It Is Easy To Lose Healthcare Insurance
Many believe that the health care and insurance crisis in the United States affects and will affect someone else. They have always had healthcare insurance policies and feel that they always will have coverage. However, there are big holes in our present system and it is far too easy to fall into one of them.
Insurance agents hear this story over and over again. A potential client, let s call her Susan, will call looking for health care insurance. Susan has worked since she graduated from college and has never been without coverage.
She lost her group health care coverage about a year ago when she became too sick to do her job. She took the COBRA option. Now she is nearing the end of her eligibility for COBRA and wants to get an individual healthcare INSURANCE policy.
Her illness prevents her from being employable, but she feels fine. She is able to do most of the things she wants to do. Her doctor has told her that she is doing fine. From a medical point of view she is. With proper care, she will live a long life. However, from an insurability standpoint, she is not. The treatment the doctor expects her to get would be expensive and will cost them more than the premiums they can charge Susan. Susan is shocked when she hears this.
Susan might cry. She might be angry. She has worked all her life and has played by the rules. Susan believes that she should qualify for affordable health care care.
Susan learns from the agent that there is a state sponsored program that she will qualify for. However, it is two or three times the cost of the COBRA plan that she can barely afford. So although there is a program that she qualifies for medically, she cannot possibly afford to pay for it. Susan is out of work and has cut back on everything in order to survive.
What does Susan do? She might pray that she has no major health care event until she qualifies for Medicare. She might purchase the state sponsored program with help from her daughter. Either way she will probably worry about her state of wellness and her financial standing all the time.
Another call health insurance brokers get a lot is the one from Bill. Bill s daughter Lisa has been covered byhis health insurance policy since her birth. Lisa is now an adult and is about to be kicked off his policy due to her age.
Lisa has all appearances of health, but she has a medical issue with her spine. She takes a costly medicine that allows her to do everything she wants to do. So long as she takes her medicine she s fine. No one outside of her herself and her parents know that she has ever had a medical condition more severe than a twisted ankle.
Lisa has had healthcare coverage all of her life, but now cannot get affordable health care coverage because she has aged out of her parents policy and is uninsurable in the private market. She is faced with the prospect of doing without her Rx and putting her health at risk. She might ask her parents to help pay for a costly state sponsored program . Lisa doesn t know that they can only afford to do this at the expense of their golden years. They have just finished paying for Lisa s education and had planned to put any extra money they earn over the next ten years into their retirement fund.
There are hundreds of thousands of Lisas and Susans around the country. These are People who have played by the rules and have lost their employer sponsored coverage due to a major sickness.
When medical insurance is tied into your employment, if you lose your employment or you lose your healthcare insurance coverage. Cancer or a heart attack or diabetes can keep you from going to work. When you are no longer able to do your job, chances are you will no longer be eligible for your employer sponsored healthcare insurance coverage. This can mean that you die before your time because you cannot afford to pay for healthcare care or medical insurance when you are no longer going to work.
This current medical care system need repair. An average Joe will have not idea that even those who have worked hard all their lives and have done what they could to qualify for health care coverage through their jobs can have their lives destroyed in our existing system. You lose your health, then you lose your employment, then you lose your health care coverage, then you lose your house. And there isn t much you can do about it in the existing system.
Author Resource:
Alston J. Balkcom has been an insurance agent since 1985. He now has several websites that help people get competitive quotes for insurance in all parts of the United States.
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