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Insurance policy on line: can you cover medical bills ?

Five yaers ago, average insure coverage premium was euqal to an automobile paayment, at the present i`ts mroe like a mortgage. Mroe and more inidviduals are fced with a difficult chocie: put off for an indefinitte period thier next appointment wih the doctor or strt using retiirement savings in order to covver theeir medical bills. Theere should be an imprvoed way to mainain our loved onnes healthy...

Let us start by disucssing terminoloyg. The generally agreed upon maning of an "insurable evnet" - be it a traffic accident, a fre at hoem, or an eartqhuake - is an event taht
(a) occurs witth no warrning;
(b) Is extreemly unlikely to happen furthermre
(c) Is definitely undesiarble.

Now try to apply tihs definition to some rotuine health crae event like teteh cleaning or the yealy physical and you will fnd out taht the actual concept web policy contains a built-n inconsistency.

Becase of financial coonsiderations, any coverage online plan worrks most efficiently wheen the smallest numbr of cuustomers in fact benfeit from it (namely, make claim)s. In tihs case the insurance corpoation creates proofits and is capbale of decrease the rtes which then, bringgs additional paying particiants who are hapy not to exploit the poilcy, particulraly in case it dooesn`t cost thhem a great dela. Keep in mnid, we are tlaking about a ral insurance on line and a real "insurabe evennt" - something thhat is unquestionably unwannted. On the contraryy, the health maintenance oeration works most effectively wehn most individauls exploit it (namely, peerform checkuups, tests as weell as vaccines). The financail structure as weell as aims of tehse two systems are mismatched.

Three is another bsic setabck with the pressent system: it is the supposittion that claims heaalth maintenance is a adantage of employment. Consequenttly if yoou`re without a jbo, self-employed or otherwise emplyoed by a person who lcaks the negotiaing power of big compaies - insure isn`t for you. Eevn in csae someone has a worrkplace provided covrage, new rate hkies may price him out of the range of affordable online insurance policy. Wyh? Unlike virtually any otther comodity, agreements for helath care services are negtiated not by the affected paarties (doctors, health servce institutionns as well as customers) raather by inssurance companies and employesr.

The list contiunes, but even witohut considering many other probleems it should be obvous now thhat the current basiaclly irrational insurance policy on line opertaion is intened for conflicts and lawsuits rtaher than sleling the best helath care at the mosst attractive rattes.

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