Myth #5: Most Americans like their private health insurance and want to keep it.
First off, let’s start with the fact that in 2007 46 million Americans in this country have NO health care whatsoever. Not Medicare, not Medicaid, nothing. So that’s 18% of the population who either cannot afford health care or will not qualify because of preexisting conditions. Then there are the people who’ve been in the hospital for costly procedures who had to battle the insurance companies in order to get treatment. A retired nurse from Texas testified before Congress that when she was diagnosed with aggressive breast cancer, Blue Cross Blue Shield sent her an email informing her that because of an issue with her with her application(the company had mistaken her dermatologist’s notes on acne as a precancerous condition) her policy was being dropped. This was days before she was supposed to undergo a lifesaving hysterectomy. This practice, known as rescission, is often done by health insurance companies after one of their customers with an individual policy submits a claim for an expensive medical treatment. They
As a concerned American citizen, I feel compelled at this time to express some strong personal convictions about what is happening in the United States right now with health care reform. In recent months and especially in the last few weeks, this has swelled into a big issue, almost rivaling the economic crisis in media attention and in many Americans’ minds. Why?
“Health care plan?”
Well, for one thing, everyone recognizes that the U.S. health care system is in dire need of reform (and frankly, just about every other system in this country run by the federal government is in the same boat). The percentage of Americans who lack health insurance has grown substantially in recent years, medical costs have skyrocketed, and many people are not getting the health care they need. Health care is a complex multifaceted issue that involves both the public and private sectors and directly affects all Americans sooner or later. Thus, reform of this system is a big project likely to draw wide attention.
But more than that, health care reform
In this article today I’d like to give you several tips, tricks, and tactics to help you find free or very low cost medical care; yes it’s out there!
“Universal health care”
Unless you’ve been living on Mars for the last few years you probably have noticed that medical costs have skyrocketed through the roof, and that includes health insurance as well. Within the last two or three years many people have noticed their health insurance premiums doubling or even tripling in cost with no end in sight.
“Health care tips”
It doesn’t matter which side of the aisle you fall into when it comes to congressional health care reform, one thing is for sure… anything we can do to lower our medical costs personally is a great thing.
Fortunately for all of us there are several things you can do to find cheap or even free medical care and that’s what I’m going to talk about in this article today.
The first thing
Obesity is America’s number one health problem. It commonly leads to diabetes, Type 2, heart disease, kidney disease, and sometimes cancer.
According to a recent report quoted by the New York Times, obese citizens spend about 42% more per year on health care than normal-weight Americans.
“Obesity, and with it diabetes, are the only major health problems that are getting worse in this country, and they’re getting worse rapidly,” Dr. Thomas R. Frieden, director of the Center for Disease Control, said.
If obesity is driving up health care costs, what can we do about it? Ask doctors to charge less? Make the drug
companies provide free diabetes medicines and diet pills to obese people? Ask the insurance companies to provide their services for free?
Maybe we could nationalize the whole health care system and force all American taxpayers share the cost equally of caring for these unfortunate Americans who are the victims of…what? The restaurant industry! That’s it! Fast food and Doritos did it to them! Lays potato chips: “Bet you can’t have just one!” They dared these poor souls to become addicted to
Senator Ted Kennedy has shown true leadership in his quest for health care reform over the last four decades. I’ve been a small business owner for the last several years, after having been with two global technology companies. Health care reform and insurance, in particular, is critical to our country. Without it, we will certainly be driven into far more financial turmoil than we are in today.
I recently read Senator Ted Kennedy’s health care reform article printed in Newsweek called “The Cause of My Life”. In this article Mr. Kennedy talks about why he has tirelessly lobbied for universal health care throughout his career.
Mr. Kennedy has had plenty of tragedy and medical issues throughout his family’s life. Health care reform became a rallying cry for him when his 12 year old son, Teddy, had his right leg amputated because of cancer. During his son’s cancer treatments, he met and spoke with many families, who unlike the Kennedy’s did not have the ability to afford quality medical care.
