Different Views On Insurance Plan

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There a many different views on insurance plan in the health field. There are positives and negatives, for both the patient/consumer and the physician/caregiver have them. If you are the consumer the positives that you could include would be affordable health care, set fees for care and the ability to choose your primary care physician. Choosing your primary care physician could potentially be a negative if the doctor you choose is not under the insurance plan you select, you could end up paying more or not being seen by what you believe to be an amazing physician. If the physician you select is not in the insurance plan, you run the risk of their services not being paid by the insurance company and it all has to come out of pocket.…show more content…
There are also people like myself who work part time and doesn’t qualify for public assistance so they don’t have health insurance because it is not offered on their job and they can’t afford to pay the full amount out of pocket for health insurance. The need to supply quality health care for all U.S citizens has been a major concern for the people as well as the government from early on in our nation’s history. The ever-increasing costs of health care led to many attempts to institute national health systems, but these attempts were defeated and the development of private health insurance was instituted. Although this has brought health care coverage to many citizens it has left many people without coverage, and has not affected the cost of health care as hoped. More attempts to institute a national health system have been attempted and met with defeat, but according to (Quadagno, 2004) "legislation was successfully passed in 1965 to provide governmental financing for health care services for the elderly and the indigent” this was the introduction of the government programs Medicare and Medicaid. Even with these government programs in place the cost of health care still rose at an astounding rate and other attempts to control costs were implemented. Although fee-for-service insurance plans were still the dominant type of insurance, pre-paid medical services had been around for a long time and this type of insurance caught on
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