{"product_id":"americas-health-care-crisis-solved-isbn-9780470275726","title":"America's Health Care Crisis Solved","description":"\u003ci\u003eAmerica’s Health Care Crisis Solved\u003c\/i\u003e highlights the major pitfalls of our current health care system and shows why, without changes, health care costs will soon demolish the American economy as well as the opportunity to receive quality care. However, contrary to the increasingly popular idea of a government health plan, the alternative presented by authors J. Patrick Rooney and Dan Perrin brings the self-interest of you, the American consumer, into the equation. \u003cp\u003ePreface xiii\u003c\/p\u003e \u003cp\u003eIntroduction xvii\u003c\/p\u003e \u003cp\u003e\u003cb\u003ePART 1 REALITIES\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 1 No Money, No Health Care 3\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eWho Can Afford to Get Sick? 3\u003c\/p\u003e \u003cp\u003eA Helicopter View of Health Care Financing 4\u003c\/p\u003e \u003cp\u003eThe Good Bad News 5\u003c\/p\u003e \u003cp\u003eNo More Business as Usual 6\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 2 Why the Money’s Running Out 9\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eNo Room at the Inn 9\u003c\/p\u003e \u003cp\u003eStandard Operating Procedure 10\u003c\/p\u003e \u003cp\u003eThe Motive Is Profit 11\u003c\/p\u003e \u003cp\u003eThe Problem Is Greed 12\u003c\/p\u003e \u003cp\u003eOn the Front Lines with Nora Johnson 13\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 3 A New Scarlet Letter 21\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eA Lady in Red 21\u003c\/p\u003e \u003cp\u003eWho Are the Uninsured? 22\u003c\/p\u003e \u003cp\u003eThe Danger of Secondhand Smoke 23\u003c\/p\u003e \u003cp\u003eInjustice for All 23\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 4 Why Nationalized Health Care Is No Cure-All 27\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eThe HMO Idea 27\u003c\/p\u003e \u003cp\u003eAn Idea Rejected 28\u003c\/p\u003e \u003cp\u003ePhoenix Rising? 28\u003c\/p\u003e \u003cp\u003eHillaryCare II 29\u003c\/p\u003e \u003cp\u003eO Canada 33\u003c\/p\u003e \u003cp\u003eThe Cost of Inefficiency 35\u003c\/p\u003e \u003cp\u003eGod Save the Queen 36\u003c\/p\u003e \u003cp\u003eLook No Further 37\u003c\/p\u003e \u003cp\u003eNew York, New York 37\u003c\/p\u003e \u003cp\u003eFlorida, Here We Come 38\u003c\/p\u003e \u003cp\u003eThe Evidence Speaks 39\u003c\/p\u003e \u003cp\u003e\u003cb\u003ePART II STRATEGIES\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 5 Fair Care 43\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eThree Keys to Make Fair Care Work 45\u003c\/p\u003e \u003cp\u003eCongressional Action 47\u003c\/p\u003e \u003cp\u003eTwo Crucial Points on Fair Care 48\u003c\/p\u003e \u003cp\u003eFair Care Effect on Employers 48\u003c\/p\u003e \u003cp\u003eFair Care Effect on Employees 48\u003c\/p\u003e \u003cp\u003eThe State of the Union Proposal 48\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 6 Give Seniors What They Want (and Save Money Doing It): An Innovative Approach to Medicare 51\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003ePart D of Medicare: Prescription Drugs for Seniors 52\u003c\/p\u003e \u003cp\u003eThe Future of Medicare 53\u003c\/p\u003e \u003cp\u003eDefining the Terms 53\u003c\/p\u003e \u003cp\u003eDrug Money 54\u003c\/p\u003e \u003cp\u003eAn Unfunded Mandate 55\u003c\/p\u003e \u003cp\u003eA Bureaucratic Snafu 55\u003c\/p\u003e \u003cp\u003eCost Comparison 56\u003c\/p\u003e \u003cp\u003eSaving the U.S. Treasury Money 59\u003c\/p\u003e \u003cp\u003eHow Much Could Our Country Save? 60\u003c\/p\u003e \u003cp\u003eGive Seniors What They Want 61\u003c\/p\u003e \u003cp\u003eToo Good to Be True? 61\u003c\/p\u003e \u003cp\u003eHow Much Money in Each Senior’s Hands? 