As a small business owner with two children, we are all too acutely aware of how important it
Do you really have an idea how essential affordable health care is for every American citizen? Affordable health care ensures appropriate medical care facilities so as to keep the future of progeny secured beforehand. Nothing comes easy as it seems to be and affordable health care is too distant a dream. Most of the medical treatments are just not in consonance with the size of an average American’s pocket. In such dire conditions what one needs is an affordable health care which entitles you to have secured back up whenever your family requires proper medical attention.
Even if you seek a simple body diagnosis, then do not expect best health care because the cost would drain half of your month’s salary. What would be the case if you have to undergo some major medical treatment, you will end up taking medical loans which will be a liability on your children in future. Spare yourself from such atrocities of medical expenses and resort to an effective affordable health plan which takes cares you health.
In such conditions it becomes essential to find out ways for best health services. Instead of waiting
The Obama health care plan, whether you believe in all of it’s tenets or not, is one that at least gets us pointed in a direction. Putting it another way, the cost of inaction will drive us even further into a country that cares more about political lobbying than the real needs of our people. It’s important to really understand what Mr. Obama’s health care plan is about in order to make a fair judgment one way or the other.
I’m a small business owner without the comforts of a big company medical plan. Fortunately for me, my wife IS employed by a large company and we DO have decent, not great health care. But, what if neither of us had this luxury? I was with two of the largest technology companies in the world, Oracle and HP, but was eventually laid off some years back, like so many other unfortunate individuals.
The Obama health care plan is trying to fix some serious flaws in it’s system. I recently visited a terminally ill college friend of mine. He was initially denied even a visit to the hospital. He finally got
Lean production (Lean) is a type of quality improvement methodology which has been implemented in many industries. Its principles and practices also have been applied to health care organizations with success. This has been accomplished with refinement for the nuances of health care. Lean is a process management philosophy which has its roots in manufacturing and technology. It was developed as part of the Toyota Production System for the process assembly of automobiles (Toyota Motor Corporation, 2009). The Toyota System is comprehensive and spans a large number of methods and practices. It was initially influenced by the work of W. Edwards Deming and Henry Ford and was also inspired by innovation in the American grocery store industry of the 1950s (Keller, 2006). This is reflected in the Just-in-Time philosophy of productivity improvement, which emphasizes producing quality products efficiently through the complete elimination of waste, inconsistencies, and unreasonable requirements (Toyota Motor Corporation, 2009). Though the Lean methodology was initially developed as part of an overall system focusing on the production of automobiles, its principles also have been adapted for health care. As certain case studies indicate, Lean thinking and tools have been successfully applied to specific health
The health plan that President Obama is proposing is going to be efficient and effective. In order to be efficient it would have to be streamlined and working well, for example, there couldn’t be loads of bad debt sitting on the books. In order to be efficient, the bad debt would have to be collected and always try to be up to date or very minimal. Currently 5% of hospitals gross revenues are written off to bad debt and charity and this is before the implementation of the health care plan.
Some collectors have told me that they are worried that third party collectors or collection departments receiving payments through the proposed plan may take longer than an outside insurance agency or a personal payment could take to get paid. As debt collectors we are used to slow payers but always working on new ways that payments can be obtained more quickly rather than slower. With this new program, many collectors are worried that payments will be slower which we will be forced to accept since it is a government program. On November 25, 2008, InsideARM said that “Debt collectors who currently specialize
What we call health care is a bad deal for the consumer. The name alone is a lie. It should be called “sickness care” or even “sickness facilitation ” because, for those who are covered, it tricks them into placing the responsibility for their health on their doctor. This is a big mistake.
We are each individually in charge of our own health. How can the doctor be at our side all day and night to counsel us to “Put that cigarette out!” or “Don’t eat that cheeseburger! Remember your high cholesterol!” By the time we are forced to go in to the clinic by some scary symptom, we are already in trouble. It is too late for health care — now it’s time for drugs and scalpels.
Depending on a doctor for information on preserving your health is like closing your barn door after your horse has escaped. It’s too late for doing the easy, inexpensive course of action. Now, you’re in for it!
