| How To Lower Your Cost of Health Insurance (insurance)
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How To Lower Your Cost of Health Insurance
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Bad Credit Home Loan To Get You Out Of Debt
A "bad credit home loan" can help you climb your way out of debt and get you started back on the road to upstanding, good credit. There are many lenders who are willing to make bad credit home loans to you - a loan based on your equity in your home even if your credit has slipped or isn't as perfect as it could be. By taking out a bad credit home mortgage or home equity loan, you can consolidate a... Read article
Medical Insurance Policy
Purchasing medical insurance fills you with a sense of security and confidence that you and your family are well covered. But your responsibility does not end with purchasing a medical insurance policy. Any financial product comes with a number of features and benefits, and you should take the time to understand what benefits and facilities you are entitled to receive from your medical plan. If yo... Read insurance article
How To Lower Your Cost of Health Insurance
Being the proud owner of a health insurance policy can be a good feeling, knowing that you are safe and protected from financial worries if you get sick or injured. However, you owe it to yourself and your bank balance to get the best price for your health insurance, without missing out on the optimal benefits that you should be aiming for.
1.Shopping around is as good an idea when you're in the market for health insurance as it is when you are buying a car. It's true that you get what you pay for but by doing your homework, you'll soon see which funds and policies deliver the best returns in the event that you make a claim. By hiring an insurance broker, you can take advantage of the experience of a professional whose job it is to make sure you get the best possible deal for the best possible price, and not pay for extras you won't need.
2.Research over the Internet. Many health insurance companies offer significant discounts for buying policies online. While you're there, you get to sift through the confusing information in your own time and make an informed decision based on your needs.
3.Combine health insurance with other policies. Most companies offer discounts if you have your home, car and life insurance policies with them also.
4.Always read the fine print and know your obligations. It's important to know what you stand to gain and also what you are required to tell the health insurance company. In the event of a claim, you can be seriously disadvantaged if you have not disclosed your situation fully and truthfully. That means that even if you started out with a cheap premium, it will be no good to you if the company chooses not to pay up.
Health insurance can surely be a complicated issue but take the time to know exactly what you are paying for, aim to get the best price you can and always choose a reputable company that will be there when you need it.
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National Health Insurance
President Clinton did not and now President Bush will not address health care reform in a way that deviates even slightly from the HMO and Managed Care Industries that have given large sums of money to both campaigns to keep them quiet. Thus these special interests maintain the status quo of the for profit health insurance corporations that have taken over the health care system in America.
Every day, approximately 100,000 people lose health insurance coverage in the United States. Over forty-four million Americans do not have health insurance at all. The people who have HMO's as their only choice of insurance routinely face rejection of payment when serious health problems arise. The doctors employed by HMO's make decisions about a person's health without laying hands on the patient. They do not examine, listen to or have any contact with the patient about whom life and death decisions are made regarding their health.
This is a human rights abuse in a civil society such as ours, or any other society, for that matter.
There are over 1500 insurance companies in America with different rules of what services will or will not be funded. Our facility has hired two people just to handle the health insurance questions that arise every day. They often have a frustrated and perplexed look in their eyes as they undertake to find solutions to problems, and then have to contact a faceless bureaucratic entity about whether or not a service will be paid for.
Health care providers must also take the time to speak to these people, to convince them to pay for proposed services. Letters must be written to convince the HMO/Managed Care bureaucrats to take a second look at what needs to be done for patients, to ensure good quality medical care.
Health care workers have accepted the unacceptable and do not seem to know the way out of the quagmire.
I once helped to raise $3,000.00 for a seven year old patient who was in an automobile accident, and suffered a lower spinal cord injury. He is paralyzed from the waist down. The proposed goal for the fund raiser was to buy a handicapped accessible van. Since these vans cost anywhere from $15-30,000.00 dollars, the family bought a computer, instead, enrolled the boy in a study offered online by the Shreiner's Hospital in Philadelphia for spinal cord injured patients.
At the fund raising dinner, I sat with the patient's grandmother. She told me she wanted the money to be put in a trust fund to pay for the child's catheter supplies, diapers and medicine that the Managed Care Insurance company would not pay for.
"Wait a minute," I said. "You mean you are paying for all of the supplies out of pocket without insurance reimbursement?"
"Yes," she said.
Back in the office the following week, one of the women whose job it is to deal with insurance questions, solved the dilemma and the supplies are now paid for. The child's mother had receipts, and the HMO reimbursed her from the time of the car accident.
I wondered why the insurance company did not automatically pay for these services? If I had not helped stage an elaborate fund raising event and had dinner with the boy's grandmother, this revelation may not have surfaced. A Universal Single Payer health care plan would make it possible for all people to get the services they need and free up doctors and nurses to give the care that people deserve, plus fulfill all of the reasons doctors and nurses entered their respective professions to begin with: to be of service, to help other people and to bring healing to patients and their families.
Physicians for a National Health Program in America have devised the following plan for implementation. For more information, please access www.pnhp.org.
National Health Insurance, if implemented, would minimize any disruption to the current health system because health care delivery mechanisms would remain in place while only the financing mechanism changed. Single Payer National Health Insurance would resolve virtually all of the major problems facing America's health care system, today.
Single Payer Insurance is defined as a single government fund with each state which pays hospitals, physicians and other health care providers, thus replacing the current multi-payer system of private insurance companies and other plans.
It would provide coverage for the forty-four million people who are uninsured.
It would eliminate the financial threat and impaired access to care for tens of millions who do not have coverage and are unable to afford the out-of-pocket expenses because of deficiencies in their insurance plans.
It would return to the patient free choice of health care provider and hospitals, not the choice that only the restrictive health plans allow.
It would relieve businesses of the administrative hassle and expense of maintaining a health benefits program.
It would remove from the health care equation the middleman-the managed care industry-that has broken the traditional doctor-patient relationship, while diverting outrageous amounts of patient care dollars to their own coffers.
It would control health care inflation through constructive mechanisms of cost containment that improve allocation of our health care resources, rather than controlling costs through an impersonal business ethic that robs patients of care so as to increase profits for the privileged few.Single Payer Universal Health Care would provide access to high quality care for everyone at affordable prices. This would be beneficial for individual business as well as the government.
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