The Difference Between Consumer Driven Health Plans And Health Insurance
There's no question that the current state of affairs in American health care is troubled
. More and more people are going without any sort of health insurance at all simply because the cost of premiums is too high or they do not qualify. If you've been laid off and have lost your health insurance along with your job, you're hit with a double whammy.While it's good to delve into the issue of what can be done to fix the system as a whole, you need information now. If you live in Florida, knowing the difference between health insurance and consumer driven Miami health plans might make it possible for you to afford needed medical visits even if you're not covered by insurance.
Medical insurance is a hedge against the possibility that you'll need to visit a doctor or require emergency or urgent treatment of a health issue at some point in your life. What is covered by medical insurance is different now than what it used to be in the early part of the 20th century.
Then, doctors tended to be self-employed, running private practices in various communities. They negotiated payments directly with the patients themselves, which kept health care costs significantly lower than they are today, even adjusting for inflation. People could purchase catastrophic health insurance to cover the possibility that hospitalization and/or surgery might be required by themselves or a family member, but health insurance by and large was non-existent.
Today, health insurance covers part or all of most medical treatments, including routine visits to the doctor, as well as catastrophic medical care. Technological advances have made possible thousands of innovations in diagnosing and treating diseases and taking care of the results of accidents. New tests or machinery are expensive, and insurance does a good job of taking a chunk out of the costs.
Consumer driven health plans, however, are not insurance. By signing up with such a health plan, you are guaranteed discounts for various services as long as you visit participating doctors, clinics, and hospitals. The monthly cost is less, but you'll also end up paying more for all medical visits than someone with high-coverage insurance. For someone with no insurance, one of these types of Miami health plans can make it affordable to seek medical help.
A consumer driven health plan is also a good idea for someone who is very well off financially, has significant savings for medical emergencies (self insured), and is quite healthy. For others, it's a needed middle ground between being completely uninsured and paying monthly premiums for health insurance.
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