why we need health insurance ? what is meant by health insurance ?
Families must Reconsider Health Insurance. As we are all aware at this stage, the government’s proposed changes to the Medicare levy system mean that many individuals and families will be paying more for their cover than they have previously. As of the 1st of July single individuals earning more than $84,000 your 30 per cent health rebate will reduce and if you’re income exceeds $130,000 you lose all rebate privileges. For families, if your combined income exceeds $168,000 then you will also pay more towards Medicare. This has been reported throughout the news but you can find a detailed understanding of how the changes will affect you in an article found here from the Herald Sun.
These increases are, in many ways, necessary and the truth is that our health system is struggling to cope. However, for families the impact will be felt the most as family health insurance already attracts a higher premium than individual health insurance. At some point we need to realise that the relative figures don’t quite meet in the middle. Understandably many families are reconsidering the need for happily health insurance and between 27,000 (Government predictions) and 150,000(health insurance provider predictions) people are expected to reduce their insurance cover or remove it completely.
Health Insurance Comparison
These changes and increases have been brought about for the core reason that we are struggling to meet our health care provision requirements and the public arm of our healthcare service needs more capital to provide the levels of cover we expect. In this country we have a number of growing problems that have increased the strain on the health service. Firstly, we have an increasingly ageing population that requires more medical attention than ever. Thankfully we are all living longer but this puts a lot more strain on the health service as the older ages we reach the more medical care we require.
At the same time our population is growing so more people need medical care. Combine this with the global increases in the costs of healthcare provision and the increasing complexity of medicines and treatments and you can quickly see why we are having problems. The truth is that all these problems make providing state health care harder and harder. What this shows is that we need to be doing more on a government level to increase the quality and provision of healthcare throughout the country.
At a time like this, when things looks set to get worse before they get better, I personally feel that the need for private health care is greater than ever. Yes it is comparatively expensive to maintain private health care and to pay the Medicare levy but the alternatives to not having full family cover are even less appealing.
Of course, we are all entitled to emergency medical cover but the truth is that what is now considered as non-essential treatment and surgery can have a severe impact on my family’s quality of life. I don’t want my children to have to wait for medical treatment for anything and I don’t want to be in a situation where I have to say no to something I myself would prefer to have done. Health insurance can make a huge difference to life quality and comfort and I think that many of us should reconsider whether we remove it from out next family budget.
Do we need health insurance | Choose the right health insurance
Not having to wait to go to the doctor, you will not have waiting lists. Not having to go through the GP to access a specialist. The ability to choose which doctor and which hospital to receive health care within your insurance concerted. In the case of hospitalization, have a single room with the possibility of overnight companion. Faster treatments applied against high-risk diagnoses. If your health insurance allows the possibility of inter-consultations to get a second opinion. Some offer the ability to receive medical care in specialized centers abroad. If in doubt insurers offer a telephone service customer information.
How does employer health insurance and Life Insurance work.
At present, private health care is accessible for most policyholders. You just have to choose according to our economic availability and our health care needs. Also choose to secure increased funding costs or to have a full or partial coverage of medical expenses. Choose a policy just for family members such as children. Wonder how many times should go to the doctor and how much the monthly costs performed. Ask yourself: Do I want to purchase health insurance? Will insurance cover my needs? What are the benefits of private medical insurance? This way you will know if you are interested.
Go or call various insurers and see all doubts. Find out about the professionals, hospitals and contracted services, where to go for health care consultations, if you are near where you live, if you have drug coverage, if you become pregnant includes the costs of childbirth and postpartum. What are the periods of deprivation for each of the different services? Ask family or friends who have private health insurance how your benefit, that have had problems and if they are happy with the service.
What insurance company chooses?
The insurance company has experience in health care, can offer a wide choice of professionals and hospitals and provides subsidized coverage abroad? The insurance company is part of the majority and best known global healthcare market?, If so, will guarantee the performance of the services.
Evaluate the service provided for authorization procedures and address the concerns of policyholders. Do you have an information line for authorizations of medical tests that require it and do you have service through Internet, with information about health, medical advice, online medical journals and other services? In the dental field, most insurers only offer free consultations, may take over 50% of the cost of the most common treatments and excluding orthodontics, dentures, implants, etc.. Some of them do not have dental coverage. What types of dental services including the policy that is to hire?
Healthcare and Health insurance information
Government health insurance
The U.S. government offers two types of insurance to citizens, Medicare and Medicaid. Both have strict eligibility requirements that must be met before an individual can begin to enjoy the coverage. Medicaid is a joint venture between the federal government and the states and is generally administered and managed by the individual states. A state does not have to participate in Medicaid, but as of 2010, 50 states do. A state can also hire your Medicaid program by private companies. Medicaid is based on income and resources. In New York, the threshold from which a single person without children may qualify for a salary of U.S. $ 8,479 per year.
This is slightly higher for pregnant women, the blind, disabled or elderly people to 65. Medicare is the federal health plan generally offered to people 65 and older. People with disabilities and those with advanced stage renal failure may also qualify regardless of age. If you or your spouse is a citizen or permanent resident who has worked for over 10 years or more in covered employment Medicare, have renal advanced disease or you are eligible for Social Security , you may qualify for the A Medicare Plan without paying a monthly fee.
Health insurance based on employer
In the past, most people depended on its employees as the sole source of safe health. This is changing, but according to a 2008 report done by the Employee Benefit Research Institute (Research Institute of employee benefits), the insurance based on employment remains a common source of health benefits, used by most people non-elderly. Employers tend to offer coverage to employees through a company insurance health although employees often have the option of plans within the company. Some employers pay or monthly fees copagan insurance health workers, while others place all financial responsibility on employees. The insurance based on employer may only be open to new enrollment once a year or at specific times during the year. Employees often have to have worked for the company for a certain period of time to be eligible.
There are numerous companies in the U.S.. UU. offering insurance private health directly to families and individuals. The insurance private health offers many options and can often be customized to include options such benefits in visual and dental health. Customers can also choose between HMO and PPO plans, plans with high or low deductibles and benefits including prescriptions and visits to doctors and not include them. However, the insurance private can often be reluctant to cover some people with recurring health problems or a preexisting condition. The insurance private health is also more expensive, particularly for families.