So, forget about health care. Health care is not about health. It is all about getting you back on the factory floor
Almost half of the nearly 5 trillion dollars in medical and health care related activities can be accounted for in the US. It is obvious that our country has well trained professionals, outstanding technology and a vast array of medication designed to address health concerns. Yet, why is medical care so costly and problematic for so many individuals to receive?
The Growth of Medical Care
For most of the worlds more developed countries the medical field is one of their largest industries. If you count the money generated by medication sales, diagnostics, nursing homes, hospitals, physicians, and other ancillary activities it is quite easy to see why the medical industry accounts for 10-20% of a country’s gross production.
In the US alone there are nearly 800,000 medical doctors, more than 5000 hospitals and millions of health care workers. One of every dozen US citizens works in health care now and this number is expected to grow. Still there are not enough workers and facilities to handle the 20 million outpatients that are currently being seen every day. This staggering amount of outpatient visits does not include the
It should be obvious by now that the U.S. health care system is not going to be happily corrected from the top down. If we truly had a free-market competitive system with many insurance companies vying for the public’s business, that should bring prices of their service down, right?
How can our President be an honest broker in a negotiation with the fabulously wealthy health insurance corporations, the pharmaceutical industry, and others who were major contributors to his election? It simply is not going to happen. These folks have spent a lot of money and time to get their corporations into a position where they have got the most profitable game in town, and — as we have seen with the heavy Wall Street influence on this administration — they are not going to be forced to give it all up, just to make the American people happy.
An article recently appeared in the newspaper by T.R. Reid, which gives a rundown of the administrative costs of various health insurance plans around the world, with ours included. The U.S. topped them all at 20% being spent on paperwork, reviewing claims,
Health policy in the U.S. heavily relies on the strategy of denial. Health care costs eat up over 16% of the U.S. Gross Domestic Product (GDP).
The typical American works two months out of every year just to cover medical treatment! Or, to put it another way, in 2007 the U.S. spent an average $7,421 per resident for health care. That same year, total medical costs were rising at 6.1% annually – far higher than the rate of GDP growth. What could you do with an extra $7,421 each year for every member of your family?
If you are healthy, you may think this cost does not apply to you. While the cost is an average, think about all the places that health care costs are hiding.
Federal income taxes – to pay for Medicaid, Medicare, and other programs
State taxes – to pay for the state’s share of Medicaid and other programs
Your health premiums – the amount you pay each month to your employer or an insurance company to cover just being insured (if you have insurance)
Several presidents have tried to push health care reform in the past, but none have been as successful as the country’s current president, Barack Obama. However, President Obama and the Democrats have created two health care bills that would not benefit the country, as they believe. Instead, these two bills would severely damage the country’s health care systems.
At this point, there is definitely a need for health care reform. Costs are skyrocketing, insurers are denying coverage based on pre-existing conditions, and insurers are charging different rates just because of someone’s medical history. The provisions that eliminate those last two problems need to be included in any health care reform bill. When someone with a health condition tries to purchase insurance, the companies will deny them because of that condition, but the patient really needs health care because of whatever condition they have. Also, a person should not have to pay a much higher rate just because of their medical history, which they mostly cannot control.
However, there are also many provisions in the two bills that would damage or even destroy the nation’s health care system. The most important
The political struggle continues over the health care system and what will finally evolve after congregational action. The house voted to repeal the healthcare reform bill and to start all over on initiatives that will target the problems in the healthcare industry with fiscally responsible actions. The senate so far has held the party line and supports the current law. Many states are challenging the constitutionality of the law and the mandate for everyone to purchase health care insurance. The constitutionality of this law will probably be decided in the supreme court.
No matter what happens in this next round of political shenanigans it is still your health that is on the line. The new system will not help you from getting sick, only you can control your own wellness.
