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Online health care insurance: are you able to cover medical bills?
Five years ago, standard ins coverage rate was equivalent of a car payment, these days it`s closer to a mortgage. More and more individuals are facing a tough choice: postpone for an indefinite period their next visit to the physician or otherwise start depleting retirement savings so they are able to pay medical expenses. There should be an improved way to keep our families healthy...
Let us start by discussing terms. The generally agreed upon definition of an "insurable event" - that can be a traffic accident, a house fire, or an earthquake - is an event that
(a) comes with no forewarning;
(b) Is very unlikely to happen plus
(c) Is definitely undesirable.
Now try to use this meaning to any regular health maintenance event for example a visit to the oral hygienist or the yearly bodily checkup and you will learn that the actual term healthinsurance includes an integral contradiction.
From monetary reasons, any medical insurance system operates most efficiently in situations where the smallest number of individuals actually benefit from it (i.e. make claims). This way the insurance corporation creates a profit and is capable of reduce the premium which in turn, attracts more policy owners who are happy not to benefit from the plan, particularly if it does not cost them too much. Keep in mind, we are talking about a genuine on line health insurance and a real "insurable event" - something that is definitely unwanted. On the contrary, the health care scheme operates most effectively when most persons use it (i.e. perform examinations, tests as well as vaccinations). The financial arrangement as well as aims of these two systems are incompatible.
There is another fundamental difficulty regarding the present organization: it is the assumption that health care is a benefit of being employed. So in case you`re unemployed, self-employed or working for a company who lacks the negotiating power of large corporations - medical health insurance isn`t intended for you. Even if one has a workplace provided healthcare insure, new rate hikes may price him out of the range of affordable online medical health insurance. Why? In contrast to almost any other product, agreements regarding health care services are performed not by the affected groups (doctors, hospitals as well as consumers) but by insurers and employers.
The list goes on, but even before considering numerous other problems it can be clear by now that the current fundamentally illogical medical coverage online operation is intended for conflicts and lawsuits rather than supplying the best health care at the lowest rates.
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