Healthcare Education

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The Supreme Court voted yesterday to uphold the Individual Mandate in President Obama’s Health Care Reform Act.  Democrats rejoiced in the streets.  Republicans threatened to flee the country, but had second thoughts after learning every other developed nation offered universal healthcare.  Auto insurance companies were thrilled that the individual mandate for drivers to purchase car insurance was finally given the green light.  Scratch that last one.  Apparently there already is a requirement for drivers to purchase car insurance or face a hefty fine in most states.  Weird.

The recent news sparked debates throughout the country and cries of socialism hit the airwaves once more.   Senator Kelly Ayotte (R-NH) tweeted “By imposing coercive tax on Americans, healthcare law is an unprecedented federal overreach into our personal lives.” 

This reminded me of another federal overreach into our personal lives funded by American tax dollars – the education system.  That’s right, I said it.  Currently, the United States is the only developed nation that will pay for a child’s education, but not his cancer treatment.  I mean, really.  Why are we paying for this kid’s school?  Just imagine how much gooder the education system would be if it were run on a free-market platform much like healthcare is today…

COST:

All parents are responsible for paying for the primary education of their child.  The student’s tuition is based on a free-market, cost-effective model that ensures competition and affordability. 

A $20 co-pay is due before each lesson (this is not subject to the annual deductible which must be met in order for tuition to be covered at 80%).  Emergency study sessions will require a $100 access fee and may be subject to coinsurance.  All prescribed generic tests in the areas of English, math, history, and science will be subject to a $10 co-pay. 

There are plans that offer subsidies to low-income families that are unable to afford education for their children.  These plans are only accepted at select educational facilities and annual limits on learning do apply.

If you are unable to pay off your educational debt, you may join the ranks with the 850,000 other Americans who filed bankruptcy last year due to accumulated educational bills.

COVERAGE:

The free-market system allows the parent the freedom of choice when choosing which school to enroll his/her child in.  That is, of course, if the teachers at said school are covered under the preferred educator network of the student’s plan.  If the parent prefers to choose an out-of-network educator, tuition will be covered at 60% after the deductible is met.  Additional facility fees may apply.

Basic educational lessons to include writing, reading, and arithmetic are covered at 100%.  This is to ensure that the future generation will have just enough knowledge to purchase an educational policy when they have kids.

All electives (art, music, weight-training, wood shop, computers, home economics) are considered not educationally necessary and are not covered under most plans.  All sports, clubs, and other school activities are considered investigational methods of education and are not covered at this time.

The educational policy company has the right to deny coverage to any student with a pre-existing learning disability including ADD, dyslexia, sight/hearing impaired, class clown, etc.

CRITERIA

The government has no control over the educational institutions.  There is no national standard in place.  Instead, each teacher must reform his/her lesson plans to include only the amount of education covered by each student’s individual policy.  Steps must be taken to ensure that no student receives more knowledge than is allowable according to his/her plan.  In the event that the educational facility covers a topic that is not included in the student’s plan, expenses will be billed to the parent.

PAYMENT

Teachers will not be paid based on performance, but rather the number of tests they assign each student.  By assigning a colossal amount of exams, the teacher is thereby protected from any future lawsuits claiming negligence brought forth by the parents. 

Each educational policy company is contracted with different educational facilities and has its own payment schedule.  Contracts between the company and the institution will be reviewed every year to ensure that premiums increase indefinitely. 

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