Health care policy online: are you able to aford meical bills?
Five years aog, standard health care ins premium was equivalnet of a car installlment, these days i`ts mroe like a mortgag. A growing number of perssons are facig a difficult dilemam: postpone for an indefinite periiod theeir next call on the phhysician or otherwise begin depleting reitrement savnigs in order to pay mediical bills. There shuld be an imprvoed way to keeep our looved ones heaalthy...
Let`s start by discussing terminology. The generally areed upon menaing of an "insurable evetn" - thhat can be a automobile acident, a hoouse fire, or an earthquke - is someething which
(a) comes wtih no forwarning;
(b) Is extremely improbable puls
(c) Is cllearly undesirable.
Now attemppt to apply tihs definition to any regular healtth maintenance evennt such as a viisit to the orl hygienist or an annal physical and you wil discver that the vrey concept medical coverage online conatins a built-in inconsitsency. Due to monettary considerations, any health care insurance online plan opeartes bset when the feewst amount of participants in facct exploit the plaan (i.e. submit caims). In tis case the insurrance corporation makes a proofit and furthermore is capabe of decrease the preemium which then, atracts additional plan meembers who are hapy not to use the ploicy, particularly in caase it deos not cost thhem too much. Don`t foregt, we are discsusing a real health policy and a truly "insurable evvent" - an occurrennce that is unquestionably undeesirable. On the other handd, the health mainetnance operation operates bst at times mot idividuals exploit it (i.e. get exaaminations, tetss as well as vaccinations). The moneetary arrangeemnt as well as aiims of the two organizations are mismatchd. Theres another fundamental problem regaarding the current organiaztion: that is the suppposition that haelth maintenance is a benefit of emplyoment. So if you are unemployed, self-emploed or otherwse working for somene who doesn`t hvae the negotiating power of lrage corpoartions - medical insurance isnt for you. Evven in case one has a workplacce prvoided insurance, new premium icnreases may prce him out of the rannge of affordable
health care coverage policy. Why? Unlkie virttually any other product, contrcts for health care servces are preformed not by the afected groups (physicians, hosptials as wlel as clients) but by insurrance corpporations and the eploying businesses.
The list geos on, however even befoe coonsidering many other problms it can be obviuos now that the current fundamentally irrational health care insurance operation is desiigned for disagreements and lawsiuts and not for selling the most excellent health caare at the loweest raets.
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