If you are soon going shopping for health care insurance cover, you may find a discussion on what goes into the making of good health insurance cover useful. After all, as you will probably realize, your health insurance purchase is a very important one; one that can have very great implications in your financial life. As such, it is a purchase decision that you won’t want to get wrong.
Now in a nutshell, good health insurance cover is one that ‘provides you with peace of mind at a reasonable price.’ Yes, when you buy the health insurance cover, what you are actually purchasing is peace of mind. So the two elements that make up good health care insurance cover arise out of that assertion: peace of mind and reasonable pricing emaemj.org . These two can be further divided so that we come up with three qualities of good health insurance cover:
1. Adequate coverage: it is from this that we would go on to get the ‘peace of mind.’ You may get insurance, but if there is a huge range of conditions it doesn’t cover – so that the risk of your falling ill and being unable to access good quality health care still exists – then you would know that you wouldn’t be getting true peace of mind. Ideally, if you can afford it, and you end up with a health care insurance cover that caters for pretty much every imaginable health condition that you are at risk of, you would be getting real peace of mind. But since that ideal of having health insurance that caters for everything is pretty much unattainable for most of us, the best we can do is opt for health insurance that gives a ‘reasonable’ level of coverage
2. Trustworthiness: in order for ‘peace of mind’ part of the health care insurance equation to come true, it is important to ensure that you get the health insurance from trustworthy providers. In this regard, there are two things you should check out. The first is the health insurance provider’s record of claim payments. You can’t have peace of mind when you know that the guys you bought health care insurance from have a tendency to bounce or delay claims on legitimate conditions covered by them. Neither can you have peace of mind when you know that your insurance provider is experiencing financial difficulties and may not be in a position to finance your health care, in spite of their willingness to. So how do you ensure that the health policy you buy aces all these tests? The key would be to engage in good research, before buying into any insurance policy.
3. Reasonable pricing: unless you are one of those lucky individuals who have all the money they ever need, chances are that you will also want to know what price you are purchasing the health care insurance at. Ideally, the cost of insurance should be roughly reflective of what you would otherwise spend on health care cost, so that even on your end, the whole transaction makes financial sense. That way, you would be spending on health insurance what you would otherwise spend on health care anyway. But in this case, you would have the added advantage that you more or less ‘invest’ the money, so that whatever the state of your finances when happen to fall ill, you can access decent health care without a care on how you would go on to finance it.
The cost for ObamaCare has many Americans trying to understand how we can foot the bill. It will connect millions more Americans to a sickness industry gone wild. States are realizing that the mandates within the legislation will force them to spend money through the Medicaid program that they do not have – and unlike the federal government states don’t have a Monopoly-style printing press. States are now making the effort to fight ObamaCare in court on points of constitutionality. I have an additional idea for the states that is certain to work: disband all the medical licensing boards. At once the runaway costs of the current health system as well as ObamaCare would be stopped, the quality of care would improve, the suppression of health-option competition would be eliminated, and a new Golden Era of healing would be ushered in.
Those clutching desperately to undeserved power and profits will cry fowl and warn of danger to the public health. Their arguments are shallow and worn. Truly criminal behavior by doctors, such as sexual abuse, can readily be dealt with by the regular court system. Standards of training and competency for the most dangerous of medical procedures, such as surgery, can be maintained by an alternate system of certification.
The fact of the matter is that medical licensing boards have forced a brand of Big-Pharma medicine on the American public that does not produce the result of health for a majority of people participating. To the contrary, millions are injured every year while costs skyrocket. It should come as no surprise that President Obama struck special deals behind close doors with the key players involved: Big Pharma, hospitals, and the AMA. Yes, the states do have the power to change everything by freeing themselves of the monopolistic rules and fraudulent practices behind the excessive use of drugs that is costing so much money. The federal government can do absolutely nothing to stop them. Without the licensing boards the whole fraudulent system comes tumbling down.
The Failing Paradigm of Western Medicine
Every American appreciates the ability of Western medicine to help them in a time of true need. Accidents, injuries, surgeries, acute illnesses, and other aspects of health will always be assisted by Western medicine – as appropriate. And wouldn’t it be nice if your doctor was actually free to help you with your health concerns rather than cram drugs down your throat.