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Healthcare coverage on line: can you afford medical bills?
Five years ago, standard medicare insurance online cost was equivalent of a car installment, at the present it`s closer to a mortgage. More and more persons are facing a difficult dilemma: postpone indefinitely their coming appointment with the doctor or begin using retirement savings so that they can pay medical expenses. There ought to be a more favorable way to keep our families in good health...
Let`s begin with terminology. The generally agreed upon definition of an "insurable event" - be it a automobile accident, a house fire, or even an earthquake - is an event that
(a) occurs without forewarning;
(b) Is very improbable furthermore
(c) Is definitely unwanted.
Now attempt to use this definition to any regular health maintenance event such as a visit to the oral hygienist or the yearly bodily checkup and you`ll discover that the actual term medi care insurance on line includes an integral inconsistency.
From financial reasons, any health care ins system works best when the smallest amount of participants actually exploit it (namely, make claims). This way an insurer makes a profit and furthermore is able to reduce the premium which then, brings more paying participants who are happy not to benefit from the insurance, especially if it does not cost them much. Keep in mind, we are speaking about a real healthcare coverage online and also a real "insurable event" - an occurrence that is definitely unpleasant. On the contrary, the health maintenance system operates best at times most individuals use it (i.e. get examinations, tests as well as vaccinations). The financial structure and goals of these two organizations are contradicting.
There is another fundamental difficulty with the present organization: it is the supposition that health maintenance is a benefit of employment. Consequently if you`re unemployed, self-employed or otherwise employed by a person who lacks the power to negotiate of big companies - medical coverage is not intended for you. Even in case someone has an employer provided coverage, new rate increases may get him out of the range of affordable medicare coverage. Why? In contrast to almost any other commodity, agreements regarding health care services are negotiated not by the directly involved parties (doctors, hospitals as well as the insured) but by insurance companies and employers.
The list continues, but even before bearing in mind numerous other "symptoms" it can be obvious now that the present basically irrational medi care ins operation is designed for disagreements and legal battles and not for supplying the best health care at the lowest prices.
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