There is a Solution and it is definitely not the Congressional proposal. Its one that my company thinks will improve your health coverage and significantly reduce your cost.
Congress has set up a rather awkward situation. Also until a Mandate is legislated involing more power to the IRS, everything offered would have to be taken upon the individual's sole voluntary resonsibility for the acceptance of any government program offered as there is no law to be forced upon one at this time.
The coverage currently would be up to $5,000 for an Individual and $10,000 for a family and that is the maximum per year.
There very likely will be Clinical help with Physicians. However, that aid will be limited, especially with Ancillary Services, to be within the $5,000 or $10,000 per year.
What about Ancillary Services? What is that you might ask. Its the Lab work, MRI's, Xray's, Physical Therapy, Podiatry, Opthalmology (Cateracts), Lasik Surgery, Cosmetic Surgery, Hearing Services, Mental Health Services, Chiropractic Services, Diabetic Supplies, Dental including Orthodontic Requirements (Braces), and Prescription Drugs. Can our government even come close to covering this cost and providing all of these additional and often times required services too?
Rare Case thought
I Can Afford Major Medical and I won't worry about these matters. Are You Sure ? Of course Major Medical coverage is available. It currently is equal to 85% of a house payment for the a young family of only 3.
Like the family pictured at the top of this page.
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NOW THE GOOD NEWS My company has a health coverage program that WORKS GREAT !
As an Insurance Man, I saw the Health Insurance cost skyrocketing and prepared for it. Heres what I found out and now gladly share with you.
First I explored what was being paid under the terms and conditions of the policy and then translated that into percentages I.E. Hospital, Medical Doctors, Ancillary Services (Outlined Above), Pharmaceuticals, and Supplies (Diabetic etc.).
Secondly, I observed that most of the cost factors where indeed due to Hospital and Surgical procedures. HOWEVER, THESE WERE NORMAL and NOT RESTRICTED TO "CATASTROPHIC CONDITIONS"
Thirdly, I Quickly learned that they were connected to the whomever the designated PPO is (Preferred Provider). Some companies have multiple ones to choose from. The trick here is to find out which one(s) your Doctor and Hospital are affiliated with and whom they prefer to be paid through. A WORD TO THE WISE : Each PPO has a different pre-negotiated discount percentage % of billing and payment time schedule to adhere to.
Fourth, I found the Irony to be with the "Ancillary Coverage" fees. The health Insurance companies Charge More (a higher percentage) built into the monthly premium for the M.D. visits, pharmaceuticals etc. than they do for the high cost of Hospitals and Surgeons (Drugs and Supplies while Hospitalized included).
Fifth, I found out that the great Majority of "Ancillary Coverage" had either Co-Pays or Discount Percentages (%).
An Astute Health Insurance Client for Major Health coverage will look into the exact terms and conditions of this type policy as well as all insurance policies. Personally I would, if I were shopping for Major Medical Insurance, take a GOOD SOLID HOSPITAL SURGICAL POLICY 100% coverage no deducible and combine it with a GOOD SOLID MEDICAL BENEFITS PROGRAM.
The above combination will provide one approximately 95% (maybe more) of what the best Major Medical Insurance will cover.
AND IT IS APPROXIMATELY 50% CHEAPER!
Our Health Companies: Aetna, Blue Cross / Blue Shield, Celtic, Humana,
Standard Life &Casualty, and United Health Care
A NON-INSURANCE HEALTHCARE BENEFIT PACKAGE OFFERED THROUGH AmeriPlan www.mybenefitsplus.com/royecallaway ALONG WITH SPECIFIED HEALTH INSURANCE PRODUCTS IS THE BEST DOLLAR VALUE....... THIS IS AN ALTERNATIVE WAY FOR OUR CLIENTS TO GET AFFORDABLE HEALTHCARE COVERAGE AND OBTAIN HEALTH PROGRAMS EVEN IF THEY HAVE PRE-EXISTING CONDITIONS.
IT ALSO ENABLES ONE TO BE ABLE TO PICK AND CHOOSE THE BENEFITS IN BUILDING THEIR OWN HEALTHCARE PROGRAMS. WITH OUR PERSONAL GUIDANCE, ONE SHOULD EXPECT .......
95% or MORE OF WHAT MAJOR MEDICAL WOULD PROVIDE FOR 50% OF THE COST
I'll be glad to provide you with the details about all of this. There is absolutely no obligation on your part. No one will call or even email you without your request to do so.
My Contact Information is:
Roy Callaway
6947 Everhart Road # 406
Corpus Christi, TX 78413
RoyCallaway@LifeInsUSA.com Office
roycallaway@sbcglobal.net Direct
361-808-9272