62\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 7 Give Control to Consumers through HSAs 65\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eBack to the Future 65\u003c\/p\u003e \u003cp\u003eOne Experience 66\u003c\/p\u003e \u003cp\u003eHSAs Today 67\u003c\/p\u003e \u003cp\u003eA Quick Overview 67\u003c\/p\u003e \u003cp\u003eHealth Care Freedom 69\u003c\/p\u003e \u003cp\u003eA Dollar-for-Dollar Comparison 70\u003c\/p\u003e \u003cp\u003eThe Best Interest of the Consumer 70\u003c\/p\u003e \u003cp\u003eAn IRA on Steroids 72\u003c\/p\u003e \u003cp\u003eThe Truth Be Told 73\u003c\/p\u003e \u003cp\u003eA Word about Family Deductibles 76\u003c\/p\u003e \u003cp\u003eRepublicans versus Democrats 76\u003c\/p\u003e \u003cp\u003eA Legitimate HSA Weakness 79\u003c\/p\u003e \u003cp\u003eThree Mistakes Employers Make 79\u003c\/p\u003e \u003cp\u003eA Response to Mr. Rangel 81\u003c\/p\u003e \u003cp\u003eWhat Does the Evidence Say? 82\u003c\/p\u003e \u003cp\u003eA Side Note 83\u003c\/p\u003e \u003cp\u003eWhat Congress Still Needs to Do 83\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 8 Establish Fair Medical Prices 87\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eWhich Price Tag? 87\u003c\/p\u003e \u003cp\u003eWhat’s a Reasonable Price? 89\u003c\/p\u003e \u003cp\u003eWhat Can We Conclude? 91\u003c\/p\u003e \u003cp\u003eHow to Defend Yourself against Hospital Harassment 91\u003c\/p\u003e \u003cp\u003eWhat’s a UB-04 or a UB-92? 95\u003c\/p\u003e \u003cp\u003eWhere to Get the Medicare Information 96\u003c\/p\u003e \u003cp\u003eNow You’re a Royal Pain 97\u003c\/p\u003e \u003cp\u003eSounds Good, But Does It Work? 98\u003c\/p\u003e \u003cp\u003eDo You Need a Lawyer? 99\u003c\/p\u003e \u003cp\u003eThe Key to Health Care Reform 99\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 9 Make Medical Prices Transparent: An Innovative Approach to Pricing Health Care 101\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eBetween a Rock and a Hard Place 101\u003c\/p\u003e \u003cp\u003eWhy Not Be Honest? 102\u003c\/p\u003e \u003cp\u003eCost Reporting 102\u003c\/p\u003e \u003cp\u003eTruth Detector 103\u003c\/p\u003e \u003cp\u003eDo Hospitals Lose Money on the Uninsured? 103\u003c\/p\u003e \u003cp\u003eWho’s Losing Money? 104\u003c\/p\u003e \u003cp\u003eAre We Really Too Dumb to Understand? 104\u003c\/p\u003e \u003cp\u003eWhat Needs to Change 105\u003c\/p\u003e \u003cp\u003eLegislation Now Pending 106\u003c\/p\u003e \u003cp\u003eMedicare Starts to Move 107\u003c\/p\u003e \u003cp\u003eAnd Not Just the Hospitals 107\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 10 Build Risk Pools: An Innovative Approach to Individual Health Insurance 109\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eNew York State of Mind 109\u003c\/p\u003e \u003cp\u003eNo Picnic in the Garden State 110\u003c\/p\u003e \u003cp\u003eFerrari Pricing 113\u003c\/p\u003e \u003cp\u003eOne Way to Cope 114\u003c\/p\u003e \u003cp\u003eCompassion versus Common Sense 114\u003c\/p\u003e \u003cp\u003eCasting the Net 115\u003c\/p\u003e \u003cp\u003eDouble Incentive 115\u003c\/p\u003e \u003cp\u003eThe Problem for Small Businesses 117\u003c\/p\u003e \u003cp\u003eA Future Answer for Small Businesses 117\u003c\/p\u003e \u003cp\u003eA More Immediate Answer 118\u003c\/p\u003e \u003cp\u003eList Bill 118\u003c\/p\u003e \u003cp\u003eThe Rest of the Story 119\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 11 Build a National Marketplace: An Innovative Approach to Individual Health Insurance 121\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eDo You eBay? 122\u003c\/p\u003e \u003cp\u003eNothing Matters More 122\u003c\/p\u003e \u003cp\u003eRoadblocks to Freedom 123\u003c\/p\u003e \u003cp\u003eHealth Care Choice Act 124\u003c\/p\u003e \u003cp\u003eNot in My Backyard 124\u003c\/p\u003e \u003cp\u003eAn Idea for the People 125\u003c\/p\u003e \u003cp\u003eLet’s Get It Done 125\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 12 Make Basic Health Care Cheaper and More Convenient: An Innovative \u003c\/b\u003e\u003cb\u003eApproach to Health Care Delivery 127\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eWhat Is a Quick Care Clinic? 