With the great controversy raging in the nation over what direction our health care system is going to take it is critical that we as individuals begin taking responsibility for our own wellness. If we don’t take personal responsibility for our own health we may end up relying on a government or private system that can not or will not
Health Care: The History
Health care costs have skyrocketed over the last few decades. While there are numerous reasons for this, the bulk of these medical cost increases have come with advancements in medical practices and technology. Advanced procedures such as kidney dialysis, neurosurgery, MRIs, chemotherapy etc, cost money to provide. Rather than absorb these costs and go out of business, health care providers pass these costs onto insurance companies, who (also to avoid absorbing these costs and going out of business) then pass these costs off to their plan members through increased deductibles and premiums. An unfortunate consequence is this also means that those who need these treatments the most (often times the more elderly) become more expensive to cover. Health insurance companies adjust to this by either raising premiums or deductibles, or denying coverage altogether if the potential members appears to be too costly to cover. In fact, underwriting (researching potential members and deciding how much to charge in premiums and deductibles or whether or not to even cover them if it appears to be a loss) costs resources and money in itself, which again, is passed onto consumers through their
There are many health services and a proper range of health care services needs to be provided under a proper healthcare system. The United States does not have the best health care services in the world but it can be said that it has the best emergency care system around the globe. The fact behind this is that America is having highest level of poverty and income inequality among all the rich and developed nations and it affects the reach of the people to the proper health services.
Health systems are designed to fulfill the needs of the health care of some targeted nation or population. Health care planning and its proper system implementation are much more necessary for any country or government. According to the World health report 2000 “Improving performance are good health, responsiveness to the expectations of the population, and fair financial contribution.” Duckett (2004) proposed a two dimensional approach to evaluation of health systems: “quality, efficiency and acceptability on one dimension and equity on another.”
To have a best health care facilities UNICEF advises that there must be three primary steps which can then systematically improve
Nurses are at the forefront of an evolutionary wave in health care. Whether we take leadership or not will determine nursing’s future.
These ten trends can revitalize nursing if nurses break free from the confines of the medical model and use their education and skills to become wave riders.
1. Aging Boomers
Boomers are living longer. Quantity of life is driving a desire for better quality of life. This generation wants to learn how to stay vital, mobile, healthy and productive. They are looking for guidance in health promotion and wellness, not only disease prevention and treatment.
2. A 2nd Boom
Boomers Grandchildren are driving a huge demand for family health information and support for new and working moms. From birthing to family health education and sick child care, family systems need and want professional advice and innovative strategies to raise a brighter, stronger next generation.
3. Information explosion
Internet access provides health consumers with tons of information, but not the knowledge or wisdom to know how to use it without getting confused. They need knowledgeable health professionals as gatekeepers, trusted
Home health care workers are people in charge of caring for the sick, disabled and elderly in their communities. The work is usually performed within the homes or residential facilities of the people receiving care. The positions are widely available in every city, town, and suburb around the country. In fact, wherever there are people, home health care workers are and will continue to be in demand.
There are a number of reasons that people choose to seek employment in the home health care industry. Some people are attracted by the chance to help others in a very direct, even intimate way. Other health workers like the idea that you can get a well-paying job even without having a high school diploma. And, some like the flexible work hours that the position entails.
It is a good thing that many people are interested in working in this industry. The demand for health care workers continues to grow, given that the population continues to age. There will always be elderly people who need care. And, there will always be people who are mentally or physically unable to care for themselves.
All citizens of our country deserve the security of universal health care that guarantees access based on needs rather than income.
It is a fundamental human right and an important measure of social justice. The government should play the central role of regulating, financing, and providing health care. Everyone faces the possibility of poor health.
The risk should be shared broadly to ensure fair treatment and equitable rates, and everyone should share responsibility for contributing to the system through progressive financing.
The cost of health care is rising. Over the past years its expenditure have risen faster than the cost increases reported in other sectors of the economy. As a matter of fact, the free market doesn’t work for the health care system.
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There are two ways of financing health care:
The first is a private method of financing, by means of using workers’ and corporations’ money as premiums for acquisition of private insurance, which provides medical care. The established order leaves far behind 47 million people without health insurance.