Archive

Posts Tagged ‘health care reform’

A Healthy America

January 8th, 2019 Comments off

Heath insurance has become a main topic of conversation in everyone’s lives, over the past few months. There are about 50 million people that are without medical insurance today, and the government, although wanting to provide insurance for all, can not agree on the terms of how this goal can be met. While they are arguing back and forth, these 50 million people remain uninsured and unable to obtain much need medical attention. Many of these individuals continue to apply for medical coverage, but when they receive their final cost, they are unable to afford it on the budgets that they have.

It is sad to see families who cannot afford the drugs they need to stabilize their health. Many are putting off operations and/or doctor visits and testing, just hoping that they can survive until help arrives in the form of insurance for all. It is sad to read articles about individuals who have small incomes and must decide between food and medicine. Some are taking half their prescribed medicines while others are not taking them at all.

Although there are drug programs in place to help the poor, many people still do not qualify. The goal is to provide insurance for everyone, but we must do it properly and offer plans that everyone can afford, while still providing the coverage that is necessary. Cheap insurance sounds like a great solution until you find out what it does not make available to the insured.

There has been a system put together, by the Florida health insurance plans, that provide health insurance for all individuals that have been uninsured, including those individuals who have recently found themselves unemployed. A plan was devised among the Govern of Florida and the six major health insurance companies and now 3 million people have successfully been removed from the on growing list of individuals without health insurance coverage, although some of them try to maintain a good health by having a healthy lifestyle by trying to eat healthy and exercising with equipment as a balance disc URBNFIT that can be even used at home. This is a large accomplishment for Florida, and it gives the rest of Americans hope, that our Federal Government will also be able to provide health insurance for all, and in the near future.

For far too long we have let the politicians bury critical legislation in the maze of bureaucracy that Washington D.C. is famous for. It is time that the American citizens let our elected officials know that this is no longer acceptable. Inform your elected representative in Congress that it is time that we provide affordable health care to all Americans. Not a cheap plan that really provides no coverage, but an affordable plan that will help people when they need it most. This is not a political issue, or an ideological issue, it is a moral obligation to help our fellow Americans who are dying because they cannot afford the medical coverage they need to live.

About the Author:

Medical Debt and Personal Bankruptcy: Time for Reform

September 23rd, 2018 Comments off

Republican, Democrat, Left, Right, Centrist… No matter how citizens in this nation may choose to politically identify ourselves, we are all pretty much in agreement about one thing: This country needs health care reform. Our suggestions as to what shape that reform should come in may not be identical but there is no denying that we are currently on the fast track to bankruptcy if meaningful reform is delayed much longer.

In fact, many individual Americans have already been bankrupted through devastating encounters with our current health care system. This past summer, the respected American Journal of Medicine released new study findings that revealed some staggering statistics that reveal the role that medical expenses play in personal bankruptcy filings. Working to reduce the margin of error in their findings, the authors applied a stringency to the study that made it a first of its kind: a truly random sample of bankruptcy filers nationwide, followed up with detailed personal interviews of participants. Medical causes of bankruptcy were defined to include medical bills and loss of income due to health issues. In conclusion, they discovered that more than 60% of personal bankruptcy filings in 2007 had significant medically related expenses that pushed individuals and families over the financial edge to file for bankruptcy.

Dr. Steffie Woolhandler, one of the study’s authors, voiced her conclusions in an interview with CNN saying, “Unless you’re a Warren Buffett or Bill Gates, you ‘re one illness away from financial ruin in this country If an illness is long enough and expensive enough, private insurance offers very little protection against medical bankruptcy, and that’s the major finding in our study.” There are those who find Dr. Woolhandler’s words a little radical. A spokesman for the Washington, D.C. based nonpartisan policy research foundation, The Center for Studying Health System Change, admitted some reservations about the findings but at the same time concluded that 1 in 5 American families are “unduly strained” by medical bills.

In 1981, only 8% of families filing for bankruptcy claimed to have done so in the wake of a major medical crisis. (The accuracy of that figure is somewhat debatable since court records do not indicate the origin of debt that is handled by collection agencies, possibly obscuring debt generated by doctor or hospital bills.) In 2001, a major study concluded that over 46% of personal bankruptcies were medically related. The American Journal of Medicine study’s most recent conclusions of 61% used data from 2007, indicating an alarming trend and numbers which interestingly predate the fallout of our economy’s current recession.

The stigma that hangs over personal bankruptcy in our country is in part due to the public’s common misunderstanding of what the average filer looks like; many people have a mental image of a hapless slouch. The American Journal of Medicine’s study reveals this misapprehension for the untruth that it is. Most of the debtors surveyed were middle class, middle aged and college educated. 75% of the debtors had health insurance coverage at the onset of their financial and health problems. Typically this insurance left them with the commonplace gaps of high premiums, copayments, hefty deductibles and a range of uncovered medical services. It is important to note that policy rescission is a normative practice among medical insurance companies with 25% cancelling an individual’s policy immediately upon a disability diagnosis and another 25% of companies cancelling within one year of the diagnosis.

It is hard to ignore that the middle class’ back is being gradually broken under the weight of the current insurance system. Health insurance premiums skyrocket every six months and deductibles on most policies follow a similar skyward pattern annually. Proponents of the American Dream have traditionally contended that what is bad for the middle class is bad for the nation as a whole. Currently, it is estimated that the U.S. will spend 17.6% of its GDP (Gross Domestic Product) on health care in 2009. The future holds an ever upward spiral if reforms are not soon brought into play. A further consideration of this staggering GDP statistic is to realize that it does not and cannot take into account all the associated costs that medically related bankruptcy of individuals or small businesses impose on the economy and society.

Do yourself a favor as a good citizen and read the American Journal of Medicine’s study in full. (You can find it quickly online at amjmed.com, Vol. 122, Issue 8, pp. 741 to 746.) Be informed, do some further fact scouting and let your congress representative and senator know that the average citizen wants and needs access to the quality of health insurance elected officials are privy to.

About the Author:

The Obama Health Plan- Who Does It Help?

May 11th, 2013 Comments off

As of late, there have been a lot of heated discussions and talk about who the health care reform will help, and how it will effect Americans. Although many are opposed to this health care reform, the true is that this plan will help many Americans who are currently trying to survive each day without any health care coverage.

The first group that this plan will help will be those adults who are low income who can’t afford health insurance. This group of American’s is one of the groups that the current system does not accommodate. Basically Medicaid, which currently covers the children of these lower income adults and of course those that are pregnant will now cover low income adults as well.

The second group that seems to gain from the Obama health plan is those students who either graduate from High School or College only to be ousted from their parents’ insurance plans into the real world paying high cost premiums while trying to repay their student loans. This group will now be allowed to remain on their parent’s health insurance plans until the age of 26, providing them additional time to get their lives in order before having to pick up this additional expense.

Then there are the individuals that have a pre-existing condition. With the new health plan, insurance companies will not be allowed to turn anyone away based on their medical history. It has become a large problem, to date, when individuals loss their jobs and are finding it difficult to find new medical insurance because of a pre existing health condition. Although this will not officially take effect until 2014 it is a light at the end of the tunnel for these Americans.

While this plan has a lot of faults as well as benefits it is important to look at who will be helped by such a health care plan. Just because some of us are lucky enough to have health insurance coverage it is important to remember that it is very easy to become one of those with a serious health issue or loss of employment that could leave anyone of us struggling to find health insurance coverage.

Finding health insurance that is suitable for your medical needs can be difficult. The best thing to do is obtain several health insurance quotes from various companies. For assistance stop by www.gohealthinsurance.com.