Health Insurance: The-More-The-Better, Or No-More-HMO? by Irina

routine medical procedures that comprise a totally

different level of health care needs. For these, the

present INSURANCE-based model is not the answer because it

is financially incompatible with any efficient HEALTH CARE

system.

Everyone knows that the INSURANCE works best when the

fewest number of participants actually use it (i.e. make

claims). Then the system generates profit, which lowers

the premium that, in turn, brings more paying

participants. The participants are happy NOT TO USE the

insurance, especially if it does not cost them too much.

On the contrary, the HEALTH CARE system works best when

the most people use it (i.e. get teeth cleaning, checkups

and vaccinations).

Fortunately, back in the 1980s, the idea of so-called

patient advocacy via health care savings programs was

introduced to the U.S. These programs negotiate prices

with health care providers on behalf of their members.

Since they represent large groups, the resulting discounts

are usually the same that the hospitals and physicians

give to big insurance companies.

This innovative approach benefits medical providers

because they get paid "on the spot" without enormous

paperwork and disputes with insurance companies. It also

benefits you and me by providing an access to the

discounted "insurance rates" without high premiums.

Many of such programs also allow their members to

contribute money to medical savings accounts that are tax

deductible or not taxable. Monthly membership fee is

affordable and no one can be turned down because of a pre-

existing condition.

It does not look like the current health care crisis is

going to have a Hollywood-style "happy ending". It's up to

us to analyze the situation and find the solution...

otherwise, the next blockbuster about healthcare may well

be a horror movie.

(C) by Irina 2003.

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About the Author:

Irina helps people save money on healthcare and create

steady stream of residual income working from home

http://www.megaone.com/hbb/savemoney/

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BIO:

Irina helps people save money on healthcare and create
steady stream of residual income working from home
http://www.megaone.com/hbb/savemoney/

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