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New Idea To The Health Insurance Crisis In America

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Health Insurance - Lack of health insurance policy for over 41 million Americans is one of the nation’s most pressing problems. While most elderly Americans have blanketed through Medicare and essentially two-thirds of non-elderly Americans receive health insurance policy through employer-sponsored plans, many staff and their relatives remain uninsured because their organisation does not be glad about insurance plan or they can not afford the cost of Insurance. Medicaid and the State Little ones Health Insurance Program (SCHIP) or HAWK-I here in Iowa support fill in the gaps for low-income children and some of their parents, but the reach of these system faults is limited. As a result, millions of Americans without health insurance face unfavorable health take into account because of behind schedule or foregone health care and extending policy cover to the uninsured has turn out to be a national priority.

The number of people that are forced to go without health insurance is nothing less than a disaster in this country today. We have fallen into a vicious cycle over the last few decades in which health insurance charges have turn out to be too expensive for even a middle class household to afford. This in turn consequences in the inability of the uninsured to canopy medical attraction which often times consequences in the financial ruins of the Household, and in turn effects in the persevering with loss of cash by the medical community, which in turn drives the cost of medical charges More advantageous, finally biking back to the insurance company which then afford pressure the rates of health insurance more advantageous to aid canopy the rising cost of health care.

How to get Health Insurance care program 


Many proposals have been tossed around by politicians on each sides of the isle ranging from socializing health care comparable to the Canadian system, to endorsing health financial savings accounts and cracking down on frivolous law suits against the medical community. Many of these proposals have good points, but along with whatever good points they bring they also bring major downfalls. For instance; a socialized national health care program would remote places the need for health insurance all together and the cost would be taken on by taxes, which in theory doesn't seem like a horrible credit idea. Besides the fact that, the downfalls to this system regular a deficit in new medical professionals inclined to get into the field due to the inevitable decline in revenue while the call for would grow due to no personal responsibility. In short if people didn't have to worry about deductibles or copays that would usually keep the person from seeking medical remedy for minor things, they would easily go to the medical professional every time they had an ache or Ache. So now we have waiting lines for people with major health problems since all people is scheduling an appointment while at the same time we are loosing medical professionals due to lack of incentive.

Health Insurance Companies With Tax-Free and Savings Accounts


The existing combat cry by the republican Bush management is to push HSA's (Health Financial savings Accounts) which cut fill up by taking a less expensive high deductible health insurance plan with a tax deferred financial savings account that earns a small interest on the side that you contribute to along with your charges each month. Any money withdrawn from the financial savings account for certified medical attraction are taken "tax-free", and not like a flex spending account like many people are favourite with in corporation based plans, you don't lose the money you put into the account that you don't use. Almost if you never used any of that money in the financial savings account you could withdrawal or roll it over into an extra motor vehicle once you turn Sixty two 1/2 penalty free to be used for retirement. This is a feasible alternative for some people, but for many the charges for these plans are still too expensive, and the problem remains that if you need major cure in the first few years of the policy you will not have a big enough amount in the financial savings account to support canopy the gaps leaving that person accountable for for a large portion of the cost out of pocket.

Affordable Health Insurance Biggest Problems


Now we come to what I think is one of the biggest problems from a health insurance Retailers point of view, which is the inability for persons with pre-existing health stipulations to obtain Protection. From the number of people that contact my office searching for health insurance Blanketed, I would have to say that about half of them have a health condition that will either result in an insurance company declining that persons Software, or result in an modification rider which well-nigh excludes insurance for any claims connected to that condition. An example of a condition that I run across at all times is high blood pressure or high blood pressure. 

This condition will now and again result in a company declining an software all together if other elements are Worried, but most commonly result in an modification exclusion rider. You may feel that this isn't that big of a deal, after all, blood pressure medicine is about the only thing they would have to pay for out of pocket, but what many people don't realize is that this rider will exclude SOMETHING that could be considered part of this condition such as heart Assaults, strokes, and aneurisms which would all result in a huge out of pocket claim. 

Health Coverage Surgical Treatment


Consider the fact that my father had a double by-pass surgical treatment looking on that ended up with a final invoice of around $150,000. This whole amount would have had to come out of pocket had he had a high blood pressure rider on his health insurance policy, not to point out the introduced cost of 2 months off of work thrown into the mix. On a modest cash of $40,000 per year this would have ruined him financially.

