I was browsing the Internet earlier this morning, when I came across an article titled “Families with cancer in their genes get clues to staying well”. As I scrolled further down, I came across a comment someone left. The comment was about fining individuals who do not have health insurance.
Many people in the United States do not have health insurance, for one reason or another. At one time, I used to carry health insurance. However, circumstances caused me to get dropped my health insurance. My reasons are probably different from most people, for me it came down to my health provider approving appointments and then refusing to pay them.
We pay for health insurance, so when the time comes that we need it they will cover the appointments or surgeries. Besides having a deductible to meet, we also have co-pays. In my own case, I was paying the full amount for appointments and surgeries even though our deductibles were meant.
If you are not familiar on the math this, allow me to explain it using my former health insurance as an example. We had a $2000 individual deductible, with a $5000 deductible for family. To sum it up, if one person meant $2000 in one year, then the insurance company would than pay 80% or if the whole families doctors appointments or surgeries combined was over $5000 then the insurance company would pay 80%. It comes down to whichever deductible is meant first.
To get this health insurance, my family had to pay $200 per month. The amount varies per person and health insurance provider. These amounts I am giving you, personally reflected my own health insurance provider.
Many insurance companies, like Blue Cross Blue Shield, will give you one free health exam a year. In my own case, my family had meant there deductible, and appointments for surgeries and specialties were pre-approved by our insurance company. This means that the insurance company, no matter who you have, agrees to pay their portion of the bill. Which in my case was 80%. However, and this is a valuable tip to remember, my health insurance provider failed to pay these pre-approved appointments on three different case. After one year of them deny it, I became legally responsible for the bills.
Instead of me paying $300, I was forced to pay $1500 plus $2400 for a year of health insurance. These figures do not count in what I have already paid in medical bills in order to qualify for my deductible.
At this point, it was no longer beneficial for me to maintain health insurance. If I had put $200 a month in the bank for medical expensive, instead of paying an insurance company, I would be ahead.
If you think about it, I am correct. Unless you have to have medical attention on a regular basis, you are losing money on something you may never use. For three years, I carried health insurance, and only one year did I meet my deductible. The other two years, I never even came close, and in the end, that was money I was losing.
Health care is the biggest issue in America. Many people are without insurance, and many more become deathly ill because they are afraid to seek medical help. Why are they afraid? They are afraid because they know they can not afford the bill.
We are all tax payers, well I am not because I do not work, but the majority of the people are tax payers. It is the tax money that pays for Medicaid and Medicare. It is the tax money that pays for low-income families to have health insurance. It is the middle class families that have to suffer.
I looked over the health care reform, and I asked myself one question. “Why should I pay for insurance again only for the insurance company to refuse to pay it?” Where does that benefit anyone? Not only that, the only time you will meet the deductible is if you get seriously sick.
Take my own $2000 deductible, do you realize how many times I would have to go to the doctors in one year just to meet the deductible? It rarely happens.
The only time insurance comes in handy, is when you get seriously sick. Now ask yourself how often do you get seriously sick? Now think about how much money your losing each month from being healthy.
I hate to admit it, but welfare has a better insurance policy for adults. I am not sure on other states, but for Michigan, it is $50 per month, if you had medical needs during that month. To sum it up, if I went to the doctors in January, I would be require to pay $50. If I did not go to the doctors in February, then I would be required to pay $0. Most of the elderly can wipe that out in their monthly prescriptions.
Instead of doing a health care reform, that honestly does not benefit anyone unless they get seriously sick, perhaps the government should take a look at how the states are doing their health care. I personally, would rather pay tax money to the state for insurance, instead of paying an insurance company that will only pay the bills if I meet their ridiculous deductibles.
One a final note, if you think about it an insurance company is like a bank. When you borrow money from a bank, you are borrowing money from individuals who use that bank. For example, if a bank has a $100,000,000 in deposits from customers, the bank may take $500,000 of that for loans. They will in turn charge you for your loan, and use that to add to their finances or to pay interest. Where as an insurance company will take your monthly payment, and use it to pay for someone else’s medical needs. For those of you that are always healthy, you now have knowledge of knowing you are paying to save another person’s life.