Health Insurance Reform Idea

It is a fact that we all need health insurance. This is especially true for those who have children. But it is expensive and many of us cannot afford it. So, why is it so expensive?

We all know that it has to do with big profits for big insurance companies. That is capitalism at its finest. Add to this the fact that medical treatment is expensive. The doctors and nurses should be paid a lot for what they do. But in addition you are paying every time you use an ice pack or a tongue depressor in a hospital. And why does it cost around $25 for a single pain killer?

All of these costs contribute to why medicine is expensive. We have not even counted the drug industry. The reality is we pay them, whether we pay directly or pay our health insurance company to pay them. This, alone, makes it acceptable. Medicine is a business and businesses are made for profit. This will probably not change any time soon.

The problem with this model is that health seems to be only for those with good insurance or lots of money. Unfortunately, that is the message we get from the health insurance industry, the medical establishment and Big Pharma.

Health Insurance

Nothing is more precious to us than having good health. Everyday people are getting more aware of the importance of having good health in order to be able to l8ive life to the fullest. But as the saying goes nothing is certain in this world, we will always have uncertainties and surprises good or bad in our life. We do get sick once in a while flu or even some major illness, or get ourselves involve in accidents. What ever the case may be these events when they happen to us could deplete our savings or even push us to bankruptcy. With the rising cost of hospital fees, laboratories and doctors' fees it is now expensive and complicated. This is where health insurance could benefit us all. Yes, health insurance may cost a lot but having no health insurance at all cost more. Medical bills incurred from an accident could burn a hole in your savings. And in cases of cancer treatments, with all the doctors' check ups, laboratory tests, and chemotherapy that one has to go through it could ruin you financially.

Health insurance could help you pay for the cost of a regular medical check ups, surgeries, contact lenses and glasses and even emergency treatments. There are two basic kinds of health insurance plan, the indemnity plan and the managed care plan. Indemnity plan is also called the fee for service plan. It has wider freedom and flexibility in the choices of the insured. He gets to pick the doctor, hospital and laboratory and other medical service provider of his choice. As long as the medical service is included in the health contract. But, the catch is the plan doesn't pay for the entire charges, instead the insured shoulders the 20 % of the payment. This kind of plan covers only illnesses and accidents but preventive care like flu shots and birth control are not included. And coverage of the cost of prescription drugs and psychotherapy will depend on the policy and the company.

Managed Care Health insurance differs from the indemnity plan in a lot of ways. First, choice of doctors, hospitals, laboratories and other medical service provider is

Valuable Health Insurance Quotes

Security and protection are two basic needs that must be seriously considered. Accidents, deaths, injuries and sickness are unpredictable occurrences, however hard we try to avoid them. By accepting the fact that life is fragile and facing reality head on, the best way to face the future is through the use of a reliable and cost-effective insurance plan.

Health insurance quotes are good sources of information when you are thinking of getting an insurance plan for yourself, your family and/or your company. You can surf the internet and find insurance agencies so that you can personally discuss policy provisions with their insurance agents or talk to customer service agents online or via the telephone.