health knight

health

Home - 2019 - May

Month: May 2019

America’s Health/ Medical Care: Some Alternatives/ Options

Posted on May 27, 2019 in Uncategorized

For nearly a decade, politicians have seemingly, buried their heads, in the sand, and considered this nation’s approach to treating the health, and well – being of our citizens, and responded with bipartisan, politics – as – usual! Wouldn’t we be better served, if the response of some, was not, merely, articulating a message, about so – called, socialism, etc? It seems, many Republican opponents, to the Affordable Care Act, spent a disproportionate amount of time, merely opposing that law, rather than fixing its flaws, etc. While that law, certainly needs, tweaking, it attempted to address the fact, the richest country in the world (the United States of America), did not come, even close, to the best statistics, regarding morbidity, mortality, infant survival, and other, health – related items, as well as having the most expensive costs, for prescription drugs, in the world. Why are we, the only place, where citizens go bankrupt, trying to pay their medical bills? Why do we pay, so much more, for prescription drugs, than others pay for the exact medications? With that in mind, this article will attempt to consider, review, examine, and discuss, some of the alternatives, we might adopt, to improve upon, what we currently have.

1. The pre – ACA, status quo: Why was the Affordable Care Act, passed, during the early part of the Obama administration? What was its intent? Why was it needed? Prior to enactment, health care, in this nation, was often about, the haves, and have – nots! More and more, health insurance companies, appeared to be, wagging the dog, instead of health professionals! Individuals with pre – existing conditions were often, denied coverage, rates often accelerated, as we aged, and every year, quality medical/ health insurance, became more, and more expensive! Many millions had no, or very limited insurance coverage, and we often witnessed, people being forced to choose between quality care, and eating! Those supporting the act, seemed to believe, our citizens needed, and deserved, better care, and, quality treatment/ care. For many, they felt, medical/ health care, should be, a right and guarantee, rather than a possibility, only for the richest!

2. ACA passage: When the act, was passed, it was largely among party lines, and at the time, Democrats were the majority party. While the basic intent of the legislation, was well – intended, because of the nature of our political system, it was somewhat flawed, and many ramifications and contingencies, were not fully considered, etc. The costs did not decrease, as promoted, and while, they probably increased at a slower pace, it still hurt many of us! Instead of improving the details, and fixing it, properly, the Republicans devoted their time, and energy, to constantly, trying to repeal it, but, without offering any viable alternatives, and/ or solutions, to solve the challenges.

3. The Trump alternative/ strategy: When Donald Trump, ran for President, he articulated a message, declaring, he would fix the health care system, and it would be better, and less expensive. He promised, it would be easy, and created a slogan, Repeal and replace, as if, he had the secret formula! Rather than admitting the plan, his supporters proposed, was different, but worse, and was defeated, he reverted to his customary, blaming and complaining, and settled for subtle ways, to destroy it. One of these steps, was having the mandatory coverage, eliminated, which, made everyone’s insurance, more expensive, Another was reducing/ eliminating, subsidies, for the neediest, and creating an Affordable Care, alternative system. The ramifications of these steps, was hurting, rather than helping! Now, Trump’s Justice Department, is supporting, legal actions, to declare the entire act, unconstitutional, without seeming to realistically, consider, the potential negative ramifications, if they get, what they seek. It seems, a lot like, someone, who kills both his parents, and pleads for mercy, because he was an orphan!

4. Proposed Medicare – for – All: While, to some, this seems wonderful, the overall analysis, appears to be, over – simplified! Medicare, itself, is a flawed system, which taxpayers, contribute to, throughout their working lives, and, still requires over $1,600 additional contribution, per year, after we turn 65. In addition, it only covers about 80% of the Part B, part, and the supplemental insurance, which completely covers, most of these expenses, now costs over $3,600 per year. Even after these expenses, one needs, either additional policy, for a prescription plan, or, risks extreme, out – of – pocket costs. One further consideration is, believing doctors, will accept these reduced Medicare rates, for their entire patient base. Doesn’t it make sense, to tweak, and improve, rather than trying to re – invent, the wheel?

Is quality care, a right or a privilege? If, like most Americans (based on many polls), you feel it’s a right, demand your elected officials proceed, accordingly, rather than, in a politics – as – usual, manner!

Is Your Health Medical Insurance Adequate For Your Needs?

Posted on May 22, 2019 in Uncategorized

Health medical insurance is needed by everyone for a variety of reasons, not the least of which is the cost of general medical care. While you may be able to find some medical facilities willing to offer 10 percent discounts on visits without medical insurance, this does not always help you. For example, the visit to the physician may be discounted; however the lab work will not be. It is the lab work, ultrasounds, Xrays, blood analysis and other machines and procedures that actually cost the most.

