Health Insurance Crisis (Part 3)

Today we have families and single individuals who are paying their portion of the health expense through their employer who is still generous enough to afford the medical coverage. Yet, the insurance policies are almost worthless in what they will cover medically. What there are today are many young adults who have no options for medical coverage for any number of reasons.

Mothers and fathers are doing their best and trying to buy health insurance for their children, but the cost is too high. This breaks a parent’s heart and causes so much anxiety within the home, but it is what it is. There are plenty of adults without health coverage too, but mostly they are those who walk amongst the unemployed.

This is a temporary situation for the majority and when they have new employment found these same individuals will have medical health coverage again. However, obtaining individual health insurance is not a license to medical coverage when assistance is a requirement.

The reason for this is because, first the individual must make an appointment with a doctor the insurance company requires. Once the individual health insurance is acceptable by the doctor’s office the doctor and the insurance company take over from there and the individual is nothing more than a pawn along for the ride.

Reforming the industry through universal health care is necessary, but must the entire system go hand over heals. There are several good points about the insurance industry and to loose now the quality investments would hurt the mass population. The current relationship between a medical physician and a patient is a good one and needs to continue.

Medical physicians have an opportunity to learn more information about their patients which can only help. The patient on the other hand needs time to build a cordial relationship with the medical physician before trust becomes a factor. This does not occur in one or two meetings, this takes time to develop. Once an individual finally finds a medical physician whom they feel comfortable with, the health care usually runs more smoothly and freely.

Would it not make more sense to only upgrade those things that need upgrading? Besides, it would take very little effort and a lot of people would have access to the kind of medical care they so desperately need. It is not just the cost for health insurance that is in need of coming down. If the individual wants an additional optional coverage they need to revise the annual policy.