Do we need to move to a non-profit health insurance? | Buying ...

It is becomes quickly obvious healthcare in US has many drawbacks as we review the foreign models?. According to statistics our society spends much more per head on health than any other country. A true, but a one-sided judgement. There are aspects making the overall picture more complex. On the one part, we actually perform very badlyrather poor compared to others. Not so many medics per head of population, and too heavy dependance on medications seem to make americans live not so long as in other developed countries and suffer the quality of live to some extent.. With the great budget spent on the industry where is the value for money? As an answer you should not forget the progamms such as Medicare and Medicaid providing profit to one third of the american population thanks to the states and government contribution. Hence it is about two thirds of the adult population who pay for a private health plans, plus there also comes the tax for healthcare needs of the rest of the community members.

Any insurance is designed for protecting families from the threat of bankruptcy and to avoid additional burdens on the state. Health isnurance should also enable free regular check-ups, diagnosis and screeening. And when we fall ill or injure ourselves our providers are to act their best way to deliver the best possible treatment in shortest terms, fullfiling its major function. The taxpayers? dollars is expected to be spend in the most effective way in the populations favor. While in many ststes, healthcare is usually nothing more than a free public utility, here in America we also have a health insurance industry which can produce a service that might be too expensive to pay out for an average person without a policy and this industry runs on a private basis setting health insurance quotes which depend on a person?s health and personal factors .

We have xample s of coures when things were different from the model described. During the Second World War in conditions of labor shortage the first concern was to protect the market, so we saw price and wage directions. It is now difficult to imagine that health plans could be exempted from federal taxes and workers could be attracted by employers setting better health cover. Until 1990 people could also benefit from the nonprofit private companies such as Blue Cross who dominated the health insuranceindustry except that it was a short period of luck.. Arguing for more effective servicse sthe organixations choosen the conversion way of development.

Now let us discuss the for-profit model of health insurance. It is not always fairly organised as insurers has their own rights to provide or not to provide the help in paying the medical bils, though perhaps the key is the terms in little print af the policy itself.. What private insurers do is fixing the rates high to an extend the customers would agree to pay as they apply and making their best to pay give out as little coverage as it is possible when an insured event occur.. The profit companie sreceive operation in this way is shared on the industry empolees wages and dividents. Forming a more tight approcah when inflation beats, the insurers convince us we should accept higheraise the deductibles or the customers are obliged to make co-payments. Many end on cancelling policies of customers happended to fall ill while candidates with pre-existing health conditions are just rejected. The doctors are also advised on treatment they should give the insured patients and its costs. In oter words, the for-profit insurer aims to keep the policies of the healthy customers, but the purpose of health coverage is surely nor achieved.

To solve these contradictions some experts suggest returning to a nonprofit health insurance. Much bigger parts of insurers? income should go on to the regular treatment and the support of customers with health conditions. If this turn sto be impossible, the federal governments should lead individual health insurance companies similar to public utilitiesto ensure more affordable health insurance quotes for all groups of the american population.

Source: http://www.buyingintentions.com/?p=1113

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