Inflatable Swan
Inflatable Swan
America's Health Care Crisis and what you can do about it
Whenever an election approaching, politicians talk about America's "emerging Health care crisis, "as if they actually plan to do something against it, if and when they were elected. Experts who say the costs of health care study It is one of the most serious problems the country is in terms of cost and quality of care.
Who Provides Health Insurance?
The Government
Federal, state and municipalities to insure 39 million workers (including military), 39 million Medicare beneficiaries (determined a number that increases as the first baby boomers turn 65), and 41 million Medicaid. Of course, governments need to generate any revenue themselves. Everything comes from one place: taxpayers. With an average of seven health insurance companies and Pharmaceutical lobbyists for each congressman, is it easy to understand why schlurfeln the legislature when it comes to improving health care for their constituents. (However, they all get free health insurance for life. You are probably saying, "What is the problem?")
Employer
Employer Offer health insurance to 120 million Americans. Those who choose to accept the insurance have hundreds of dollars per month from their paychecks as their share of the Premium deducted from their employers pay for health insurance. In 2005, the average worker more than $ 2,700 for his or her share of group insurance paid, provided by an employer. This does not include annual deductibles and co-payments for doctor visits, prescriptions, hospital stays, surgery, and so further. The National Coalition on Health Care reports that employee insurance premiums increased by 73% 2000-2005. Compare that with a cumulative inflation rate in the same period of 14% and a cumulative wage increase of 15%. Obviously, that 1% difference does not come anywhere near meeting the 73% premium to increase.
Of course, the employer share of premiums has increased. In fact, the NCHC web site relates this troubling information: "The health insurance Expenses are the fastest growing expense for employers. Unless something changes dramatically, health insurance costs will overtake profits by 2008. "Since the whole point of being in business for a profit, employers have to make some choices: (1) a part of the additional premium to Employees, (2) pay new employees less and give smaller raises also stop at other, (3) charge more for their products and services, and / or (4) together offers employees health insurance.
Even if you get your insurance through an employer, you must be very careful that you read and understand the Fine print. Not a doctor, without prior permission. Do not see the "network" without expecting to pay, in large part, the doctor's fee yourself. Must You go to a hospital? Let us hope that you realize and think just because you need if you call the insurance company out of the car or the ambulance, get their OK. We all know the horror stories heard people that someone who is "wrong" hospital admitted in an emergency and were denied coverage by insurance, because they do not have "an agreement" with the concerned hospital.
What about the "uninsured"?
One might think that it must "A program for uninsured help. The fact is that if you have an income, you do not qualify for a" program. " Even if you're a single mother making only minimum wage, you may not qualify for Medicaid. People without insurance, a doctor does not often fill their Prescriptions, or they shall not be less than the amount prescribed. If they get sick, they just hope to get better, and often the condition spirals into something heavier and more expensive to treat. That is where comes in the emergency room, the cost of the least of the problems are mind-boggling-over a thousand dollars to cut a mesh, for example. The hospital will try to collect. If you can not pay, your credit rating could be affected.
In October of 2006, over 46 million Americans had no health insurance. Eighty percent of them are working people and their families. Some work for an employer does not offer insurance or they do not make so little they able to buy into the program. Many are self-employed, and they feel simply can not afford the unreasonably high premiums for individual insurance, or they have pre-existing conditions and the only policy they can get exclude those.
What can you do
1st Make a choice.
The health insurance crisis is a real and growing problem. You can choose to believe that the government or your employer is rising costs or not you hit too hard for your share of the premium, or you can choose to go without insurance coverage and hope that you and your family will remain good. It is not a problem where you can take an ostrich attitude and our heads in the sand. You must make a choice.
2nd Setting up an emergency account
Many insured employees have made the choice to take control of the problem themselves by taking their own medical savings accounts. Instead of paying $ 600 - $ 1,200 a month in each Insurance policy, select it, the money in an interest-bearing account, CD, or other "safe deposit money" account. The funds are their own, whether it needs or not.
3rd Find a way to fund it
If you decide to set up a medical savings account, you may want to deposit as much money as can You as soon as possible as it can go to do the work for you interest. Even if you are working for foreign employers and group health insurance, that additional Money in your medical history savings account offers the security of knowing that you will be able to meet deductibles, co-payments and other costs keep your policy does not " covered. "Many have discovered that a good way to do this to a home-based business is open. You can work your own hours and are Your own boss as you accumulate your medical-savings nest egg. You may find that only you can also another account-one you label "could, what we always wanted "or" savings for trips. "A home-based business very well your personal response to the crisis in health care be.
About the Author
Rhonda Swan along with her husband Brian Swan is the founder of Swanlifestlye Inc. A company specializing in turnkey business opportunities that teach people how to create wealth, and live the lifestyle of their dreams. Visit www.swanlifestyle.com for more information.
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