists, but their plan is proving realistic. The plan--called variously a health maintenance organization or a prepaid group practice--is in theory the ideal answer to many problems in modern medical care. It reverses the medical establishment's economic incentives. While the conventional fee-for-service system gives physicians financial encouragement to provide more services regardless of their effect, the prepaid group practice system encourages the group to find the most efficient way to keep its members healthy. The prepayment plan thus discourages expensive overuse of highly sophisticated medical technology, and encourages the use of preventive...
...implementation of a comprehensive national health insurance plan, if the plan lacks special incentives for prepaid health plans, would halt the growth of HCHP and others. The advantage to potential members of lower total cost would be removed, and few would join for the advantages of group practice alone. The passage of a national health insurance bill would also take the lid off health expenditures in this country and leave no incentives for hospitals and physicians to avoid very costly and sophisticated equipment and techniques. The incentives to economize in plans like HCHP have proved that efficiency in health care...
...politics as much as economics-specifically, Gerald Ford's election-year advocacy of reduced Government regulation. The CAB yielded to pleas by the charter airlines to allow all carriers to offer, through travel agents, a more flexible plan: seats booked 30 to 45 days in advance, but no prepaid hotel accommodations and minimal restrictions on length of stay...
Medipet. San Francisco pet owners who feel distempered by runaway veterinary costs can now sign up for Medipet, a prepaid insurance plan for dogs and cats. For $68 a year, pets are covered for routine treatment such as physical exams, rabies shots, defleaing and worming-all of which can cost up to $100 a year without insurance. They also get prescription drugs and emergency hospital care. Medipet founder Paul E. Murray Jr. says some 13,000 pets are put to death in the U.S. each day because their owners cannot afford vet bills. Murray, who started the San Francisco program...
...route in solitude, reservations, insurance, physical examinations and advance deposits are required. Bikecentennial prices for those who go coast-to-coast: from $75 if you are alone, buy your own food and sleep under the star-spangled skies to $965 for coast-to-coast groupies who want prepaid meals and real beds at night. Reports from the trail put the average total cost per day at about...