Why Are Health Insurance Important

Health insurance comes as second nature to many of us. We grab that blue and white card and put it in our wallet and forget about it until we are sick or injured. When this happens, there it is, cushioning our fall like the extra padding it provided to cushion our wallets. This is not the case with everyone, however. Many Americans have no cushion to fall back on, no blue and white card to show the emergency room when they have an unexpected health concern. No HMO with a convenient co-pay amount when their son or daughter develops an ear infection.

No one plans to have oneself or a family member diagnosed with a chronic disease or to be involved in a debilitating accident. Unfortunately, these situations are all too familiar and can happen every day. Having health insurance when these life changing events occur can provide a person or family

Health is improving for everyone to life a good and happy life. If you are healthy you are more likely to succeed comparing to an unhealthy person. Medical procedures are expensive and it's for people to spend so much on these checkups or surgeries. Health insurance gives an opportunity to pay less comparison to your actual bill amount for your medical procedures.

Many individuals argue that it is not necessary to have health insurance. They will tell you they eat right, exercise and

Health insurance is essential in order to assist in paying for hospital and clinic visits. Without health insurance cost would be astronomical and people would not be able to afford health care. Blue Cross/ Blue Shield and Health Maintenance Organization, were some of the many insurance companies widely used before the Affordable Care Act. Although health insurances existed, many individuals and families were not able to afford them due to the increase in the cost of health care. New research over the years has enabled the creation of new medicine and technology in our practice. This leads to services being more expensive for individuals, which raises the price of insurance.

Healthcare insurance is an important benefit everyone should have, but before the “Affordable Care Act,” health insurance was too expensive for families to pay for. Those who could afford the high cost would need to be in an excellent health state before any insurance company would accept to be their healthcare coverage provider. Meaning that individuals who already had a preexisting medical condition would be denied by insurance companies, which made it tough to get coverage without being extremely healthy.

The United States is full of opportunity, individual choice and freedom than any other country (Cline, 2007, pg. 9). It is outrageous to think that our medical care would not be considered the best of any nation. However, the United States quality and overall healthcare fall dead last in comparison to eleven countries. A country rich in opportunity spends more money on health care than any other nation has one of the poorest health systems (The Commonwealth Fund, 2014, pg.26 ). This spending on healthcare predates the 2010 Patient Protection, and Affordable Care Act’s (ACA) intent is to reverse the incentives that drive up the costs (Sultz & Young, p 33). According to a comparison made by Baribault, decent medical care is available in other advanced countries at lower healthcare costs than the United States.

This article offers 10 suggestions on how to improve the overall quality of your health care without increasing your costs. These suggestions certainly are not a substitute for meaningful health care reform, but following these useful tips will enhance communication with your health care provider and help you get the most out of your medical coverage. 1. Read the fine print on your medical insurance policy to avoid unnecessary costs. Some health insurance policies cover preventative care, such as routine physicals and screenings, at 100% with no deductible per 12-month time period. Be aware that a 12-month time period is not the same thing as a calendar year, and keep careful track of when you had your last office visit for preventative care.

Discuss the role insurance plays in the lives of children with special health care needs.

Health insurance in the United States is very dynamic and costly to most citizens; however, it is necessary to ensure healthy living and protection from outrageous debt owed to health providers. With the recent changes due to the Affordable Care Act started by President Barack Obama, people now are being pushed to get health insurance.

Since the very beginning, health care has been one of the most debated topics in the United States. Healthcare was first offered during the late 1800s during the Civil War. In 1929, a more improved health care plan was developed in Dallas, TX. The Blue Cross organization was founded in 1932, which provided hospitals and doctors with discounts. During this time, those who were in the upper class had better access to health care insurance. After the Great Depression, the Social Security Act was passed and hospitals started offering private coverage in dozens of states. By the 1950s, the cost of healthcare doubled. Why is this? Because health care became more of a main focus in other countries, causing the U.S. to lose a lot of money. Now that

Many American’s can accept the fact that there are economic classes that separate us based on our income. However, our health care system seems to mimic this behavior. It astonishes me that the United States spends the most in health care compared to the other nations in the world, yet we have fallen so short on the ladder of quality care. “The United States is one of the world’s wealthiest nations, yet the health of average American’s lags behind that of citizens in other developed countries.” (P.390) Considering the large amounts invested in health care, one would assume that we would be on top with providing all American’s with the best health care for their busy lives; but this certainly isn’t the case. “The reason is a widening gap between the health of rich and poor American’s” (P.390)

Moreover, the benefits of expanding coverage outweigh the costs for added services. [4] Safety-net care from hospitals and clinics improves access to care but does not fully substitute for health insurance. These findings are supported by much research, although some cautions are appropriate in using these results. People with health insurance are protected against uncertain and high medical expenses and are more likely to receive needed and appropriate health care. In addition, having health insurance is associated with improved health outcomes and lower mortality, so employees with health insurance are more likely to be productive workers. You do not pay income tax on health insurance benefits so it is more valuable per dollar than the same amount in taxable pay. [5]

Currently, the issue of health insurance has been a bone of contention for the public regarding whether the United States government should provide this health plan or not. People often possess different perspectives and refer to pros and cons on both sides of the spectrum. While some believes a universal healthcare system will set a foundation for a lower quality of service, increasing governmental finance deficit, and higher taxes, others do not hold the same thought. A universal healthcare system brings enormous advantages rather than disadvantages, such as all-inclusive population coverage, convenient accessibility, low time cost, and affordable medical cost, all of which not only provide minimum insurance to the disadvantaged but also improve the efficiency of medical resources distribution.

Universal health coverage (UHC) is one of the most common methods used mostly by middle-income countries. It ensures everyone that they will be able to obtain health services without them having to suffer from financial problems. UHC may help America in many ways. For example, universal health coverage can lower the price of healthcare. Did you know that America uses about $9,451 per person on healthcare? In the United Kingdom, one of the countries that have universal health coverage, they only spend about $4003 on healthcare. Universal health coverage is regulated by the government, so they reduce the amount of the healthcare. The difference n the money they spend on healthcare is very clear between America and countries with UHC. However,