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Online health care insurance: can you cover medical bills?
5 years ago, standard health coverage rate was equivalent of a car payment, now it`s closer to a mortgage. A growing number of individuals are faced with a tough choice: postpone for an indefinite period their coming visit to the physician or otherwise begin depleting retirement savings so that they can cover their medical expenses. There ought to be a more favorable way to maintain our loved ones healthy...
Let`s begin with terminology. The commonly agreed upon definition of an "insurable event" - be it a car crash, a fire at home, or an earthquake - is something which
(a) comes with no forewarning;
(b) Is very unlikely to happen plus
(c) Is clearly unwanted.
Now attempt to use this meaning to any regular health care event such as a visit to the oral hygienist or the yearly bodily checkup and you will learn that the actual concept medical health insurance online contains an integral inconsistency.
Because of financial considerations, any online health care coverage plan operates most efficiently in situations where the fewest amount of participants actually use the plan (namely, submit claims). In this case the insurance company creates a profit and is able to reduce the payment which then, brings additional paying participants who are glad not to use the plan, especially when it does not cost them much. Keep in mind, we are talking about a genuine medic aid insurance and a truly "insurable event" - something that is unquestionably undesirable. On the other hand, the health maintenance scheme operates best at times the majority of individuals use it (i.e. perform checkups, tests and vaccinations). The financial structure as well as aims of the two organizations are contradicting.
There`s one more fundamental setback with the current organization: it is the supposition that claims health maintenance is a advantage of employment. So in case you`re unemployed, self-employed or working for a person who lacks the power to negotiate of big firms - healthcare insurance online isn`t for you. Even in case an individual has a workplace provided coverage, new premium hikes may get him out of the range of reasonably priced online health coverage. Why? Unlike virtually any other product, agreements regarding health maintenance services are negotiated not by the directly involved groups (physicians, hospitals as well as consumers) but by insurers and employers.
The list goes on, however even without considering many additional problems it can be obvious by now that the current basically illogical health care insure operation is intended for conflicts and lawsuits rather than supplying the most excellent health care at the best rates.
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