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With the Presidential race in full swing it is perhaps not surprising to find that health care and in particular health insurance is towards the top of the agenda and, for tens of thousands of people, the potential for solving the problem of getting low cost insurance coverage for people with pre-existing conditions could make Hillary Clinton's plan an attractive choice. But will it work? Like most plans it sounds fantastic and promises new options for people who presently have health insurance coverage and also for the 47 million Americans who are presently without insurance coverage. It also promises to lower your premiums and provide you with better security of cover. For people with pre-existing conditions it also promises to "end discrimination based on pre-existing conditions or expectations of illness". This new plan to meet America's health insurance needs calls upon providers to work with both employers and patients to offer a high standard of health care at a price that is affordable and upon government to reform the health care system in order to both raise the quality of care and reduce costs. Now of course this is just what we all want to see but if it were really that simple why is the health care system in such a mess today and why are costs continuing to rise rather than decreasing? The truth is that this is merely the latest in a long list of proposals to sort out the health insurance system and is nothing more than pie in the sky. In effect it is little more than a political proposal that is very well written and excellently presented and will no doubt to a certain extent meet its objective, which is simply to drum up votes. However, it will not do anything to improve the health care system as it is simple not based in reality. Health insurance today is big business and it has little to do with offering health care and a great deal to do with earning profits for the insurers. Now you can talk to the providers until you are blue in the face however, unless the government is willing to throw a considerable sum of money at the problem then costs will go on increasing. Anyone who has experienced private medical treatment carried out abroad will know very well that a large portion of the cost of providing care at home represents profits for the insurer and not the actual cost of providing care. You need only seek medical treatment in any of the many wonderful hospitals in the Far East for example to see that you can get the highest quality of care at a mere fraction of the cost of buying that same treatment in the United States. And if you think that the standard of treatment abroad is not as good as it is in the US then think again because a substantial number of the medical facilities throughout the Far East are staffed by highly qualified doctors and surgeons and have some of the most up-to-date equipment you will find anywhere in the world. Now you can talk about working with the insurance companies to bring costs down but the truth of the matter is that it is far from being in their interests to do so. Costs will stay high and indeed will continue to rise until the government itself takes over the responsibility for the provision of the mainstay of health care in the United States.
Article Source: http://www.articleselections.com
MedicalHealthInsuranceToday.com provides information on all aspects of affordable health insurance as well as the problems of finding affordable health insurance for pre-existing conditions
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