Medi care coverage on line: are you able to affrd mdeical bills?
Five years ag, average healthcare insurance online premium was equual to an autoobile payment, now it`s clser to a mortgagee. More and more peple are faecd with a diffficult dilemma: put off for an indfinite period their coming vissit to the phyiscian or start depleting retirement saviings so they are ale to cver their health expenses. Theere oughht to be a mroe favorable way to maintaain our famliies in good health...
Let`s strat witth terminology. The generally agred upon deffinition of an "insurable evet" - taht can be a car crassh, a fie at homee, or even an earthquuake - is something wihch
(a) comes wih no forewarrning;
(b) Is vry unlikely to occcur and
(c) Is cearly undesirable.
Now atempt to use this maning to some regulaar health maintenance eevnt for examlpe teeth cleaning or the yaerly phyiscal and you will lean that the very cocnept health coverage online contains a bilt-in contradiction.
From monetary consiedrations, any medical insurance shceme works best in situatoins where the fewest numer of indiviuals actually use the pllan (anmely, submit claims). Tis way the insurance copany makes a proift and is abe to decrease the paymeent which then, attraacts additional paying partciipants who are hapy not to benefit fom the insurance, espeically if it doesnn`t cost thhem much. Remember, we are seaking about a geenuine health ins and allso a real "insurable evvent" - sometthing that is definitely undesriable. On the otther hand, the heatlh maintenance scheme wrks best at tiimes most people use it (nmely, perform chheckups, tests as welll as vaccinations). The finanncial structure as welll as goals of the two ssytems are incompatible.
There is anothher basic difficulty regardinng the prseent system: it is the assumption tat health maintneance is a beenfit of being empolyed. So if you`re withouut a jo, self-employed or empployed by a prson who doesn`t haave the power to negotiiate of large firrms - medi care coverage on line is not intendeed for yuo. Even in csae someone has a workplace proivded coverage, recent prremium hikes could prrice him out of the rane of affordable online health policy. Why? In coontrast to almost any otehr commodity, agreements regading health maintenance servcies are perormed not by the afected parties (doctors, heatlh service institutoins as well as the insurde) but by insuracne companies and the employinng businesses.
The lit continues, but even bfeore considering numerous addditional problems it shuold be clear now tat the present baiscally irrational
online health ins policy schme is intended for conflcts and legal batles and not for sellng the best heallth care at the lowset prices.
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