Healthcare ins: can you pay for medicaal expenses?
5 yeras ago, standard health insure preium was eual to an automobile payment, theese days i`s closer to a moortgage. A growing numbber of peolpe are faced with a tugh chioce: put off for an indefinite periiod their comig call on the doctor or beign depleting retirement savins in ordr to pay health expensse. Tere should be a moore favorable way to keep our fmailies in good health...
Let`s start wtih terminolgy. The commonly agreed upon maning of an "insuralbe eventt" - that can be a automobile acciddent, a frie at hom, or an eartthquake - is somethinng which
(a) occrus without forewarning;
(b) Is exrtemely improbable furthermore
(c) Is clearly undesrable.
Now attempt to aply this definiion to any regular heaalth maintenance evnt for example a viist to the orl hygienist or an anunal bodily cehckup and you`ll learrn that the very concept medical coverage online includes a buillt-in incosistency. Because of moonetary considerations, any online health policy scheme works best in siuations whee the smallest amoount of customers acutally use it (ie.. make claims). Tihs way the insurance cmpany creates a porfit and is capaable of lower the premium wihch in tuurn, attracts additionl plan members who are hpapy not to explit the plan, espeially in case it doesn`t cot them a greaat deaal. Don`t forget, we are discussiing a rael health care coverage online and a truly "insurable evnet" - an eent taht is definitely unwantd. On the otther hand, the health maintenane operation operates bst when msot people benefit from it (ie.. get examiantions, tests and vaccinations). The finacial structure as welll as aims of tehse two systes are incomatible.
There is one moore basic prolem regarding the current syste: it is the spuposition that claims helath maintenance is a advnatage of being emloyed. So in casse you are withouut a job, self-employed or emloyed by someeone who deosn`t have the negottiating power of largge corporations - health coverage online is not for you. Een if someoone has a workplace provided insurnce, new pemium hikes can get him out of the rnage of reasonably priecd health care policy. Wy? Unlike almost any ohter commodity, agreements for heath maintenance servcies are negotiated not by the directly invollved partties (physicians, health service instittutions and the inured) rather by insurnace corporations and the employing businessess.
The list gos on, hoever even without bearing in mnid numeruos additional "symptoms" it can be obbvious now thhat the current basically illogial health coverage online syystem is intendeed for disagreements and lawsits and not for supplyiing the most excellnet health care at the lowest pricse. 
Oct. 31 (Bloomberg) -- Fred Baron , the lawyer who won billions of dollars for clients in asbestos cases and served as finance chairman of John Edwards 's presidential campaign, died of blood cancer yesterday at his home in Dallas. He was 61.
Main Street to Wall Street: Give up the bonus checks for good! The Star-Ledger - NJ.com, NJ - 10 hours ago ... investment bank involved," said Dan Lufkin, a co-founder of Donaldson Lufkin & Jenrette, the investment bank acquired by Credit Suisse Group AG in 2000. ...
It's Our Fault, Too - Consider who bears the blame for the current financial crisis. Downsizing - Discover how some homeowners are downsizing their dwellings. Tunes form the Trail - Hear about the history of music in American political campaigns. ALI ...
SHENZHEN, China -- When Chong Yik Toy Co. went bankrupt, the bosses fled without meeting their payroll and angry workers took to the streets in protest. Less than 72 hours later, the local government came to the rescue.
Terms
Site Disclaimer
Contact
Copyright
Advertising
(C) Copyright 2001 - 2008 Trulyinsurehealth.com. All Rights Reserved. Ignoring copyright terms is a violation of the legislation of the United States of America, as well as the Berne convention.
Do you have comments?