128\u003c\/p\u003e \u003cp\u003eThe Customer Is King 129\u003c\/p\u003e \u003cp\u003eCalling Dr. Nurse 129\u003c\/p\u003e \u003cp\u003e“You’ve Got Care” 130\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 13 Do It Right the First Time: An Innovative Approach to Wellness 131\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eDr. Paul Ellwood 131\u003c\/p\u003e \u003cp\u003eThe Right Goal 132\u003c\/p\u003e \u003cp\u003eThe Right Kind of Competition 132\u003c\/p\u003e \u003cp\u003eIt Is Your Health 133\u003c\/p\u003e \u003cp\u003eLose the Gatekeepers 133\u003c\/p\u003e \u003cp\u003eGet Well Soon 134\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 14 Wrapping It All Up 135\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eAppendix A Public Testimony of Dr. Gerard Anderson 137\u003c\/p\u003e \u003cp\u003eAppendix B Memorandum of Case Law Precedents Showing Hospitals Can Charge Only Reasonable Prices 151\u003c\/p\u003e \u003cp\u003eAppendix C An Example of a Legal Complaint against a Hospital for Unreasonable Charges 155\u003c\/p\u003e \u003cp\u003eAppendix D Executive Order: Promoting Quality and Efficient Health Care in Federal Government-Administered or -Sponsored Health Care Programs 169\u003c\/p\u003e \u003cp\u003eAppendix E S.173, Medicare Savings Account Legislation Introduced by U.S. Senator Inhofe (R-OK) and U.S. Senator DeMint (R-SC) 173\u003c\/p\u003e \u003cp\u003eAppendix F The Common Sense Guide to Health Savings Accounts by Roy Ramthun 179\u003c\/p\u003e \u003cp\u003eNotes 227\u003c\/p\u003e \u003cp\u003eIndex 237\u003c\/p\u003e \"A welcome addition to the literature. Unlike many books written on health care these days, this one provides concrete assistance to real consumers. Pat Rooney and Dan Perrin should be congratulated for taking us to the next level of patient empowerment.\"--\u003ci\u003eConsumers for Health Care Choices\u003c\/i\u003e \u003cp\u003eDan Perrin is the author of HSA Road Rules, known as the bible of the HSA industry by bankers and insurers. He is President of the HSA Coalition and is widely acknowledged to have been a key player in the passage of every piece of HSA legislation that has made its way through Congress and been signed into law by the President in the last decade. Perrin is one of the nation's top HSA experts and has been quoted on the subject in every major newspaper in the United States.\u003c\/p\u003e   \u003cp\u003eIt's no secret that the health care system in the United States has spiraled so far out of control that many within the country cannot afford the cost. The fact is, health care is all about money—how much we spend, where the money comes from, and who controls it.\u003c\/p\u003e \u003cp\u003eNobody understands the challenges this situation presents better than J. Patrick Rooney, former chairman and CEO of Golden Rule Insurance Company, and Dan Perrin, one of the nation's top Health Savings Accounts experts. For nearly two decades, they have worked to inject key market-based solutions into a health care system that has been increasingly supported by government financing, which doesn't seem to be improving the situation. Now, with America's Health Care Crisis Solved, Rooney and Perrin reveal a sensible solution to the difficult dilemma of how to get care for everyone at reasonable costs.\u003c\/p\u003e \u003cp\u003eEngaging and informative, this book highlights the major pitfalls of our current health care system and shows why, without changes, health care costs will soon demolish the American economy as well as the opportunity to receive quality care. However, contrary to the increasingly popular idea of a government health plan, the alternative presented by Rooney and Perrin brings the self-interest of you, the American consumer, into the equation.