Posts Tagged ‘medical health insurance’

Forgotten Patients

Monday, August 30th, 2010

Well over a year there have been countless discussions lobbied for and against The Patient Protection and Affordable Care Act that was signed into law early in 2010. There is an entire litany of evolving health insurance circumstances and changes that have occurred, but nowhere does it mention the welfare of the patients. There has been much discussion and media reporting on how much The Patient Protection and Affordable Care Act is going to cost the country over the next few years.

There have been discussions on the specific types of medical health insurance coverage that each individual citizens is eligible for and when. There have been many discussions on the half trillion dollars that will be re-focused from the Medicare program leaving our senior citizens in a quandary. The annual cost for individuals and the cost for families is another issue that has been discussed many times.

We have learned how the annual health insurance cost for individuals will be capped at no more than nine thousand dollars and the health insurance cost for families will be capped at twelve thousand five hundred dollars. Yet, with all this rhetoric there is still no concrete answers to how this will help every individual.

It does seem to appear that all the government is interested in is in finding innovative and creative ways to confiscate your heard earned income and leaving you with nothing more than a pittance for basic survival. How long will individual citizens continue to work only to turn over their paycheck at the end of the week because the government has decided they need your money for health insurance more than you do?

The heated rhetoric, the on screen arguing, the right to fund abortion or not, and other issues continuously seem to be creeping back into the conversation.  Still the government does not inform the public of what is going to be in the new health insurance policy or what health care coverage will be continued and what health care coverage is being denied to the mass public.

Would it not make better sense if the government went through the hundreds of pages of health insurance and medical health care issues that are current? What about only changing or eliminating those items that are redundant or not fruitful. Why not have the government rid the entire health insurance system and medical health care system of the fraud that is at the root of the problem?

Was it really necessary to overhaul the entire health insurance industry and medical health care community only to achieve a single payer health care system that the government wanted in the first place?  Only to now mandate that we the people must do what they say and buy a health insurance policy that is approved through the Internal Revenue Service whether we want one or not?

Ultimately, this is nothing more than another ploy to confiscate more of your hard-earned money and create a dependent society rather than an independent society. Is this what you want? Do you want to teach your children to be dependent upon the government for all possible needs?

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No Health Insurance

Monday, May 31st, 2010

There are millions of individuals of all age groups without any health insurance to help them as they go about their daily lives. Where do individuals and families go when they need medical health care and they have no health insurance coverage? You certainly are not able to visit the local medical physician in your neighborhood because the first question you are asked is who is your health insurance carrier?

When you explain you are without medical health insurance at this time, but you are able to pay cash for the medical physician’s services you are still refused an appointment, so where do you turn? Most individuals who are alone will turn to their local drug store and scour the shelves to see what is available for their own health care practices.

Other individuals with young children will turn to the emergency rooms of the local community hospital and hope their children will be afforded the needed health care and medication they so desperately need. You wonder why the local community hospitals are always filled to capacity in the waiting room.

You will find the health insurance industry played a role in causing this build-up by negotiating with the health care providers to the point where they are not allowed to take in a patient, treat them, and accept a cash payment. Oh have we come a long way when the medical health care provider could make house calls without asking if you have any low cost health insurance to cover the expenses.

When you listen to the news reports, you will hear from time to time how we, as a nation have come a long way in the health insurance industry, yet have we. If you are unable to pull out your health insurance card to prove you still have health insurance coverage you are blatantly turned away with the suggestion you visit your local community hospital.

Private hospitals in your local area will refuse you medical health care  assistance faster than any medical health care provider so be sure you visit your local community hospital if you want an opportunity to see a medical health care physician. This includes children too and makes the entire situation very sad.

When you have a parent taking a child to the emergency room for medical health care do you think they stop to read the sign on the front of the building to see if it is a community hospital or a private hospital? Of course not, the child may have sustained a broken arm or broken leg while attending school and all the parent wants to do is get their child medical health care as quickly as possible.

Sadly, this same occurrence happens every day of the week to many parents at a time when they are upset because their child is hurt. To have everyone in the medical health care community turn his or her back on you is a travesty that is unacceptable, yet it still happens. Why is the medical health care community exempt when it comes to the private hospitals?

