Thursday, December 13, 2007

Health Insurance

Annika Kincade
Medical Advisor

Due to the probable illnesses, it has become apparent that Blueberry Bluff residents are in need of health insurance. Without health insurance, hospital bills can be rather expensive. For families that are just starting out, it might be down right impossible to pay for necessary medical care. I have proposed a plan of action to the City Council, in order to ensure that every resident of Blueberry Bluff will be able to afford medical care for their families. This health insurance plan was first put into action by Dr. Maya Sheffield of Harper's Cove.

Here is the plan that the Council agreed upon:

A family will have health insurance by paying $70 per period per adult and $30 per period per child. A child is considered to be under the age of 18. In addition to this monthly fee, there will be a deductible that must be met each period (7 simdays) before the insurance will cover the services. This deductible is $500 per family, not per person. Once you have paid your $500 deductible, the rest of your medical care for that period is paid for by your insurance company in total. There will also be a copay of $30 for general doctor visits. This copay is due whether you have met your deductible or not, and whether you have to stay in the hospital or not.

In addition, residents pay the medical insurance to the City Council, and the City Council pays the remainder of their medical bills (minus deductible and copays) to the Doctor who performs the services.

For example:
John and Jane Doe have paid $140 during period 1 in order to have health insurance (that's $70 each). Jane goes into the hospital to have a baby. The hospital bill for her stay and labor and delivery equals $1,000. John and Jane pay $500 (the deductible), and their insurance covers the remaining $500. During that same period, John comes down with a mysterious illness and goes to the doctor, who then sends him to spend 2 days in the hospital. John pays a $30 copay to the doctor, but owes nothing for the hospital stay because the Doe's have already met their $500 deductible for the period.

I am confident that this plan will greatly benefit Blueberry Bluff and its residents, as it has other communities. It will help obtain the health care that they need without sending our residents in debt. If you have any questions about this new policy, please contact me at, Attn: Annika Kincade.

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