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Health coverage online: are you able to afford medical bills?
Five years ago, mean healthcare policy premium was equivalent of a car payment, at the present it`s closer to a mortgage. A growing number of individuals are faced with a tough dilemma: postpone for an indefinite period their next appointment with the physician or start using retirement savings in order to cover their health expenses. There should be a better way to maintain our families healthy...
Let us begin by discussing terminology. 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) occurs without warning;
(b) Is very unlikely to happen and
(c) Is definitely undesirable.
Now try to apply this meaning to any routine health maintenance occurrence such as teeth cleaning or an annual physical and you`ll learn that the actual concept online health insure includes an integral contradiction.
Due to financial reasons, any online health ins system works most efficiently when the fewest amount of customers in fact use the plan (i.e. make claims). In this case the insurance company makes profits and is capable of reduce the payment which in turn, brings additional policy owners who are happy not to exploit the policy, especially if it doesn`t cost them much. Keep in mind, we are speaking about a real family health care insurance online and a real "insurable event" - an event that is unquestionably unpleasant. On the contrary, the health care system works most effectively at times the majority of individuals benefit from it (namely, get examinations, tests as well as vaccinations). The financial arrangement and goals of the two organizations are incompatible.
There is one more basic difficulty with the present organization: that is the supposition that claims health care is a advantage of being employed. Consequently if you`re without a job, self-employed or working for a person who lacks the negotiating power of large corporations - medical coverage online isn`t intended for you. Even in case someone has a workplace provided coverage, recent premium hikes can price him out of the range of reasonably priced health insurance. Why? In contrast to almost any other product, contracts regarding health care services are negotiated not by the affected parties (doctors, hospitals and customers) rather by insurance corporations and the employing businesses.
The list continues, however even without bearing in mind numerous other "symptoms" it should be clear now that the present basically illogical online health ins system is intended for conflicts and lawsuits and not for providing the most excellent health care at the lowest rates.
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