\u003c\/p\u003e \u003cp\u003eRooney and Perrin succinctly explain their innovative plan for reducing the cost of health care—which includes an approach known as Fair Care—and examine how this system will put our government in a better position to effectively finance the health care process. Topics covered include:\u003c\/p\u003e \u003cul\u003e \u003cli\u003e \u003cp\u003eAn in-depth look at the essential elements of Fair Care health financing\u003c\/p\u003e \u003c\/li\u003e \u003cli\u003e \u003cp\u003eWhy Health Savings Accounts (HSAs), one of the most effective devices for controlling health care spending, work\u003c\/p\u003e \u003c\/li\u003e \u003cli\u003e \u003cp\u003eHow hospital prices are driving health care inflation in the United States\u003c\/p\u003e \u003c\/li\u003e \u003cli\u003e \u003cp\u003eHow the uninsured can defend themselves from excessive charges\u003c\/p\u003e \u003c\/li\u003e \u003cli\u003e \u003cp\u003eWhat it takes to create a national marketplace for health insurance\u003c\/p\u003e \u003c\/li\u003e \u003cli\u003e \u003cp\u003eA new phenomenon known as quick care clinics, which enable people to get essential medical care without the high price of emergency rooms\u003c\/p\u003e \u003c\/li\u003e \u003cli\u003e \u003cp\u003eAnd much more\u003c\/p\u003e \u003c\/li\u003e \u003c\/ul\u003e \u003cp\u003eIn the coming years, various financial and political factors will shape the way the American health care system is reformed. Taking the time to understand these issues today can help you as a health care consumer tomorrow. Read America's Health Care Crisis Solved, and discover the practical solutions that can change this system—and your life—for the better.\u003c\/p\u003e \u003cp\u003eVisit us at www.healthcarecrisissolved.com\u003c\/p\u003e \u003cp\u003eJ. Patrick Rooney is recognized as the pioneer of Medical Savings Accounts—now known as Health Savings Accounts—and is the former CEO of Golden Rule Insurance Company for over two decades, building the organization into the largest insurer of individual health insurance policies in the country. Even Paul Elwood, the father of managed care, has acknowledged Rooney's influence, telling Rooney, \"we are in the age of the rise of Health Savings Accounts.\"\u003c\/p\u003e  \u003cp\u003ePraise for America's Health Care Crisis Solved\u003c\/p\u003e \u003cp\u003e\"All Presidential candidates—as well as everyone else—must read this insightful book. Rooney and Perrin brilliantly show how the health care crisis can be positively solved in a way that will give the best of all worlds—more health care at less cost.\"\u003cbr\u003e —Steve Forbes, Chairman \u0026amp; CEO, Forbes\u003c\/p\u003e \u003cp\u003e\"Pat Rooney is the man who came up with the concept of Health Savings Accounts as a way to cut medical costs, give power to medical consumers, and provide health coverage to rich and poor alike without either bankrupting the nation, ruining the best health care available anywhere in the world, or forcing providers and patients alike to dance to the tune of bureaucrats with little empathy for either. This book analyzes the health care 'crisis' so much on the lips of politicians these days and provides a solution that reasonable people should ponder as they work their way through the overheated and often wrong-headed solutions advanced by leading politicians of both parties.\"\u003cbr\u003e —David A. Keene, Chairman, The American Conservative Union\u003c\/p\u003e \u003cp\u003e\"Rooney and Perrin have changed the course of health care in the United States, and they did it by bringing Americans the best tax break in the code: tax-free deposits, tax-free withdrawals, and tax-free interest—in the form of Health Savings Accounts. Anyone who is going to be involved in the second great health care debate (the first being HillaryCare) should read this very readable book.\"\u003cbr\u003e —Grover Norquist, President, Americans for Tax Reform\u003c\/p\u003e \u003cp\u003e\"J. Patrick Rooney and Dan Perrin know that much of what we call the health care 'crisis' would go away if we transferred direct control over the flow of health care dollars from big institutions to individuals and families. How? Enact a refundable health care tax credit for every American; introduce medical savings accounts into Medicare; and make health care prices, especially in hospitals, transparent. An excellent, hands-on guide for consumers and voters, this book comes just in time for the 2008 Presidential elections.