Domestic violence has been a major issue in this country for many decades. Most of the health insurance providers have always included domestic violence under the banner of pre-existing conditions and now that is beginning to change. The health insurance providers consider domestic violence a pre-existing condition because when the spouses remain together the abuse is repeated many times over.
When any medical situation is repeated and persistent, the health insurance providers have had the option to consider it a pre-existing condition. No health insurance provider can sustain major medical health care expenses on a regular basis. Depending on how badly one of the spouses are injured, the costs can mount into the hundreds of thousands of dollars.
When you consider this expense on a weekly or monthly basis, the health insurance provider can go out of business if there are multiple claims being submitted for the continual abuse. Now multiply one insured times the hundreds of individuals who are formidably injured in the course of the year and you will soon understand how this will out way the income coming in to the health insurance provider through the average monthly cost for health insurance.
Unfortunately, domestic abuse has become a sizeable expense for the health insurance providers who offer health insurance coverage regardless. The health insurance claims that are coming include many inflicted injuries, some of which can be life threatening.
1. Broken jaw, broken arms and legs
2. Fractured and broken ribs
3. Punctured lungs, broken teeth
4. Head trauma, injured spinal cord
The health insurance providers understand well the cost of rehabilitation, which can sometimes take months and years before the insured is well. Though the out of pocket expense may remain relatively low, the cost the health insurance provider must pay can place the health insurer in jeopardy.
The individual health insurance for domestic abuse may be added to the rolls of the high-risk health insurance, which will be a devastating move for the individuals who are involved with this type of lifestyle. On the other hand, it may help many domestic partners to seriously reconsider where they are at and consider making a few health care changes.
There are many domestic abuse help centers around the country, which are there to help educate those individual to a better way of living. Learning and making the necessary changes may also help to reduce the cost of the annual low cost health insurance because the individual is no longer in eminent danger.