One of the most significant issues we face today is health care and it’s one that we’ve always faced. So much so in fact that after World War 2, President Harry Truman advocated for it and yet we still don’t have universal health care for all Americans. This is something that can be attained if we’re able to develop the right plans.Right now most of the proposals suggest that what we should do is charge businesses more and force them to pay the cost of health care for their employees and then we should let people go out and pay outrageous prices for insurance companies. That’s going the complete wrong way.What we as a society have to do is set up a voucher system where everyone in the country gets a voucher. All you have to do is simply sign up for it, you don’t pay for it because “we”, as in everyone, is going to pay for this via a retail sales tax. What the voucher will do is allow you to have a choice of your doctor, your hospital, you name it. The entire medical history of every single American will be computerized so that regardless of where you are in the country, you’ll be able to go to a doctor and they’ll be able to punch in your pin and they’ll have access to your full records to review and then make entries for that visit.This is the system that the U.S. Department of Veterans Affairs uses. People that get their medications from the VA see first hand how this system works and how wonderful it is. It does away with the paper and because of that, the costs drop significantly. Paper costs money.I don’t believe that we need to raise taxes to provide universal health care. What we need to do is to make it considerably more efficient than it is right now. We should go with a voucher system and stay away from socking it to the businesses because that is not their job. We need to free up businesses so that they can be more competitive in the global marketplace and wouldn’t have to carry the cost of insurance for health care on it’s back. We’ve made that mistake for 40 years and we have to stop doing that. I think that we can arrive at a plan that is a voucher plan where everybody receives the same adequate services and then if people want more, they could pay more insurance. That is what I consider a fair universal health care plan.
It Is Less Expensive When Insured Under an AssociationOver the years, it has been repeated that it is cheaper to obtain health insurance if you are being insured under a group. An example of this is a group of union or workers or laborers within a given corporation. Although this is less expensive, there are still others who will find it difficult benefiting from it. This is because the corporations under which they work hardly provide health insurance to their employees or that these people cannot locate a scheme such as that which provides coverage to a group or under which that can benefit by belonging to that group.Sometimes in the past, employers made it habitual to contribute to the health insurance of their employees. This was considered as a portion of their payments. When the economy starting getting into recession, this benefit was gradually reduced and even eliminated. For this reason, most employees are compelled to personally take care of the cost on insuring their own health.There is an option for those living in California. What is done is that people can take care of their health through health insurance by either through an indemnity or an organized care plan. An indemnity arrangement is that in which the insured has the option to decide on whoever is making provision for the service and the insurance provider will in turn take charge of a considerable amount of this cost. The insured will also have to contribute his or her share of the cost and this is commonly known as coinsurance. This will be applicable in a situation in which the medical expenses do not go beyond a certain limit. Once this limit is exceeded, the insurer will have to pay for the whole cost.On the other hand, an organized care plan is a scheme which focuses on pre-emptive health care. This scheme is operated by an association of hospitals and certified health care providers and they often provide extensive health insurance to their clients through an agreement. Under this scheme, it will be impossible for the insured to opt for whoever will provide health insurance for him or her. At times, this is even considered unnecessary because the benefits and satisfaction always derived from the quality and measure of health care provided is greater than the option of making a choice that the client forfeits.Providing Health Care to the CommunityThere are two health care schemes which the central administration has made available to all. These are the Medicare and Medicaid.The administration does this by declaring a stage of minimum earnings and it in turn provides finances to every State so that it can better administer its individual health care arrangement. What should be taken note of is that the finances to this scheme are not always available. For this reason, qualifying for the scheme will always be a matter to be decided by the administration of each state and it will also vary. It should be noted that the main objective of the above two schemes are meant to provide health care to the feeble such as the aged, those who are handicapped, those who cannot financially make provision of their health care and especially kids. Those schemes have been referred to as MediCal and Healthy Families schemes in California.There are different health insurance schemes and all these schemes will have sets of rules and regulations which take care of them. If you intend to become part of any of such schemes, it is necessary to critically look into what they provide. You should also know that you must pay the “deductible”. This is a fixed sum that must be paid annually ahead of benefiting from health insurance covered by the policy. Keep in mind that the larger the deductible, the cheaper the rate of premium. However, most people will believe that what you pay for health insurance is not really clear when every other consideration such as those under the indemnity scheme and organized care scheme is taken into account.Of late, the administration in California made available a card for prescription drugs and this card is gotten without any charge. Every Californian is qualified to have this card. The benefit of having this card is that you will benefit from a price cut of 75% if you pay for any prescription medication. This is part of a program aimed at providing health care to the whole community.
There are many different health insurance companies in the United States. Not all are available in every state, which is one reason why there can be several top insurance companies in the country. One of these is United Health Care, a company that was founded in 1977. Its goal, like many other insurance providers, is to give customers a fair, competitive price on comprehensive health care coverage. More than 18 million people put their health care costs in the hands of United Health Care. A network of over 450,000 doctors and 4,500 hospitals that accept United Health Care insurance operate in all 50 states. This is an excellent benefit because no matter where you live or where you are traveling to, you will have a source for medical care nearby that is covered by your insurance.The plan you choose is dependent on many variables. No single United Health Care insurance plan will work for everyone, which is why there are so many coverage options today. If you are generally healthy, you will want a limited coverage plan that covers events of great catastrophe. The truth is that no matter how healthy you are today, there is always a possibility that you will suffer from a terrible accident. This is a horrible situation to imagine, but with catastrophic coverage, you know you will have some financial help.Some people are not lucky enough to avoid the doctor’s office for more than a few weeks or months at a time. If you have a condition that sends you back to the doctor’s office or hospital on a regular basis, you want United Health Care insurance coverage that will benefit you by covering a greater percentage of doctor and hospital visits. Your premium may be higher, but the savings you experience by having so many medical visits paid for will make this kind of insurance worth it to you.You may take a lot of prescription drugs. If this is the case, United Health Care insurance that helps cover these costs will certainly be beneficial. The goal of all kinds of insurance is to save you money. If you are signed up for a prescription drug plan that costs a few hundred dollars a month simply to save on a $40 medication, you see that adding this facet to your coverage does not in reality save you any money, but costs you more than you would spend without this additional coverage.If you need assistance in locating particular coverages at a pre-determined price, we can help save 50% on health insurance