by US Army Africa
There are two ways you can obtain health care. The first one is through the public system provided by the government and the second one is through private organizations by taking out private health insurance. But what does this policy cover? How does it work? You will find answers to these questions through the following paragraphs.
Type of coverage. A private health insurance may not cover everything. However, if you have a short-term or curable illness, this type of health insurance plan is for you. This type of cover offered by a private plan, you can get a wide array of benefits. Obviously, it can give you treatment when needed. On top of that, you’ll have the peace of mind you’re looking for knowing that you’ll gain access to the health plan whenever the need arises.
While it was mentioned that private health insurance is basically made for short-term illnesses, it doesn’t mean you won’t be able to apply for one if you have long-term ailment. However, some private health providers require some requisites to getting this type of health insurance plan. For example you may need to be at least symptom-free for a period of two to five years. Some private plan won’t cover for illnesses such as AIDS/HIV, cosmetic surgery and sex change. Be sure to check with the private health provider before signing up, this will avoid problems later.
Access to private hospitals. Since it is a private health insurance plan, it follows that you’ll have access to private hospitals around town. In some cases, this type of plan will also entitle you to go to specialist hospitals – one that will cater to the ailment you currently have. Here, the benefit is you have a choice on when and where you can be treated.
Types of medical insurance offered. As with any other types of health insurance plans, a private health insurance offers you options. You can opt for in-patient or overnight stays. There are even those that cover for treatments even when you’re not confined in the hospital. These ones are called outpatient treatments. These medical services may include things such as consultation. In other cases, you may even get health plans with overseas treatment cover as well.
After reading about private health insurance, somehow you may have understood how this type of plan works. But if in case you still have queries in mind when it comes to this health insurance plan, don’t hesitate to ask service providers. There’s always someone out there willing to help you with your concerns on this matter.
www.RonPaul.com 05 Introducing the Private Option Health Care Act by Ron Paul Most everyone agrees that health care in the United stated has major problems, the biggest problems relating to skyrocketing costs. No one doubts the system is in need of reform. However, too many in Washington see tighter government controls as the solution. In fact, the problems are rooted in past government controls that created more problems than they solved. Ironically, laws and policies in the 1970s promoting health maintenance organizations, resulted from desperate attempts to control spiraling costs. However, instead of promoting an efficient health care system, HMOs took far too much control away from patients and physicians and gave it to the insurers. This excessive reliance on third-party payers instead removed incentives for insured patients to economize on health care costs, and allowed the problem to snowball. Furthermore, the third-party payer system created a two-tier health care system where people whose employers could afford to offer Cadillac plans have access to top quality health care, while others face financial obstacles in obtaining quality health care. For these and other reasons I introduced the Private Option Health Care Act last week. This bill places individuals back in control of health care by replacing the recently passed “tax, spend, and regulate” health care law with reforms designed to restore a free-market health care system. First, the bill would provide all …
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Although I firmly believe that we have a right to the freedom to pursue good health to the greatest extent we are able, I do not believe it is a right to have healthcare provided to you. Given that, if the majority wishes for governent assisted health care, then let’s do that. Education, the Courts, Police and Law Enforcement, Fire and rescure services are all delivered directly and administered locally as approved by the state. Deliver healtcare in the same manner and save billions each year.
Brilliance. God bless Ron Paul!
Megarational; your name is like calling Hitler a humantarian. A few things and no I don’t watch Fox News; what was the projected cost for social security and how much does it actually cost? Or Amtrak? Or the Postal Service? How about Medcare? How much are our unfunded liabilities right now?
You are a fool if you believe that ObamaCare is a good idea. It is just going to sink us further into debt. For all the whining about the ppl losing their jobs, the HSA solves that problem.
@swu880
Note- capitalism & corporatism are 2 entirely separate concepts. Please look up the meanings. corporatism is what has corrupted the system of trade & the buisness cycles.
@megarational
But the thing is, u are looking at it entirely the wrong way. First off, how is it that cds, monitors, tvs, and computers have become so inexpensive yet so powerful? a few decades ago the idea of everyone carrying around gigabytes of info on a key chain was unfathomable. Now for like less than a few dollars, u can get couple GB mem
This is called capitalism
@swu880 For the senior on lower income, there was a hell of a lot bigger problem finding affordable health care insurance before Medicare.
@BloodiCheeseCake
There is no shortage of methods to increase the supply of doctors without Ron Paul’s idiotic model that puts medical costs on the backs of the sick and injured instead of spreading the costs among the largest possible risk pool.
@BloodiCheeseCake So eliminate any restrictions on the amount of people who are accepted into medial schools, provide heavily subsidized or even free med tuition for those with aptitude, and with the alternative costs of education you would have a vast increase in supply of doctors, regardless of whether they made 3 million a year or only 1/2 million $ per year.
You want more solutions: fast tracking foreign doctors getting internship once they pass the U.S. exams.
@BloodiCheeseCake So write your congressman and get involved to remove any AMA restrictions or “quota” on the number of medical students admitted.
And forget all that Ron Paul bullshit.
