Medical care Vs Health Insurance

I’ll be blunt and acquire right to the three points with this article.
Point 1. Health care and medical insurance should be separated.

Point a couple of. If it weren’t for the fact health insurance has come to mean medical care for most Americans there could be no health care reform.
Level 3. The only way to fix America’s health care forever is to bifurcate health attention and health insurance as they should be.

I’ll also give you three logic behind why I say this when you choose you can go to other articles rather than bother with reading this more.
Reason 1. Because health care is now paid for by an authorized health insurance premiums have improved over 100% since 2004.
Purpose 2. On average over 60% of each health care dollar is wasted inside the health insurance claims process.
Purpose 3. Because of the health insurance/health care connection Americans are increasingly being robbed of their most treasured birthright – their health.

Through government and health insurance company propaganda medical care has been synonymous with health insurance since many of us can remember. At some point who among us hasn’t thought we needed work with “benefits, ” or possibly better benefits, so we could see a doctor. We have been brainwashed by way of a system that profits monstrously from our not enough knowledge or apathy – whichever the average person case may be. We are already taught from our first paycheck that medical insurance is the be-all-end-all when it’s time and energy to take the kids to the physician for a runny nose.

Which is confirmed within days when we get bill from your doctor’s office that says the cost for that visit has been $225. 00.

The system is rigged and it’s really rigged so that each American thinks that someone else should buy their health care. More about that later.

Health care needs to be separated from health insurance just like car care is separated from motor insurance. When it’s time for an oils change can you reach in your pocket to your car insurance card to fund it? “Of course not. inches you say, “That would become ridiculous. “

I ask you now to avoid for a second and think why that you will find a bad idea.

In case you never know, let me give that you simply little primer on insurance. Insurance premiums derive from, among other things, claims – both the number and how much the claims. The individual states Department regarding Insurance ride herd over insurance firms to see that the amount settled in claims is in proportion for the amount collected in premiums. So an insurance carrier doesn’t get a rate increase unless they’ve got the claims to substantiate the particular increase. (That, by just how, is the one good service the departments of insurance serve, since as individuals we don’t possess the time nor the interest nor the resources to look all the information up. )#)

So let’s now get back to the oil change scenario and consider it again. Instead of the a single, two or three claims that you could file in a lifetime on your own car insurance, you now get filing a claim every 90 days or 10, 000 miles. What could you expect your premiums to resemble? How much would they boost? Also take this into thought; your local mechanic or oil change service will have to wait 90 to 120 days to have paid for their money for your oil change. Plus there could be layer upon layer of forms to file the claim. Truth be told, that if car insurance was like medical insurance, your local oil jockey will have to hire an entire billing department in order to file the correct forms with all the correct codes – not when – but maybe as many three to four times.

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