Great read.
Free markets finding a way.
When an average American and that’s me, is paying a couple grand+/mo for crappy coverage and copays and deductibles my family has never met and therefore are paying cash for everyday healthcare and then paying a monthly fee for crap insurance. We all feel jaded, ripped off and taken advantage of. So why not take your own healthcare into your hands and make a new path. I get it. I did it. I’m healthier because of it.
What if there was a bank account available, that required you to deposit monthly, what you would have paid an insurance company in premiums, for an ACA silver plan. So for a family of 5 about $2100.
The amount would then be used for Stop Loss Insurance set at $30k dollars. About $300. Another $200 would be used for local Direct Primary Care for your family
The balance would be in YOUR bank account.
Like an HSA, It could only be used for approved medical expenses. If you never have any medical expenses, you will get to keep the money plus checking act level interest, when you turn 65
If you have a medical event that is more than what you have saved, your bank will loan you the money you need to pay for it, up to the $30k stop loss trigger
You would repay that amount using the monthly $1600 net deposit. Once the loan is paid off, the deposits start to accrue to you again.
This is not insurance. It’s a specially designed bank account that gives you control, support, a doctor to work with and catastrophic financial protection.
Lots of work and issues to be addressed. But I was curious what people think
Let me know !
@paulb3rd The only ones I’ve seen are overdosed GLPs and most were early in the Ozempic upswing and would happen after a dose increase. My catchment is smaller rural area ED. I get maybe one every month or two now and 2-3d post dose. It was a weekly occurance in late 2024 - early ‘25.
@SuburbanDadX@SBakerMD European Golden is exceptional. Smart, sassy, expressive. We’ve had several good and great dogs. One of our favs for sure. Just got a Belgian Malinois and he looks like he’s going to give our golden a run for the championship.
@rkh_md Amen. I’d even suggest a new pathway for gen Surg, family med &, ED docs into an orthopedic surgical specialty. Plenty out there with aptitude who had no shot at orthopedics in med school. There are small communities desperate for Ortho care.
@independentMDs@BrentAWilliams2 What if an AI has abilty to do full body POCUS in a matter of minutes. Can hear interstitial sounds from 10’ away, read body temp changes real time, do lung dynamics by pt blowing into a tube…. Pop a full body xray…
@CoffeeBlackMD I knew I wasn’t the smartest and then I went to med school and met some ppl….O MY G. There are levels of intelligence and stratospheric levels. Like the dude in a class above us that the path prof told us, his only goal last year became to try and make David miss ONE question.
@AbudBakri I don’t get to see backside successes. In our little hospital, Most are going in due to some infection or CHF, COPD type c/o. Add in elderly, chronic dehydration, and metformin and thiamine seemed to make sense…
@AbudBakri Avoid lactic acidosis,support energy metabolism, cardiac function, and possibly reduce delirium or neuropathy. I’ve noticed he leaves it about 7/10
@AbudBakri@TakeWeightOffMD I pass on to a Hospitalist and usually put 100mg IV daily thiamine in the tuck in orders. So, they can or may not continue the orders at their whim. He caught me one day and says, dude, what’s up with the thiamine. I’m like, glad you asked.
@DocBottsNY@CoffeeBlackMD@aclong111 For sure! As an old mentor would tell me, “You were not trained to think within the box. Anyone can follow an algorithm” We are trained to be the one a box cannot contain, to be the ones who can float within and without the algorithms and most common causes.