NEVER TOLERATE TYRANNY!....Conservative voices from the GRASSROOTS.

...a MAJOR solution - Should cover: Illness, Accident AND Old Age

EXPLANATION OF BENEFITS:

This is MAJOR MEDICAL INSURANCE for CATASTROPHIC illness (High Deductible) This insurance assumes the person(s) to be insured start in good health, with no condition that existed previously....THIS IS AN AUTOMATIC COST CONTROL. Insurance secures the uncertainties of the FUTURE, not sicknesses that are already present. To pay for a medical mis-fortune that already exists is not Insurance. It is CHARITY. And We, as a prosperous, capitalistic Nation have always been unquestionably charitable, with no need for government to force us to do what is right by our most needy citizens. In fact, it is government interference in all matters of conscience that has perverted our charitable endeavors. People who are truly needy, and suffering from a pre-existing, un-insurable illness will always be cared for, privately, by a truly compassionate, CHRISTIAN people...no government allowed.

The deductible is HIGH, because the probability of a newly insured person becoming ill, with a catastrophic illness, is LOW. The premiums would be affordable to all, based on that assumption. The Plan can never be cancelled or the benefits modified by the insurer, only by the insured, because it is silent on that point. It is portable because it covers the Insured Person(s) individually, no matter their employment status. It is universal, covering "anywhere on the Planet". All payments for medical expenses are made directly to the insured, who has the sole right to assign benefits to the healthcare providers. All newly born children of insured person(s) would be covered from the moment of conception, disregarding any Genetic or Pre-Natal considerations. Parents with pre-existing conditions, though not qualified for this Insurance, or Qualified Parents, have the absolute statutory right to purchase this Insurance for their children, born or yet to be born, with no Medical Underwriting.

ACCIDENTAL INJURIES are covered as they occur, with a lower deductible, because accidental injury is a purely fortuitous, unforseen event, and the proper way to insure the chance of a loss, as in fire insurance, auto insurance, and any other unforeseen casualty. There will be a surcharge on premiums for people in hazardous occupations or avocations such as test-pilots, football players, etc.

The Face Amount of the policy is selected by the person(s) to be insured, optionaly beginning at One Million Dollars. Premiums are calculated at base rates on $1,000,000.00 coverage. As the face amount purchased increases, the premium is factored upwards because of the increase in risk, but diminishing at higher amounts because the overall probability of having a Ten Million dollar loss is less than a Five Million, Four million, Three Million, Two million or One Million dollar loss.

The Deductible for Disease is 1% of whatever face amount the insured person(s) selects. This is a diminishing deductible which decreases 1/100th percent of the face amount per year, regardless of the number of illnesses the insured person has in his/her lifetime, until it vanishes at age 100. Provisions for continuity of coverage of insured person(s)’ dependent children is guaranteed.

The Deductible for Accidental Injuries is constant at 1/100th of one percent of the face amount, per accidental injury, regardless of when the injury occurs.

The Loss-Free Paid Premium Credit is, by definition, a Health Savings Account (HSA), which matures at compounded interest at the Insured Person(s) attained age of 60 years old. Alternatively, it is also a regular simple-interest savings plan if redeemed at any time before the insured person(s)’ attained age of 60, with full non-taxable withdrawal privileges in either instance.

NOTE - Insured person(s) shall lose any of the foregoing benefits they have accrued if they ever submit or surrender their Freedom to Choose to any Government-run Health insurance scheme.

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THIS IS ESSENTIALY HOW HEALTH INSURANCE WAS PRIOR TO 1965, WHEN A LIBERAL CONGRESS "FUNDAMENTALY CHANGED" HEALTH INSURANCE WITH THE ENACTMENT OF MEDICARE AND MEDICAID, IN 1965, ( http://tpartyus2010.ning.com/profiles/blogs/once-upon-a-time-in-ame... ) REMOVING MILLIONS OF PREMIUM-PAYING CITIZENS FROM THE FREE MARKET. SO MUCH FOR "CHANGE". THIS WAS LBJ'S "GREAT SOCIETY"...WHICH ALSO PUNISHED THIS NATION WITH A NO-WIN STRATEGY IN VIET NAM. HISTORY REPEATING ITSELF.

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THIS PROPOSED SOLUTION TO THE FAKE HEALTH INSURANCE "CRISIS" SHOULD BE COPIED AND PRINTED, ALONG WITH THE

"Declaration of the INDEPENDENTS" ,

and used in any confrontation with Left-Wing, dogmatic control freaks

who attempt to intimidate you with their Marxist Bull-Crap!!

Brought to you in Layman’s language