Isn’t price lowering a solution though? Government-imposed price controls would also lower doctors’ pay as well. Eliminating a legal restriction on the amount of people who become doctors will increase the supply of them.
@megarational The amount of doctors cannot go up if they are legally restricted. It wouldn’t matter whether the government incentivized medical training or not. Just to correct myself earlier, we experience artificial supply restriction (not surplus) which raises the prices. I’m not supporting our current system of HMOs, but neither do I support a single-payer system. I’m saying the system would work better if there were no HMOs or govt deciding payment for treatments.
@BloodiCheeseCake So you are saying that if patients could negotiate prices with the doctors it would lower their prices?
Well, if the price of a doctor is lowered, doesn’t that mean the doctor is getting less money?
And if the doctors are getting less money how is that going to help increase the supply of doctors?
Not to mention all the other loopholes I pointed out in previous comment.
@BloodiCheeseCake Your system “experiences a surplus” of doctors?
You are dreaming in technicolor. The U.S. also has a shortage of doc.s .
And doc.s are extremely frustrated at the administrative nightmare of dealing with hundreds of separate insur. co’s all with their own regulations and plans and reporting requirements. They are sick of having to fight HMO’s to get payment, and having to consult the insurance co’s as to the “allowed” treatments. Single payer = huge administrative savings.
@BloodiCheeseCake You want more doctors?
- heavily subsidized or even free med school tuition for those with aptitude
- data base so that a patient is not waiting for an operation from one doctor while another qualified surgeon has a shorter waiting list
- no matter who is paying the doctors & hospitals if the reimbursement is based on treatment of the condition rather than the number of procedures done the cost of h.c. will go down and the efficiency of doctors will go up
@megarational It’s a matter of trade-off, price controls imposed by a single-payer system do not allow the maximum supply (of doctors or whatever) and will result in shortages (ex. waiting lines). Our system experiences a surplus (due to high prices) , to solve this problem price competition must not be stifled by government limiting the supply of doctors and other interferences. Price competition is key to ensuring prices stay low.
@BloodiCheeseCake Oh, and by the way, the “best” doctor will probably have the highest prices because of a high patient load – he doesn’t need to negotiate bargain prices.
So the rich could afford good doctors, and those at lower incomes will just have to settle for whatever quack they can afford.
I see you really thought this through instead of just lapping up the Ron Paul bullshit.
@BloodiCheeseCake So when Granny falls & breaks her hip she should take the time to shop around for a doctor who will fix it at the lowest price?
If your child collapses with convulsions should you take him/her to a doctor further away because you can get a better price?
Your “model” is so full of holes you should call it the “cheese” model.
@megarational Well what I mean by negotiate prices is by a patient finding the best doctor for the best prices. And as for shortage of doctors, that’s a big reason why the American system is not doing so well. There is a shortage largely because the American Medical Association lobbies for government limits on the supply of doctors. A single-payer system is better than the current US system but it doesn’t “cover everyone”, there is rationing due to price controls.
@BloodiCheeseCake And let’s say a patient is able to “negotiate” the price of an operation down from, say $5000 down to say $3000. How does that help the patient if they don’t have $3000?
Your model just ensures that the costs of health care is put on the backs of the sick and injured instead of shared among the largest possible risk pool.
It’s a stupid and disgusting model.
@BloodiCheeseCake If doc.s’ take less for a patient who has the time to “negotiate”, what makes you think they won’t gouge the next one who needs med. attention immediately and doesn’t have the luxury of or time to negotiate?
Why should doc.’s negotiate at all since there is a shortage of doctors?:
Those are just some of the problems with your “theory”. A single payer system is the best to spread costs over the entire nation, have the size & clout to negotiate low prices, & cover everyone. .
@megarational Most Americans, or people for that matter see the issue as health insurance companies versus government insurance. We must ask bigger questions. Why let third parties pay for healthcare?
If we let self-managing doctors negotiate prices with patients (without govt or insurance companies in the way), health care prices will lower. The US healthcare problem is rising prices and if we eliminate the third party payer system altogether we can eliminate rigid price controls & lower them.
@BloodiCheeseCake Of course people can manage their own health care.
It’s paying for it that’s the problem if you are at lower income and incur an expensive illness or injury.
Fox Fiction pulled the wool over the eyes of people like you by positioning the health care debate as about “government health care” when in reality the issue was national health care financing versus for profit insurance company financing.
@theoriginalanomaly That’s how Fox Fiction turds like you distort reality and twist facts.
If you couldn’t even afford your mortgage payments, you wouldn’t be paying more for someone else’s health care. In fact you would probably qualify for h.c. premium subsidies. Result – neither person loses their homes due to h.c. costs – a complete change from the system before h.c. reform.
@megarational You know? That was actually funny! Kudos to you, sir!
@steve0281 Can’t you see? Don’t you get it?
Ron Paul spelled backward is Laup Nor.
That’s right – he’s a Klingon.
He’s come to mush your brains with an idiotic simplistic circular philosophy.
He’s doing it so that when the Klingons take over – they can round up the idiots that believed him and destroy them – thereby thinning the herd of genetically inferior humanoids.