So what how do we fix this problem? Surely the proposals thus far have been mistaken from the beginning, and even if one of these plans won support from the American people options are it would never be passed into law easily due to political infighting. One side wants to keep health care privatized while the other wants to socialize it, which as we discussed before each have upsides and downsides. It seems that we are doomed on this issue and there is no real concepts or light at the of the tunnel right? Maybe not, let me tell you about a consumer I had in my office a couple of years ago.

A young woman came in wanting to compare health insurance plans to see if there were any alternatives for her and her Household. She had several children and had been on Name 19 Medicaid and had been going to college paid by the state. She had looking on graduated from college and had gotten a job with the local school system, youngsters for whatever reason she was not eligible for health insurance Advantages. For sturdiness she still couldn't afford 5 or 6 hundred bucks per month for a plan so she went back to the intention office and defined her situation. They ended up working with us to find an acceptable private health insurance plan and reimbursed her for a percentage of the cost which I didn't even know was possible!

Health Insurance Marketplace Knowledge Before Choosing


This got me thinking, consider how many more people would be able to obtain insurance policy if they could be reimbursed by the government a percentage of the top rate according to their Earnings. For example; take a young married couple in their 20's with one child, let's say that their household salary is $25,000 and that the standard top rate for a $500 deductible health insurance plan for them is $450. Just as an example let's say that the government desperate that a three person family unit with an annual salary of $25,000 is reimbursed 50% of their top rate taking the exact cost to the household to $225 per month. This is now an competitively priced enough fill up for the loved ones to consider.

With this merging of private insurance with government assistance we get the foremost of each worlds. Of course the subsequent question goes to cost, how much more would this cost the American tax payer and how much would this raise taxes? I don't feel that it would cost the tax payers much more an here's why I believe that: 

Health Care Insurance Policy Cover by the Government


First off we would bring down significantly the amount of uninsured people that are unable to pay for the medical care they get in turn driving down the total cost of health care. Secondly the number of people that are forced into economic ruin and pushed to Medicaid Name 19 assistance due to medical chicken stemming from catastrophic medical stipulations that don't have health insurance policy cover would be significantly Lowered. This is important to keep in mind simply because that once anybody is on Medicaid they are receiving health care virtually 100% covered by the government so there is no more incentive to not are searching for cure for minor or non-existing Stipulations. 

On the turn side many condominium that would have not been stuck before they became severe because a person didn't are looking for remedy due to not having insurance policy cover would now be stuck before they turned into a catastrophic claim. Finally, if the government allotted a certain amount of money to aid canopy claims by people that have pre-existing stipulations the private insurance corporations could do away with exclusions and declines due to already existing health problems, this is already done is some states such as the HIPIOWA Iowa Comprehensive Plans which insures Iowa citizens that can not obtain policy cover elsewhere.

You may be sitting there thinking that this is all just wishful thinking and that these principles could never be Carried out, but all of these concepts are already being Carried out. The problem is that only some states do some packages and not even most health insurance marketers know that some low revenue spouse and children can get reimbursed for health insurance Rates. If these glitches were all standardized and put into effect on a national well publicized level I accept as true with it would put one hell of a dent in the uninsured inhabitants in this country. Now I don't collapse to know what the compensation accountable for should be for what revenue stages but I do know that whatever is better than nothing, and in my opinion this is the ideal middle floor we could find. The Democrats would be happy with the socialized points of the Compensation, and the republicans should be happy that health care remains privatized giving this solution a better chance at a by-partisan backing.

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Cheap Health Insurance With New Concept


I have faxed this idea to several senators and congressmen but normally bought the same type of standard reaction about how they are concerned with health care and that they are working hard to find a solution realizing full well that no one really even read my letters. The only way to get these principles out into the public is for you that read this to pass it on to others by word of mouth, by email, or by linking your online pages to this Website. 

Read the interesting article : Living a Healthy Life and how to start healthy care

If enough buzz is created than these concepts would get the Health Insurance consideration that they deserve, and if enough people like you and I demanded that a solution be found than straight away enough stress can be placed on the politicians to get anything done. The number of uninsured Americans is only going to go up, the cost of health care is only going to go up, and the cost of health insurance charges are only going to go up if whatever thing isn't done now! Except then the only thing that I as a health insurance agent can do is to compare all of the alternate options out there and present you with the lesser of all of the evils, which in too many situations the choice that is selected is the biggest evil of going without Policy cover.

New Idea To The Health Insurance Crisis In America Reviewed by WikiHook on 8:31:00 PM Rating: 5

1 comment:

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