subject: Health Insurance Today [print this page] Health insurance has long been a staple of the medical establishment. It provides people with the financial ability to see their doctor without having to worry about crippling medical bills. For a reasonable monthly premium and sometimes a small co-pay per visit, insurance companies will pick up the rest of the medical tab to a variety of degrees.
Different plans offer different coverages. It's up to the insured to decide what type of coverage is right for them out of the wide variety of options and choices. Most insurance coverages are gained through employment. The employer receives a group rate and pays part of the bill along with the employee. This is the best way to get a good deal on insurance. The problem with this however, is that the employee has little choice about the type of insurance that is received. The employer decides which health insurance company is used so the employee has little room to explore the different opportunities available for coverage.
Some of the standard inclusions for medical coverage include: vision, dental, pharmaceutical, and several others. While it's usually not a good idea to try and save money by not carrying medical insurance, it is sometimes wise to skip out on some of the extras. For example, not everyone requires a good vision plan. Many people have very good vision and paying toward that type of coverage would just be a waste of money.
It pays to know your policy and your options before you get to the point of service. This is especially true of emergency situations. It's important to have insurance coverage that allows you to seek medical care wherever you are, whenever you need it. While there will never be an issue of being treated in an emergency situation, the cost can be extensive: ambulances, helicopters, doctors, hospitalization; it adds up extremely quickly.
For those who don't have insurance through their job, there are several government programs that provide assistance.
Tricare covers medical care for military personnel and their families. This is a great option for then men and women of the US military whose job is to protect the country.
Medicaid is a state run service that provides medical care for lower income families. It takes on several forms as each state has a slightly differing interpretation and application, but the mission stays the same. Everyone should have access to affordable healthcare. It's a basic human function to get sick and have accidents and therefore should be a basic human right to be able to receive treatment for these hindrances.
Medicare is supplied by the federal government and is mainly devoted to providing medical care for the elderly who can no longer work to pay for medical care at a time when they need it the most. Medicare also provides for those with certain disabilities.
Whatever type of coverage you and your family depend on, be grateful that you qualify and can afford it. The number of people who go without health insurance is on the rise.
by: Casey Trillbar
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