\"\u003cbr\u003e —Edwin J. Feulner, PhD, President, The Heritage Foundation\u003c\/p\u003e  \u003ci\u003e\"America’s Health Care Crisis Solved\u003c\/i\u003e is far and away the smartest solution yet offered to America’s number one domestic policy problem, the runaway cost of health care. The book’s genius is that it offers ideas so sensible and fair. It’s mandatory reading for those who believe that every American should have the health care they need, when they need it, at a price they can afford. Where others whine about problems, Rooney and Perrin offer a real solution.\"--Dean Clancy, former White House OMB official, who oversaw nearly $1 trillion in annual government health care expenditures  \u003cp\u003e\"It has been an open secret inside the Washington DC beltway that Rooney and Perrin have been working hand and glove to change health care policy for the last 20 years. They succeeded where some very smart and powerful people have failed. Whether you are a GOP or Democratic or independent voter, this book will help you to understand, in detail, the coming health care debate.\"--Scott W. Reed, Republican Strategist and Former Presidential Campaign Manager for Bob Dole\u003c\/p\u003e \u003cp\u003e\"Pat Rooney and Dan Perrin have already significantly changed the course of health care in the United States through Health Savings Accounts that put consumers and their physicians back in charge of their health care. \u003ci\u003eAmerica’s Health Care Crisis Solved\u003c\/i\u003e is a must-read book, regardless of whether you are a Republican, Democrat, or Independent. This important book explains health care policy problems and reform in language that everyone can understand. It will provide insight into the coming health care debate leading up to the next Presidential election, and more importantly, in Congress after theelection.\"--\u0026gt;Roy Ramthun, formerly the senior health policy advisor to President George W. Bush regarding health care issues, and Senior Advisor to the Secretary of the U.S. Treasury for health initiatives\u003c\/p\u003e \u003cp\u003e\"Rooney and Perrin have written a first-rate, easily-readable book on the current health care crisis and provide a rational solution that does not bust the Treasury (or increase current spending!)--but they have even topped their own policy prescriptions with a commonsense set of tips to survive the crisis during the time it will take for our timid politicians to screw up the courage to adopt their conclusions.\"--Dr. Donald J. Devine, former director, Office of Personnel Management (the U.S. civil service), 1981-1985\u003c\/p\u003e \u003cp\u003eAnother major effort to reform the U.S. health care system is in the political wind, and we can only hope that those who want to make educated decisions about the ways to change the system will read this book. Rooney and Perrin reccomend changes with an eye towards reinvigorating personal initiative instead of constantly watering the entitlement tree. They just may save the system for our grandchildren before the baby boomers spend it all on themselves. --J. Kevin A. McKechnie\u003cbr\u003e Staff Director, The HSA Council, part of the American Bankers Association\u003c\/p\u003e \u003cp\u003e\"Rooney and Perrin have accurately predicted every major trend in healthcare over the last several decades. In \u003ci\u003eAmerica's Healthcare Crisis Solved\u003c\/i\u003e they do it again by attacking the healthcare problem with innovative solutions. It should be on the desk of every policymaker, and is a must-read for anyone interested in addressing the problems in America’s healthcare system.\"--Ed Corrigan\u003cbr\u003e Executive Director, United States Senate Steering Committee\u003c\/p\u003e","brand":"Wiley","offers":[{"title":"Default Title","offer_id":47988717715685,"sku":"NP9780470275726","price":29.95,"currency_code":"USD","in_stock":false}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/1842\/7735\/files\/9780470275726.jpg?v=1761781314","url":"https:\/\/k12savings.com\/es\/products\/americas-health-care-crisis-solved-isbn-9780470275726","provider":"K12savings","version":"1.0","type":"link"}