Any time you have been involved in a debate over the health reform act, do you come away feeling confused and frustrated? While everyone seems to have ideas, no one knows how to go about making any difference in the long term, and that is even in light of the passage of the health reform act. This does not bode well, does it?
We all know the current health system just isn’t cutting it and something has to give sooner or later. Is the answer making sure everyone has an e-medical file? Is the answer making everyone buy insurance or else they face a fine? The courts do not think so and ruled that it was unconstitutional. What do you think?
To learn more and get a health insurance quote, visit https://www.benepath.com.
Older people do pay more for health insurance when compared to younger individuals.
This only makes sense as an older a person will need a health insurance plan that provides more coverage. It is just an annoying fact of life that the older the population gets, the more medical help they need.
Statistics show this fact and the cost of health insurance policies follows accordingly. In reality, the higher cost is not a punishment and makes sense when the big picture is examined. Another part of the bigger picture is the fact that many people do not take care of themselves, and they pay the price for that in increased health insurance premiums as they age.
The cost of providing health services to people neglecting their health is phenomenal. No wonder the American health system is in such a mess, and the cost of care is still skyrocketing.
To learn more and get a health insurance quote, visit https://www.benepath.com
Before the end of the year, re-evaluate your health insurance. Not just personally, but if you happen to be an employer and offer group health coverage, it’s time to start checking that the plan still is a good fit for your team.
Near the end of the year it can be time to change what type of health insurance is offered to employees. Typically, workers are advised their particular plan is going up in price due to rising health costs. More affordable options can be offered. What people do not get is that employers are between a rock and a hard place when it comes to providing employee health insurance.
Every year the price of maintaining health insurance goes up. In fact, health expenses take up roughly 25 percent of a company’s operating costs. Workers asking for a raise will not see any difference in their paychecks to cover the increased costs as the increase goes to pay for the higher costs of health care.
It is a vicious cycle, and one that many employers are looking to break by not offering group coverage and moving to offering plans like Health Reimbursement Accounts.
To learn more and get a health insurance quote, visit https://www.benepath.com
Come January 2012 it will be time to revisit your health insurance coverage and make changes.
During the year things change rapidly when it comes to the price of drugs, their availability, their status (meaning generic versus brand name), and whether or not they are added or taken out of your drug regime. Various health insurance plans offered to consumers also change each year with new features coming in and others being changed or replaced.
Before January arrives and you find yourself with a health insurance that does not really suit your needs, do some in-depth evaluation of your coverage. You may find something else suits you better, particularly if you have changed employment, need different prescriptions, or have changed networks.
To learn more and get a health insurance quote, visit https://www.benepath.com
The resources in the American health care system are sadly limited. This is a fact and we read about it virtually every day. It is not getting any better either. The more we tax the resources of the system, the more it suffers in terms of physician burnout, increasing malpractice errors and out of control costs. We need to take responsibility for our own health care. Obviously, this is an ongoing problem of great magnitude.
You do not stay at home and suffer if you have pneumonia or something else that you know you will not go away without medical help. However, exercise discretion and be wiser about running to doctors for small things that burden the system and their availability for patients with more serious issues. You need your doctor to be there when you really need his or her expertise.
To learn more and get a health insurance quote, visit https://www.benepath.com
Knowing what you spend on medical bills is a real eye opener and may teach you a thing or two about being more prudent with our health care system bursting at the seams.
Say you have four children and take them to see a doctor for the sniffles. You are not aware of the costs because your co-pay is so low it does not matter. But what if you found out it cost about a $100 a visit for the doctor to consult each child? What if you were only there for three minutes and the doctor said, “You have a cold – rest, drink plenty of fluids and come back in a week.”
You would have spent $400 for something you could have done at home without further taxing the health system, which is really there for serious illness, not the sniffles.
To learn more and get a health insurance quote, visit https://www.benepath.com
Transparent medical costs could cut the current abuse out of the health care system.
How would having transparent health care costs make a difference? Easy – if you know the price of something you budget wisely. If you do not know the price, it is easy to spend more, because you do not make the connection between the doctor’s inexpensive visit co-pay and the real bill.
Budgeting wisely saves money and reduces abuse in the health care system. How? If you knew what it cost to see a doctor for a minor cold you would think twice about running to see him. A doctor trained for 10 years or more and whose specialty isn’t in general medicine could cost a tremendous amount to visit.
If you have more than one child, the costs of taking them to see a doctor for something you could take care of at home on your own will put a serious dent into your budget. Be smart and think twice about going to the doctor unless you really need to.
To learn more and get a health insurance quote, visit https://www.benepath.com
Obama says all employers should contribute to health coverage for their employees or pay towards a public plan. It is an interesting concept, although many employers are actively preparing to reduce the costs of health coverage, not increase it. They just cannot afford to keep offering it at the rates they pay now.
The President suggests hospitals need to be graded on performance and streamline their recordkeeping for higher efficiency. Better recordkeeping is nice, but it does not address the prices doctors charge for services or what the hospital bills for patient care. We know these type of bills can be shockingly high.
In addition, Obama says a national health insurance exchange program would reform private markets. It sure would – it would drive up the prices insurance companies charge because they need to keep their bottom line healthy. Insurance companies are in business to make money, not shell it out.
To learn more and get a health insurance quote, visit https://www.benepath.com
Obama says it is a priority to have affordable, accessible, high-quality health care. Well that is nice, but doesn’t everyone? And how can that be accomplished? Who would pay for it? And how long would those changes take?
The President suggests mandating that all children have health coverage. Ask yourself about the costs involved for those who do not have insurance now. And if you mandate children, do you mandate adults? How do you enforce this? Of course, we all know that we are supposed to have mandated health insurance by 2014, but the question is, aside from stiff fines how do you enforce it? How do you enforce a homeless person with no money, but panhandling, to get health insurance? Who pays for that? We the taxpayers do, that’s who.
To learn more and get a health insurance quote, visit https://www.benepath.com
Yes, it is true, health insurance is affordable. Or rather, look at it this way – if you do not have health insurance and something bad happens, then how will you pay your medical bills? If you have no money in the bank, and most Americans are in that spot right now, you could get financially drained when you get a bill for a broken leg.
On the other hand, if you had health insurance for those “uh-oh” moments, then you would not possibly face bankruptcy. Sure, you could argue that if you have no money in the bank and can barely feed your family, that you cannot afford health insurance. But, honestly, do yourself a favor and find the few extra dollars a month to get a policy. You cannot afford to do nothing, particularly if you have kids.
To learn more and get a health insurance quote, visit https://www.benepath.com
