The number of people who are forced to go without health insurance is nothing less than a crisis in this country today . We have fallen into a vicious circle in recent decades in which insurance premiums have become too expensive for even a middle class family to afford . This in turn results in the inability of the uninsured to cover medical expenses that often result in the financial ruin of the family, and in turn results in the continuing loss of income by the medical community , leading to turn the cost of higher medical costs , and finally the motorcycle insurance company must then increased to help cover the rising cost of premiums for health care insurance lead health.
Many proposals have been tossed around by politicians on both sides of the island of the socialization of care comparable to the Canadian health system , approving health savings accounts and cracking down on frivolous lawsuits against the medical community. Many of these proposals have good points, but with everything that makes many points that also bring significant falls . For example , a program for the socialized national health care would eliminate the need for all the items and expenses are borne by Medicare taxes , which in theory does not seem like a bad idea. However, falls in this system include a deficit in new doctors willing to enter the field because of the inevitable decline in income, while demand will increase due to the lack of personal responsibility. In short, if people do not have to worry about deductibles or copayments that normally keep the person to be treated for minor things , they would simply go to the doctor every time they had pain or pain. So now we have lines for people with health problems pending since everyone is an appointment at a time that we are losing doctors due to lack of motivation.
The current battle cry by the republican Bush administration is pushing ( health savings accounts ) HSA that reduces the premium by taking a high deductible plan cheaper insurance with tax deferred savings account earn some interest on the side helps you along with your premiums each month. Any amount withdrawn from savings account for qualified medical expenses are taken "duty" and , unlike a flexible spending account like many people are familiar with the plans of the company , based on the money you invested is lost into account unused . Basically, if you have never used some of the money in the savings account you could withdrawal or roll over another vehicle once you turn 62 1/2 penalty free to be used for retirement. This is a viable option for some people, but for many the premiums for these plans are still too expensive, and the problem is that if you need an important treatment in the early years of the policy will not have a large enough amount on savings account to help cover the gaps left by the person responsible for a lot of the cost out of pocket.
Now we come to what I think is one of the biggest problems from the perspective of a health insurance agent , which is the inability of people with preexisting health coverage. Based on the number of people that contact my office searching for health insurance coverage , I must say that almost half of them have a health condition that is reaching a company seeking lower insurance of persons or cause an amendment rider which basically excludes coverage for any claims related to this condition. An example of a condition that I encounter constantly is hypertension or high blood pressure . This condition will sometimes result in a decrease in an enterprise application all together if other factors are involved , but most of the results are usually a rider excluding modification. You maybe is not as big of a deal , after all, I believe, the blood pressure medicine is the only thing they have to pay out of pocket , but what many people do not realize no, this amendment excludes nothing it can be considered as part of this condition, including heart attacks , strokes and aneurysms that all the results in a great demand in the pocket. Consider the fact that my father had a double bypass recently ended with a final bill of about $ 150,000. This total should have been out of his pocket he had a hypertension rider on your insurance policy , not to mention the additional cost of 2 months off of work thrown into the mix . In a modest income of $ 40,000 per year would have ruined financially.
So what , how can we solve this problem? Obviously , the proposals to date have been flawed from the beginning, and even if one of these plans gained support from the American people is more likely than ever became law simply due to political disputes. One side wants health care privatized while the other wants to socialize, which, as we have both positive and negative . It seems we are doomed to this and no real ideas or light tunnel right ? Maybe not, let me tell you about a client I had in my office a few years ago.
A young woman came in wanting to compare health insurance plans to see if there was any option for her and her family. She had several children and had been on Title 19 Medicaid and was going to college paid by the State . She had recently graduated from college and got a job with the local school system , but for some reason she was not eligible for Medicare. Obviously , I still could not afford 5 or 6 hundred dollars per month for a plan that she returned to the office for help and explained the situation . They ended up working with us to find a private insurance plan acceptable health and reimbursement of a percentage of the cost that I did not even know that was possible!
It made me think , consider how much more people would be able to get coverage if they could be reimbursed by the government a percentage of the premium based on their income. For example, take a young couple in their 20s with one child , say their family income is $ 25,000 and the average premium for a $ 500 deductible for your health insurance plan is $ 450. For example, say that the government has determined that a family of three with an annual income of $ 25,000 50 % of the premium is reimbursed by taking the cost of $ 225 per month royal family. Now it is affordable enough for the family to consider premium.
With the merging of private insurance with government assistance we have the best of both worlds. Of course , the next question is going to cost , how much it would cost to American taxpayers and how much would be the tax increases ? I do not think it would cost taxpayers more, here is what I think : First we would like to significantly reduce the number of uninsured who can not afford health care they receive in turn reducing the total cost of healthcare. Second, the number of people who are forced into bankruptcy and driven to Medicaid Title 19 assistance due to medical expenses resulting from catastrophic medical conditions that do not have health insurance coverage is significantly reduced. It is important to note considering that once someone is on Medicaid they are receiving health care basically 100 % covered by the government so there is more incentive to seek treatment for minor ailments or non - existent. Numerous setbacks that conditions were not caught before they become serious , because a person does not receive medical care due to not having insurance coverage will be before turning into a catastrophic claim. Finally , if the government has allocated a sum of money to help claims coverage for people who have pre - existing private insurance companies could do away with exclusions and down problems existing health , what is done is that some states such as Iowa HIPIOWA comprehensive plans which guarantees Iowans who can not get coverage elsewhere.
You may be sitting there thinking that this is all an illusion and that these ideas could never be implemented , but these ideas are already being implemented . The problem is that only some states do some programs and not even most health insurance agents know that some low-income families can obtain reimbursement of insurance premiums . If these programs were standardized and implemented a highly publicized nationwide think it would be a hell of a dent in the uninsured population in this country. Now I do not pretend to know what the reimbursement levels should be as income levels , but I know that something is better than nothing , and in my opinion this is the best spot we could find. Democrats happily socialized aspect of redemption , and the Republicans should be happy that health care remains privatized giving a better chance of a medium favored this solution.
I faxed this idea to several senators and congressmen but always received the same type of standard response about how they are concerned about the health care and work hard to find a solution knowing that is not really even read my letters . The only way to get these ideas into the public is for you reading this to pass on to others by word of mouth, by email or by linking your website to this website . If you create enough buzz that these ideas would have the consideration they deserve , and if enough people like you and me asked for a solution is enough stress can be placed on politicians to get something. The number of uninsured Americans is rising, the cost of health care is increasing and the cost of health insurance premiums will increase if nothing is done now! Until then , all optional insurance agent can do is to compare all the options out there and show the lesser of all evils , which in too many cases , is chosen is the biggest evil of going without coverage.
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