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Medical policy: can you pay for medical bills?
Five years ago, average health care ins premium was equal to an automobile payment, these days it`s closer to a mortgage. More and more people are facing a tough dilemma: put off for an indefinite period their coming visit to the doctor or start using retirement savings in order to cover their health expenses. There should be an improved way to keep our families in good health...
Let us start by discussing terminology. The commonly accepted definition of an "insurable event" - that can be a traffic accident, a house fire, or even an earthquake - is something which
(a) comes without warning;
(b) Is extremely unlikely to happen and
(c) Is clearly unwanted.
Now try to apply this meaning to any regular health maintenance event like teeth cleaning or an annual bodily checkup and you`ll find out that the actual concept health ins includes an integral inconsistency.
Due to monetary reasons, any medicare insurance online system works best when the fewest amount of individuals in fact benefit from the plan (i.e. make claims). In this case the insurance corporation creates a profit and furthermore is able to decrease the premium which in turn, brings additional policy owners who are happy not to benefit from the plan, especially if it does not cost them a great deal. Don`t forget, we are speaking about a real medicare insure and a real "insurable event" - an occurrence that is unquestionably unwanted. On the other hand, the health care operation operates best at times the majority of people use it (namely, perform checkups, tests and vaccinations). The financial arrangement as well as aims of the two organizations are contradicting.
There is one more basic difficulty regarding the present organization: it`s the assumption that claims health maintenance is a advantage of employment. Consequently if you`re without a job, self-employed or otherwise working for a company who doesn`t have the power to negotiate of large firms - health coverage on line is not intended for you. Even in case someone has an employer provided insurance, recent rate hikes can price him out of the range of reasonably priced medical coverage online. Why? In contrast to virtually any other commodity, agreements for health care services are negotiated not by the directly involved parties (physicians, health service institutions and consumers) but by insurance corporations and the employing businesses.
The list goes on, however even before bearing in mind many other "symptoms" it can be clear by now that the current fundamentally irrational healthcare coverage online operation is designed for disagreements and legal battles and not for selling the best health care at the most attractive prices.
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