The Medical Savings and Loan is able to serve people with chronic and pre-existing conditions.
Living with a chronic condition requires a great deal of planning and structuring one's life to minimize the effect of the condition. The Medical Savings and Loan is a program designed to help people with financial planning. A person with a pre-existing or chronic condition will need to put a higher percentage of their income toward their health than others. Using a combination of savings accounts and lending accounts, the MS&L is able to help these people plan their health spending in ways that maximize the return from this expense.
The policy holder with a chronic or pre-existing condition will spend time with a Health Care Advocate designing both the budget and treatment schedules to assure that the care is delivered in the most effective manner.
In many cases, the Health Care Advocate and patient will simply find that the correct path of treatment is simply beyond the policy holder's means of self financing the condition.
In that case, they are armed with the information they need to seek out charitable or public assistance.
The paradigm of the Medical Savings and Loan allows charitable and public agencies to render aid in the context of the patient's personal financial situation helping the charitable organizations optimize the effect of their giving.
The aid in the Medical Savings and Loan is properly recognized as assistance.
At first glance, government run care and insurance appear to do a better job at distributing aid. This distribution of aid is done through coercion or subterfuge. The coercion and subterfuge hide the underlying economic realities of the pre-existing and chronic condition. This intellectual deceit leads to both a less optimal use of resources and can lead to public resentment as when the populace starts feeling that they were misled by the intellectual dishonesty.
In practice, the Medical Savings and Loan will do a better job helping people people with chronic and pre-existing conditions adjust their lives to the condition than insurance or socialist medicine. The paradigm helps people optimize the return from their personal investment in health care resources, and it helps the public and charitable communities optimize the benefit of their giving.
The system cannot do the following: It can't make people have more resources than they have. Nor can the system make public or charitable communities have more resources than they have available.
Of course, no system can do that!
The inherent intellectual dishonesty of insurance and socialized medicine creates the comfortable illusion that we can deliver more by discarding physical reality. In practice, these systems based on intellectual dishonesty create systemic faults that cause a reduction in quality and effectiveness of care.
When discussing the Medical Savings and Loan, it is obvious that it cannot cover everything. The system simply creates a structure that optimizes the effects of one's personal resources and optimizes the effects of assistance.
Optimizing both ends of the health care equation means that we would be delivering better care for less.
The discussion of socialized medicine and insurance mask the reality of limited resources. It creates an illusion of a paradise, but in practice one finds that ignoring limits leads to poor use of resources which ends up meaning lower quality of care for more.