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Healing Faster

Thursday, April 29th, 2010

The health insurance industry is aware that many young Junior High and High School sports are males who, like all young adults believe they are invincible and perform at anything. Sadly, this mind set also causes many young male athletes to experience a hernia because of over extending their body muscles. Now, their body is compromised with a condition that on average affects older men.

The sports health insurance only offers minimal health coverage and the parent’s health insurance policy remains the primary policy. The medical insurance is there to ease the burden of health risks due to hospitalization and surgery, but in such young children, this was unheard of a few years ago.

These young athletes are experiencing an excruciating pain and yet the sports related hernia is very difficult to detect and to treat. Once the sports related hernia is finally diagnosed, the health care treatment would continue for months and the young athlete is no longer able to continue in the sports program until given a clean bill of health.

Realizing that the health insurance industry is there to help reduce the monetary cost to all subscribers of the various insurance plans, you have to wonder how many times they are obligated to pay out for the same related surgery. This is now a difficult problem for the parents, the student, the school and coaches, and the health care industry.

Everyone is trying their best to cut corners and concede certain issues in order to receive a low cost health insurance policy that will offer adequate medical coverage in times of emergency. Yet, the cost continues to rise because of duplicate and triplicate incidents of surgery and hospital stays.

The medical community through the group of health care orthopedic surgeons has recently come up with a new procedure to aid in the repair of the sports related hernia and shortens the length of time the student must sustain for rehabilitation. The new, more innovative procedure consists of less evasive surgery reducing the healing time from an average of twenty weeks down to four or five weeks.

This was conducted through a group health insurance effort including the medical community.  After a very lengthy study, new guidelines were instituted for the hernia surgery and the healing time. To date, many in the community, especially the sports athletes, are very satisfied with the new procedures now put into place. In time, these new procedures and treatment schedules will be throughout the country and reach every medical community and school.

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Pets and Allergies

Wednesday, April 14th, 2010

Pets and allergies for some reason seem to go together. How sad when you have a family and everyone agrees they all want very much to add a pet to the family and when you do the war of the allergies takes over. The allergies stem from the animal dander and not all the health insurance in the world is going to stop this from happening.

However, there are some allergies, like asthma, that are now considered a pre-condition. If your child or children are developing an allergy to the pet dander, do you then return the pet? Probably not, but this is becoming an issue for the health care industry to pay attention to. There are a few steps you can try to help alleviate this issue with the help of the health insurance community.

1.    Discuss the allergy symptoms with your medical health care physician

2.    Bathe your pet regularly to reduce the pet dander

3.    Refrain from allowing your pet to enter the bedroom for an allergy free night

4.    Thoroughly vacuum carpeting and flooring regularly

5.    Clean and dust regularly

6.    Consider using a vacuum with a HEPA filter to pick up pet dander

First, you must figure out how to relieve the symptoms of the allergy and this is a logical topic to discuss with your medical health care physician.

There are many over the counter medications that are mild that you could try to see if they eliminate the itchy eyes and runny nose after consulting your medical health care physician. However, if the one member of your home who is allergic to pet dander is a child, it is a wise idea to discuss this with your pediatrician. If your child is older then discuss this with your medical physician and even your affordable health insurance carrier.

Sometimes you will need a prescription medication for allergies, specific to pet dander and then you will need to talk with your health insurance provider to find out if they will cover the prescription. The reason why you need to find out is that if the prescription is an expensive one, you must continue to purchase a new supply each month.

Always take care though, do not mix medications when you are not sure if they are compatible. You can always consult your medical health care physician when you are not sure, especially when children are involved. You can also consult with your low cost health insurance provider to ask if they have a pamphlet for more advice to protect the children and reduce the susceptibility of pet dander allergen.

The health insurance providers usually have information they will be more than happy to pass along to you to help with the necessary adjustments of introducing a new pet into the home. Good, sound advice is what you really need most right now and they just might have what you are searching. Once you are able to grasp a new workable system you will soon find the allergy will begin to subside, but never allow yourself to let down your guard.

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Lower Insurance Premiums

Monday, April 12th, 2010

Shopping around for medical health care is so time consuming that many people who begin with good intentions end by walking away and giving up. However, if you prepare ahead of time and have a better understanding of what you are looking for the search becomes easier.  There are a few things you can list and then take them one by one until you locate the right health insurance plan that will suite your needs.

