America’s Health Care Crisis and What You Can Do About It – Who Can Help?
When facing a choice politicians talk of “America’s looming health crisis,” as if they actually plan something, if and when they are elected. Experts who say the costs of health care study, it is one of the most serious problems the country faces in terms of cost and quality of care.
Who Provides Health Insurance?
The Government
Federal, state and local governments to secure 39 millionEmployees (including military), 39 million Medicare (receiver determines a number that increases as the first baby boomers to turn 65), and 41 million Medicaid. Of course, governments have no revenue is generated. It all comes from one place: the taxpayers. With an average of 7 health insurance and pharmaceutical lobbyists for each Congressman, it is easy to understand, consider why the legislature’s feet when it comes to improving health care for their constituents. (Nevertheless,they all get free health insurance for life. You are probably saying, “What’s the big deal?”)
Employers
Employers offer health insurance to 120 million Americans. Those who decide to accept the insurance have hundreds of dollars a month deducted from their salaries than their share of the premium their employers pay health insurance. Paid in 2005, the average worker more than $ 2700 for its share of consolidated sales of insurance through an employer.This does not include annual deductibles and co-payments for doctor visits, prescriptions, hospitalization, surgery, and so on. The National Coalition on Health Care reports that employee insurance premiums increased by 73% from 2000-2005. Compare that with a cumulative inflation rate over the same period by 14% and a cumulative wage increase of 15%. Obviously, the 1% difference does not come anywhere near that increase the 73% premium.
Of course, shared by the employerto increase by premiums. In fact, the NCHC web site relates this troubling information: “health insurance expenses are the fastest growing cost component for employers. Unless something changes dramatically overhaul the health insurance costs profits by 2008.” Since the whole sense of being in business to make a profit, employers have some choices: (1) pay a portion of the additional premium to the employees, (2) for new employees less and give smaller raises to others ;(3) charge more for their products and services and / or (Stop 4), together with employees of health insurance.
Even if your insurance through an employer, you must be very careful that you read and understand the fine print. Do not see a doctor without prior authorization. Do not see from the “network” without expecting to pay, in large part doctor’s fee yourself. Do you need to go to a hospital? Let’s hope you’re aware of and think clearly, becauseYou may need to call the insurance from the car or the ambulance to get their OK. We’ve all heard the horror stories of people who rushed someone to the “wrong” hospital in an emergency and were denied coverage by insurance because they do not have “an agreement” with the concerned hospital.
About the Author
American Health Care Killed My Father (David Goldhill)
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