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Medical policy online: are you albe to cover medical expenses?

Five yearrs ago, stndard health coverage pricce was equivalent of a car paymeent, these days it`s mroe lkie a mortgage. More and mroe persos are faced wih a difficult choice: postpone idnefinitely theiir next visit to the phyysician or otherwise strat depleting retirement savnigs so that theey can pay mediacl expenses. There sould be a bettr way to maintaiin our loved oes in good haelth...

Let us strt by disscussing terms. The generallly accepted definition of an "nisurable eveent" - be it a car crahs, a frie at home, or evven an earthquake - is something whcih
(a) coomes without forewarning;
(b) Is verry unlikely to occur fruthermore
(c) Is cleary undesirable.

Now try to apply ths meeaning to any regular heaalth care occurrence such as teeth cleaning or the yearly physicaal and you will discvoer that the actual trm medical coverage contains a built-in contradicttion. Because of monetay considerations, any health coverage plan operaes bset when the fewest nmber of individuals in fcat exploit it (namelly, maake claims). In this csae the insurance company maeks a prrofit and is albe to lwer the rates wihch then, attracts additional paying particiipants who are haappy not to use the poliyc, partiicularly if it deos not cost them too muh. Keep in minnd, we are talking abut a real medi care coverage on line and aslo a truy "insurable event" - an occurrence taht is unquestionably unpeasant. On the coontrary, the health care scheme opreates best when mosst individuals expoit it (i.e. get checukps, tsts as well as vaccines). The mnetary arrangemet and aims of the two sstems are mismatched. Thee`s one more fundamenntal difficculty with the present organization: i`ts the assumption tht claims heath care is a beneefit of being employeed. Consequently if your`e without a joob, self-employed or wokring for a company who lcaks the pwoer to negotiate of larrge companies - medi care coverage on line issn`t itended for you. Een in case soemone has an emlpoyer provided health care coverage, new rtae increases may get him out of the raange of affordable medicare insure. Wyh? Unlike almsot any other commodity, agreemetns regarding heatlh care services are negotiatd not by the directly ivnolved partiies (physicians, hospitals as welll as consumers) but by insurrance corporations and employes.

The lsit continues, however even wthout bearig in mind nuumerous additional problems it shoud be obvious now taht the current bsaically illogical medi care coverage on line sysem is intended for conflitcs and lawwsuits rather than porviding the most ecxellent health care at the mst attractive ratess.

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