Affordable Health Care Insurance Policy: Where and How to Find
- 09.28.09
- Health Care, county, Discusses, FL, healthcare, Pasco, reform
- 9 Comments
Affordable Health Care Insurance is not all that difficult to find if only you search hard enough in all the right places.
Social Contact Network
Try approaching relatives, friends, colleagues and others whom you know are already getting adequate medical coverage because they have managed to buy into Affordable Health Care Insurance Policy. Make a few phone calls, and if need be, pay those people some visits. Hear from as many as you can. Learn from them. Find out how they did it.
Professional Inputs
Another source of help could be from financial planners or investment advisors, for those of you who have engaged such services. These financial professionals may be able to offer you some ideas or suggestions.
The Internet
If you are not able to get the assistance that you need through both of the methods, you can certainly find abundant information on the Internet about Affordable Health Care Insurance. You can easily do the online search in the comfort of your home.
Affordable Health Care – Online Resources
I know of many one-stop online portals that can help people like you who are in need of and searching for Affordable Health Care Insurance with the right medical coverage. Based on your specific requirements and health care needs, these portals would typically do multiple searches for you, digging into databases of existing Health Care Insurance vendors. You can often expect to get interesting offers at the end of the search that may land you some surprisingly good deals.
In fact, once you hit the right websites, you should be able to fill out most of the online forms to expedite processing of your application for Affordable Health Care Insurance. Be prepared though, to print out some papers to sign and fax in but all you do is completely worth the time and efforts. This is because in the end you are more likely to find and secure the most Affordable Health Care Insurance Policy that you had previously been denied of.
You could very well find yourself in the happy ending of eventually securing your long overdue Affordable Health Care Insurance Policy!
Watch the video related to health care
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About Author
Ray Young writes on topics like Best Air Purifier and Student Loan Consolidation. His latest Blog seeks to inform and educate readers on rising costs of Health Care and access to Affordable Home Health Care so they can discern/decide what online resources are right for them. If these issues are also your concerns, check out Affordable Health Care.
There isn't a single government agency or division that runs efficiently; do we really want an organization that developed the U.S. Tax Code handling something as complex as health care?
"Free" health care isn't really free since we must pay for it with taxes; expenses for health care would have to be paid for with higher taxes or spending cuts in other areas such as defense, education, etc.
Profit motives, competition, and individual ingenuity have always led to greater cost control and effectiveness.
Government-controlled health care would lead to a decrease in patient flexibility.
Patients aren't likely to curb their drug costs and doctor visits if health care is free; thus, total costs will be several times what they are now.
Just because Americans are uninsured doesn't mean they can't receive health care; nonprofits and government-run hospitals provide services to those who don't have insurance, and it is illegal to refuse emergency medical service because of a lack of insurance.
Government-mandated procedures will likely reduce doctor flexibility and lead to poor patient care.
Healthy people who take care of themselves will have to pay for the burden of those who smoke, are obese, etc.
A long, painful transition will have to take place involving lost insurance industry jobs, business closures, and new patient record creation.
Loss of private practice options and possible reduced pay may dissuade many would-be doctors from pursuing the profession.
Malpractice lawsuit costs, which are already sky-high, could further explode since universal care may expose the government to legal liability, and the possibility to sue someone with deep pockets usually invites more lawsuits.
Government is more likely to pass additional restrictions or increase taxes on smoking, fast food, etc., leading to a further loss of personal freedoms.
Like social security, any government benefit eventually is taken as a "right" by the public, meaning that it's politically near impossible to remove or curtail it later on when costs get out of control.
Sure.
Oh I have an idea… Yeah, oh goody!
Let's have Federally regulated health insurance!
No I don't. Never have. People throw around the 'socialism' and 'communist' lines way too much. It seems they need to read a history book and find out what they really are.
It is an HMO plan.
It is a Capitation Plan.
Capitation: a physician gets paid a specified dollar amount, for a given time period, to take care of the medical needs of a specified group of people.
Often used in Health Maintenance Organization (HMO) Insurance Plans and became prominent in the 1980s and 90s.
For example this is how it works :
1. A physician is an HMO provider for a health plan paid at a capitation rate of $7.00 per member
2. People who have an HMO plan are required to select a primary care physician, by reviewing a list of physicians in a directory. This physician has been selected by 250 people to be their PCP
3. This physician gets paid $7.00 for each of the 250 members, or $1,750.00, each month
4. This physician is responsible for providing medical care to any of these 250 people with the $1,750.00 given
5. If the expenses are more than $1,750.00, the physician must cover the difference out of their own pocket
6. In other words, there is risk involved. The $1,750.00 capitated payment is the only amount the physician will receive from the health plan. Hypothetically, if each visit costs the physician an average of $110.00 (time, nursing, supplies, fixed costs, etc.), then the physician is able to see 16 of these 250 patients during a given month. If the physician sees more than 16 patients, then the physician is not able to cover the costs incurred for the month, and consequently, begins to lose money from this health plan contract.
7. Does this payment methodology encourage the physician to do less? Yes because they receive only a specified dollar amount each month to perform medical services to a group of people. Fee-for-service, on the other hand, continues to pay for each patient seen, without a specified limit. A physician may actually be encouraged to bill more to receive additional payments. (HMOs are often associated with Capitation, while PPOs commonly use the fee-for-service method).
