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Single-Payer Health Insurance

October 26th, 2010

A single-payer health insurance system in this country would equate to rationed medical health care. We the people of this nation will be subjected to a one size fits all attitude and even more individuals will suffer the consequences. They will suffer because anyone who does not fit into the mold dictated through the Internal Revenue Service will be left behind.

It is true that our medical health care system and our health insurance system can use some upgrading, but moving to a single-payer health insurance system will hurt more individuals than it will help. This has a firm base on healthy individuals and then assisting these individuals to remain healthy by dictating their every thought and move.

Theoretically, all citizens will have affordable health insurance and receive adequate health care services when they require the need. There are a few medical health care services that are considered to be standard and will be readily available to help every individual to remain healthy throughout their lives. What will the single-payer health insurance policy cover?

  1. All medically necessary health care services
  2. Medical health care physician expenses
  3. Hospitalization and all preventive health care services
  4. Long-term health care services and mental health evaluations
  5. Reproductive health care and dental care
  6. Annual vision exams and prescription drug medication

It is being said that all individual patients will have their own personal choice of medical health care physician and may also continue to visit with the medical health care physician they have become comfortable. Are you wondering just how long this will remain in place before the Internal Revenue Services begins to decide for you?

Medical health care physicians will be placed on a different payment plan than what they are accustomed to today. This is causing many in the medical health care profession to leave the profession completely and move to foreign shores where they will have the freedom to practice their health care the way they see fit.

This is going to lead to a massive shortage in medical health care physicians in this country and rationed care will be the end result. We are adding thirty million to forty million individuals to the health insurance rolls which is going to flood the system and overwork the medical health care physicians who are remaining.

The focus will no longer be on the need of the individual, but on the economic currency flow. This is a disaster in the making unless it can be changed.

Domestic Violence Coverage

October 25th, 2010

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.

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