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Medicare ins: can you pay for medical bills?
Five years ago, mean online health care insurance rate was equivalent of a car payment, now it`s closer to a mortgage. More and more people are faced with a difficult choice: put off for an indefinite period their next call on the doctor or start depleting retirement savings so they are able to pay health expenses. There ought to be an improved way to maintain our families in good health...
Let us start with terms. The generally agreed upon meaning of an "insurable event" - that can be a car crash , a house fire, or even an earthquake - is something that
(a) occurs with no forewarning;
(b) Is very improbable furthermore
(c) Is clearly undesirable.
Now attempt to apply this definition to any routine health care event for example teeth cleaning or the yearly physical and you`ll learn that the actual term on line health insurance includes a built-in contradiction.
Because of monetary reasons, any online health coverage scheme operates most efficiently in situations where the smallest amount of participants in fact benefit from it (i.e. submit claims). In this case the insurance corporation creates a profit and furthermore is able to lower the premium which in turn, brings more policy owners who are glad not to benefit from the insurance, particularly if it does not cost them a great deal. Remember, we are discussing a real medical health insurance and a real "insurable event" - an event that is definitely unpleasant. On the other hand, the health care system works most effectively at times the majority of people use it (namely, perform checkups, tests and vaccinations). The financial arrangement as well as aims of the two systems are mismatched.
There`s another fundamental setback regarding the present system: that is the assumption that claims health maintenance is a advantage of employment. Consequently in case you`re without a job, self-employed or working for a person who lacks the negotiating power of large companies - health insurance on line isn`t for you. Even in case an individual has a workplace provided medical insurance online, new premium hikes can price him out of the range of reasonably priced health care coverage. Why? In contrast to virtually any other commodity, contracts concerning health care services are negotiated not by the affected parties (physicians, health service institutions as well as customers) rather by insurance companies and the employing businesses.
The list goes on, however even before considering numerous other problems it can be clear now that the current fundamentally irrational medic aid insurance operation is intended for disagreements and legal battles and not for providing the most excellent health care at the lowest prices.
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