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Give him a break! Pretending is what he does best. (btw..DeMint, Price and Chambliss are all from the South..[and people say we're the dumb ones] Where are Kennedy and Schumer and the gang from?
While the idea of universal healthcare might seem fabulous on the outside, I don't agree with the concept of socialized medicine. I certainly do not want the government holding my health and life in their dirty little hands. Our health care system will not be better off with their involvement.
I fail to see how social healthcare will improve society. We already see the faults our welfare system has. It's great for those who need it temporarily in desperate situations, but others abuse it long-term. The same thing would happen with healthcare, if it were offered for free by the government.
With universal healthcare, you'll be waiting 3 weeks to see a regular doctor, you probably won't have a primary physician, you'll wait 10 hours in an ER, and you'll wait months to see a specialist. Not to mention, we'll all be paying higher taxes to help pay for everyone, with a decrease in overall efficiency. This includes people whom have never worked a day in their lives, drug addicts, and alcoholics. Why should those of us who are productive members of society continue to pay for those who are not? I've lived a good, clean life. I pay my taxes. I worked for an education. Why should I be punished for doing well? It's not the American way to punish success, nor should anyone be rewarded for never contributing to the system. It's not selfish, it's realistic and fair.
If anything, healthcare does need a serious reform to make it more affordable, but not universal. We need to start with the scam artists known as HMO's, what they are charging the working class is highway robbery.
Edit:
"Do not believe the myth that you have to wait to see a Dr. if you need them because that is purely not true. The myth and right down lies about their system are abounding, I suspect that the insurance and medical industrys are the ones that say these things as they do not want to cut their profit."
-John T.
Ok, Mr. John T. I found it laughable that I was accused of being an employee of an insurance company trying to scam the public with "lies." That made my day.
That being said, it's not a myth. There are a couple of million people residing in NYC alone, not to mention how many reside in this country as a whole. Unless you live in an extremely rural area, you WILL be waiting a very long time behind others to get universal care. Along with the shortage of qualified health care personnel, the numbers are not a myth, this is fact.
You say mine was a self-centered response, but like a lot of liberals, you need to look at the bigger picture. If you keep giving things for free in this country, it makes the ideals of independence, education, and actually working to better one's life mute. They won't, because they won't have to. It's about time we all said enough is enough, and give people a hand-up, not a hand-out.
But, I digress. Carry on.
Good point. I hadn't thought of that, but I have heard that doctor's and I presume hospital's malpractice insurance is VERY expensive and of course they pass those costs along to us.
You lost every one with all your words.
The answer to your question is because the GRASSHOPPERS want, for nothing, what all the ants know that we all have to work for…(it's a long read, but worth it!)
The Story of THE ANT AND THE GRASSHOPPER
Traditional Version:
The ant works hard in the withering heat all summer long, building his
house and laying up supplies for the winter.
The grasshopper thinks the ant is a fool and laughs and dances and plays
the summer away.
Come winter, the ant is warm and well fed.
The grasshopper has no food or shelter, so he dies out in the cold.
MORAL OF THE STORY:
Be responsible for yourself!
MODERN VERSION:
The ant works hard in the withering heat all summer long, building his
house and laying up supplies for the winter.
The grasshopper thinks the ant is a fool and laughs and dances and plays
the summer away.
Come winter, the shivering grasshopper calls a press conference and
demands to know why the ant should be warm and well fed while others are
cold and starving.
CBS, NBC, PBS, CNN, and ABC show up to provide pictures of the shivering
grasshopper next to a video of the ant in his comfortable home with a
table filled with food.
America is stunned by the sharp contrast.
How can this be, that in a country of such wealth, this poor grasshopper
is allowed to suffer so?
Kermit the Frog appears on Oprah with the grasshopper, and everybody
cries when they sing,
"It's Not Easy Being Green."
Jesse Jackson stages a demonstration in front of the ant's house where
the news stations film the group singing, "We shall overcome."
Jesse then has the group kneel down to pray to God for the grasshopper's
sake.
Nancy Pelosi, John Kerry & Harry Reid exclaim in an interview with Larry
King that the ant has gotten rich off the back of the grasshopper, and
both call for an immediate tax hike on the ant to make him pay his fair
share.
Finally, the EEOC drafts the Economic Equity and Anti-Grasshopper Act
retroactive to the beginning of the summer! The ant is fined for failing
to hire a proportionate number of green bugs and, having nothing left to
pay his retroactive taxes, his home is confiscated by the government.
Hillary gets her old law firm to represent the grasshopper in a
defamation suit against the ant, and the case is tried before a panel of
federal judges that Bill Clinton appointed from a list of single-parent
welfare recipients.
The ant loses the case.
The story ends as we see the grasshopper finishing up the last bits of
the ant's food while the government house he is in, which just happens
to be the ant's old house, crumbles around him because he doesn't
maintain it
The ant has disappeared in the snow.
The grasshopper is found dead in a drug related incident and the house,
now abandoned, is taken over by a gang of spiders who terrorize the once
peaceful neighborhood
MORAL OF THE STORY:
Be careful how you vote in 2008