Will You Keep Your Health coverage
Will You Keep Your Health coverage
A good percentage of voters believe that the healthcare crisis in America affects and will affect someone else. They have always had health care insurance policies and feel that they always will have coverage. However, there are immense holes in our existing system and it is far too easy to fall into one of them.
Insurance agents hear this story over and over again. A person shopping for insurance, let's call her Susan, will call looking for health insurance. Susan has worked for decades and has never been without coverage.
She lost her employment based healthcare coverage about a year ago when she became too sick to do her job. She took the COBRA option. Now she is nearing the end of her eligibility for COBRA and wants to get an individual health care COVERAGE policy.
Her condition stops her from being employable, but she feels fine. She is able to do most of the things she wants to do. Her doctor has told her that she is doing fine. From a medical standpoint she is. With good care, she will live a long life. However, from an insurability standpoint, she is not. The good medical care the doctor expects her to get would be expensive and will cost them more than the premiums they can charge Susan. Susan is shocked when she hears this.
Susan might cry. She might be furious. She has worked all her life and has played by the rules. Susan believes that she should qualify for affordable medical care.
Susan learns from the agent that there is a state-sponsored program that Susan will qualify for. However, it is two or three times the cost of the COBRA plan that she can barely afford. So although there is health insurance that she qualifies for medically, she cannot possibly afford to pay for it. Susan is out of work and has cut back on everything in order to survive.
What does Susan do? She might cross her fingers and hope that she has no major health care event until she qualifies for Medicare. She might purchase the state-sponsored program with help from her son. Either way she will probably worry about her health and her financial standing all the time.
Another call health care insurance brokers get a lot is the one from Bill. Bill's daughter Lisa has been covered byhis health care insurance policy since her birth. Lisa is now an adult and is about to be kicked off his policy due to her age.
Lisa has all appearances of a state of wellness, but she has a medical issue with her heart. She takes a high-priced medicine that allows her to do everything she wants to do. So long as she takes her Rx she's fine. No one outside of her family and very close friends know that she has ever had a disease more severe than acne.
Lisa has had health care insurance since her conception, but now cannot get affordable healthcare insurance because she has aged out of her parents' policy and is uninsurable in the private market. She is faced with the prospect of doing without her prescription and putting her health at risk. She might ask her parents to help pay for a pricey state-sponsored program . Lisa doesn't know that they can only afford to do this at the expense of their retirement. They have just finished paying for Lisa's education and had planned to put any extra money they earn over the next ten years into their retirement fund.
There are hundreds of thousands of Lisas and Susans around the country. These are People who have played by the rules and have lost their group coverage due to a disease or injury.
When medical insurance is tied into your job, if you lose your employment or you lose your health care insurance coverage. Cancer or a heart attack an accident can keep you from doing your job. When you are no longer able to do your job, chances are you will no longer be eligible for your company healthcare insurance coverage. This can mean that you die before your time because you cannot afford to pay for health care or health care coverage when you are no longer working.
The bottom line is that our current medical care system ruins the lives of hard working Americans. What Many are ignorant of the fact people of all social strata that have done what they could to keep their health coverage through their jobs can have their financial lives devastated in our existing system. You lose your health, then you lose your employment, then you lose your healthcare coverage, then you lose your house. And there isn't much you can do about it in the present system.
Will You Keep Your Health coverage - To learn more about this author, visit Alston Balkcom's Website.
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A good percentage of voters believe that the healthcare crisis in America affects and will affect someone else. They have always had health care insurance policies and feel that they always will have coverage. However, there are immense holes in our existing system and it is far too easy to fall into one of them.
Insurance agents hear this story over and over again. A person shopping for insurance, let's call her Susan, will call looking for health insurance. Susan has worked for decades and has never been without coverage.
She lost her employment based healthcare coverage about a year ago when she became too sick to do her job. She took the COBRA option. Now she is nearing the end of her eligibility for COBRA and wants to get an individual health care COVERAGE policy.
Her condition stops her from being employable, but she feels fine. She is able to do most of the things she wants to do. Her doctor has told her that she is doing fine. From a medical standpoint she is. With good care, she will live a long life. However, from an insurability standpoint, she is not. The good medical care the doctor expects her to get would be expensive and will cost them more than the premiums they can charge Susan. Susan is shocked when she hears this.
Susan might cry. She might be furious. She has worked all her life and has played by the rules. Susan believes that she should qualify for affordable medical care.
Susan learns from the agent that there is a state-sponsored program that Susan will qualify for. However, it is two or three times the cost of the COBRA plan that she can barely afford. So although there is health insurance that she qualifies for medically, she cannot possibly afford to pay for it. Susan is out of work and has cut back on everything in order to survive.
What does Susan do? She might cross her fingers and hope that she has no major health care event until she qualifies for Medicare. She might purchase the state-sponsored program with help from her son. Either way she will probably worry about her health and her financial standing all the time.
Another call health care insurance brokers get a lot is the one from Bill. Bill's daughter Lisa has been covered byhis health care insurance policy since her birth. Lisa is now an adult and is about to be kicked off his policy due to her age.
Lisa has all appearances of a state of wellness, but she has a medical issue with her heart. She takes a high-priced medicine that allows her to do everything she wants to do. So long as she takes her Rx she's fine. No one outside of her family and very close friends know that she has ever had a disease more severe than acne.
Lisa has had health care insurance since her conception, but now cannot get affordable healthcare insurance because she has aged out of her parents' policy and is uninsurable in the private market. She is faced with the prospect of doing without her prescription and putting her health at risk. She might ask her parents to help pay for a pricey state-sponsored program . Lisa doesn't know that they can only afford to do this at the expense of their retirement. They have just finished paying for Lisa's education and had planned to put any extra money they earn over the next ten years into their retirement fund.
There are hundreds of thousands of Lisas and Susans around the country. These are People who have played by the rules and have lost their group coverage due to a disease or injury.
When medical insurance is tied into your job, if you lose your employment or you lose your health care insurance coverage. Cancer or a heart attack an accident can keep you from doing your job. When you are no longer able to do your job, chances are you will no longer be eligible for your company healthcare insurance coverage. This can mean that you die before your time because you cannot afford to pay for health care or health care coverage when you are no longer working.
The bottom line is that our current medical care system ruins the lives of hard working Americans. What Many are ignorant of the fact people of all social strata that have done what they could to keep their health coverage through their jobs can have their financial lives devastated in our existing system. You lose your health, then you lose your employment, then you lose your healthcare coverage, then you lose your house. And there isn't much you can do about it in the present system.
Will You Keep Your Health coverage - To learn more about this author, visit Alston Balkcom's Website.
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