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

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TITLE: Health Insurance: The-More-The-Better, Or No-

More-HMO?

AUTHOR: Irina

LENGTH: 571 words

FORMAT: 58 characters per line

CONTACT: irbonness@ureach.com

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

By Irina

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The author grants permission to publish this article, in

its entirety, electronically or in print, as long as the

bylines are included. Other articles by Irina are available

from http://www.megaone.com/hbb/savemoney/articles.html

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In the movie "John Q," Academy award winner Denzel

Washington fights the HMO restrictions to provide the

necessary cure for his dying son. When such a lackluster

topic like health insurance generates enough drama for a

Hollywood movie, you know that something must be seriously

wrong...

The problem indeed is severe. Almost 45 million Americans

are uninsured and the number continues to rise. Those

still insured are frustrated by the double-digit premium

increases outpacing all other sectors of the economy. High

costs and HMO limitations discourage seeking an immediate

medical help. As a result, "little aches" often develop

into the life-threatening illnesses and financial

disasters for some unfortunate individuals and further

escalate already intolerably high health care costs for

the rest of us.

To endure the existing health care crisis, we all must

recognize one simple fact. There are TWO DIFFERENT LEVELS

of health care needs that must be covered with two

separate tiers of payment. One level is catastrophic

illness - and for that, insurance may still be the answer.

Policies that carry a high deductible (say $5,000 a year)

are relatively inexpensive, even when the coverage is very

high ($1 million or more) or unlimited. That is because

most people do not get catastrophic illnesses or injuries.

In fact, most of us only need health maintenance and

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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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