Regardless of all the discussions and the passage of the affordable care act, the increasing cost of our health insurance continues to hurt more citizens than it helps. When you couple this with the rise in unemployment it is no wonder why there are more citizens today with no health insurance than there was a few years ago. Although the correlation between obtaining a health insurance policy such as Emblem healthy NY and general full time employment remains possible, life as we know it is changing.
There are more employers today that are forfeiting health insurance coverage for their employees because of the out of control costs. There are other valid reasons why the cost of health insurance continues to rise. The wide use throughout the country with the usage of the MRI’s and other expensive medical technological breakthroughs do not come with a low price tag. It is true that using technology instead of an educated guess reduces the amount of time between talking with a medical physician and receiving an accurate diagnosis. However, even with healthy NY insurance, a portion of the cost must be passed along to the patient.
When a patient is unable to pay even a small fee for medical services, the expense is spread out among other health insurance subscribers through the renewal of an existing health insurance policy. Medical prescriptions also play an active part in the rising cost of health insurance. Each month when you return to your pharmacy to refill a particular prescription, have you noticed that the price has increased? When you return again the next month, the same medical prescription is again costing you more than the previous month. Health insurance NY is also experiencing difficulty in trying to keep up.
When the majority of active subscribers submit health insurance claims for partial reimbursement, it is costing the health insurance provider more money. Eventually, the health insurance provider is obligated to spread the cost back to the subscriber in the form of higher priced renewal health insurance policies in order to keep up with the rising cost. Perhaps now is a good time for a re-education process to help subscribers remain healthier longer by incorporating a few lifestyle changes.
Currently, there are suggested lifestyle changes that subscribers can locate through the healthy NY program. Allowing for a few changes in the daily diet, instituting a weekly exercise regimen, and keeping up with the routine office visits with a medical physician will play a role in helping to reduce the high cost of medical care and health insurance.