It is at this time that you will pick up the telephone and set up an in office appointment to discuss the details further and collect some information. A few of the ways to lower your medical health insurance premiums are:

1. Always do your best to remain healthy and refrain from unsavory habits

2. If you are a smoker now it a great time to stop

3. Consider a high deductible in order to lower the average monthly cost for health insurance

4. Change your co-insurance ratio when it is possible

5. Consider combining a Health Savings Account or HSA with a high deductible medical health insurance plan for better planning

6. Consider a major medical catastrophic plan to help defray cost

7. Consider eliminating anything that poses a significant risk

8. Consider a health insurance plan with an in network medical physician

9. When both spouses have group health insurance through their place of employment discuss which insurance plan covers more for less money

10.                   Go over your insurance plan annually to check for any changes to the policy

11.                   When you are dissatisfied with your employer sponsored group health insurance add a suggestion in the suggestion box

12.                   Try to be pre-emptive and think ahead for what your family needs will be

These are all suggestions to help you when you make that appointment with a health insurance provider in order for you to receive the type of insurance policy that will best serve you and your family. In turn, doing your homework also aids the insurance provider put together and offer you an insurance policy that is closest to what you are searching. One of the high sides is when you and your spouse are both employed.

When you both carry medical health insurance coverage, it does give you the opportunity to find the time and compare both medical health insurance policies to see which one really costs less and offers more beneficial coverage at the same time. This will afford you the opportunity to drop the health care plan that cost more while continuing with beneficial coverage for yourself, your spouse, and your children.

Try not to focus so hard on the cost because it is the coverage that will be more valuable as the years pass. When you have the responsibility of a family, children continue to grow, and there are always different issues regarding health insurance issues that must be addressed. When you only focus on the average monthly cost for health insurance, you may be hurting yourself and your family rather than helping them.

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The Importance Of Health Care Coverage In America Today

Friday, November 20th, 2009

One of the most crucial issues facing American today is importance of health insurance for American citizens. Yet currently there are 47 million Americans who are under-insured or who do not have any health insurance coverage at all. The American public is aging, the baby boomers are reaching their senior years and according to actuarial insurance statistics most individuals begin to contract major illnesses or disabilities from the age of 50 onward. These individuals cannot afford to be without health insurance. As a matter of fact, Americans of any age, social status, or walk of life cannot afford to jeopardize their health care because they are without insurance.

Medical heath care coverage is protect Americans from the event that a medical illnesses or situation should occur and there is no money to pay for the cost of treatment. Older baby boomers understand full well how much the cost of medical coverage is in America. A major operation, and treatment can cost in the thousands of dollars sometimes reaching over 100,000 dollars. Unless the individual is fairly wealthy there is no way to be able to pay these rising health care costs.

Fortunately some working Americans do have medical health care coverage through their employers. Group insurance coverage is the most economical way of making sure your health care needs are met.

Unfortunately not all employers offer any group insurance coverage and this leaves many American families uninsured. With the rising costs of health care in America, no family can really afford to go with out insurance coverage. There are just too many things that can happen. A young couple planning a family will need medical health care coverage for prenatal care, hospital stays for once the babies are born, and then doctor visits for immunizations and regular routine checkups for their children afterward. Even if a couple is young and childless there is no guarantee in life that they will always remain healthy. Doctor visits for the most innocuous things such as getting a flu shot, or going to the doctor for allergy shots will become very pricey without proper medical healthcare coverage.

Self-employed individuals must maintain a self-employed health insurance plan to protect their business. Health insurance is just as important as any other business expense. If the self-employed person can no longer work due to a temporary disability, time away from work due to an operation, or even an car accident, then that self-employed person will lose the income from their business. Besides loss of income they may actually lose their entire business if they are incapable of working for a long period of time.

American ex patriots may find themselves in a country where they cannot readily get the health care that they need. The facilities may be inferior to American standards, or the services may not be available at all. Ex patriot medical health insurance can provide needed money to pay for the costs of health care in the foreign country or provide coverage if the ex patriot must return to America for treatment.

All Americans need proper coverage. When it is not provided through an employer private medical healthcare coverage as well as state run health insurance plans are available. Do not go without proper health care find an affordable health insurance plan that meets your individual needs and the needs of your family.

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