There are several types of plans available in health medical insurance. Most of the plans will be relative to the state in which you live. Certain states have different policies for what they will cover. In fact, moving from one state to the next may interrupt your coverage, especially if you have a pre-existing condition. A pre-existing condition covered by one company in one state may not transfer. There are many things to be cautious of when choosing health insurance, not the least of which is making sure that any pre-existing condition, even without any kind of lapse in health coverage, will still be covered.

You will need to look over the health medical insurance that your employer provides. There are different policies even within a business. Some employers offer an HMO rather than PPO plan. They may also pay a portion of your health insurance. To make sure that you are getting the coverage you need and at a decent rate from your employer, you will need to compare policies. You also need to make sure that the insurance will be enough for you. Some types of health care insurance may not be enough coverage through an employer for certain conditions.

When you are self employed or unemployed, there are still options out there for you. Medicaid is available for those who cannot get insurance through a regular insurance company. In other words, if you can’t afford the insurance from another company or they will not cover you, Medicaid is an option. For self employed individuals, most companies will offer you insurance. The coverage will be based on the needs you specify on the application. This could mean that you chose a plan for its affordability rather than its realistic help. Unfortunately, this is a fine line that many employers cross, and the days when an employee could just ASSUME that they are getting adequate health insurance coverage are long since past.

For example, insurance with a higher deductible can be harder to reach; however you typically get a better plan because of this higher deductible. The PPO will normally pay 80 percent to your 20 percent for a doctor’s visit. Medical coverage for pregnancy can also be offered, as long as the coverage is received before pregnancy becomes a pre-existing condition. You need to fully understand your medical health insurance coverage requirements before you can choose a plan that will work for you.

With self coverage policies in health medical insurance, you need to make sure the deductible you choose is something you will reach in order for the insurance to help you. You also need to make sure that the insurance company is one you can trust and that offers straightforward information regarding the policy. The legal jargon on a policy can be very confusing, but the representatives of the insurance are there to answer any questions. And if you do not ask questions, do not assume you know the answers, because in this day and age of cost cutting wherever and whenever possible, the “obvious” answer is not always the right one.

The Health Insurance Basics For Individual and Family Health Medical Plans

Posted on May 19, 2019 in Uncategorized

Let’s start with the basic terminology with health medical plans (health insurance).  There are three basic coverages to a plan, the deductible and coinsurance (coins) and the frequently used copay.  I will explain them below.

Deductible: This is what you pay out of your pocket before the insurance company pays any claims. Deductibles are on an annual basis and reset every January first. This is similar to your car or homeowners insurance policy.

Coinsurance: Once you meet your annual deductible, the insurance company shares some expenses with you until you reach your annual maximum out of pocket. Plans are written as 80/20 plans or 90/10 plans, they always add up to 100%. This is not unlimited there is a stop loss for you.
 
Co-pay: A co-pay is the amount you pay for a visit to the doctor (HMO or PPO plans) or a pharmacy prescription plan. The copay has nothing to do with the annual deductible and not all plans have co-pays.
 
What should a family look for when buying health insurance?
 
If you see the doctor a lot or your children frequently need a doctor’s care you may want a Health Maintenance Organization (HMO) plan. An HMO is a type of plan that has a network of doctors and facilities that you must go to for health care. Your health insurance company will have a list of doctors for you to choose from and the doctor you choose is the doctor you must go to when you feel sick.  You the patient is responsible for when you visit a health care facility with a co-pay, this is good for an individual or family with children that need to see the doctor many times in a year.
 
If you’re a person who does not go to the doctor a lot except for a checkup, you may want a PPO plan. These insurance plans have a network of providers that you can go to receive health care at a discounted or negotiated rate. Although there is a network of doctors who agree to the negotiated rate not all do and these are considered out of network. A PPO health plan allows you to go to out of network doctors but you will be responsible for the higher non-negotiated cost of health care.
 
The greater the insurance coverage, the higher the premium that you need to pay for individual and family health insurance.

Buying Health Insurance Online
The internet is a powerful way to shop for insurance. Most health insurance quotes from websites will let you run comparisons of all types of plans from all the top health insurance carriers. You can search and purchase insurance online without the need to talk to an agent. The prices for insurance plans are state mandated and no one website can give you a better quote than another.  Buying direct from the insurance company won’t save you money either, everybody has the same price.  Working with an agent gets you free advice and helps you sort out plans that are best for you.  So shop online, there is no obligation to buy and you can complete applications right online.

Top