Health Insurance
Transcript: $183 per month for Individual Policies: Nationwide, the average monthly premium paid for individual policies was $183. $414 per month for Family Policies: Nationwide, the average monthly premium paid for family policies was $414. $2,935 Annual Individual Deductible: The average deductible for individual policies was $2,935. $3,879 Annual Family Deductible: The average deductible for family policies was $3,879. Half of all individual policyholders paid $149 or less per month in premiums Half of all family policy holders paid $353 or less for monthly premiums. Q: What are the negatives about health insurance ? Q: What type of health insurance do you have ? I see the importance of health care reform every day in my health care practice. The current system bogs me down and gets in the way of delivering services, and that's to the folks who can afford coverage. I'm exhausted by patients not being able to afford prescription meds, and I don't care what anyone says or tries to explain, the Medicare Part D plan is awful and broken and makes no sense whatsoever. And I regret that small business owners, like my 56-year old younger brother, cannot afford health insurance as a one-man operation, or that my 64-year old older brother, now receiving SSA and able to work only limited hours as an RN to supplement that income, cannot afford insurance either. There are thousands like them. This is nuts, and we're better than this. Limited access, unaffordable premiums, medication costs that are outrageous (the belief that generics are available/affordable to all and always the same quality is simply not true), citizens of this country not eating to buy meds or keep on the lights ... who do we think we are? I have done way beyond my share of pro bono work, and if I could do it all the time, I would. That's how desperate the need for reform has become. I deliver care and negotiate these systems without outrage so as not to damage a patient's chances for mental health treatment, but what I take home with me is not the problems of my patients, but the feeling of powerlessness to help more. And powerlessness leads to alienation, and I don't ever want to go there. I don't want to drop out. People need me and others like me too much to fill in these shameful gaps. Most of all, I believe health care reform is possible -- because I still believe in our abiity to do anything once we get the big picture and commit to taking action. Q: What are some good things about health insurance ? Q: What percentage of Americans have health insurance ? Q: What are the most common type(s) of health insurance ? Depending on your age, job status, and financial condition, there are many ways that you can get health insurance, including: Health insurance provided by an employer. Health insurance that you purchase on your own. Health insurance provided by the goverment. Everyone should be covered by some form of health insurance.People are always vulnerable to injury and illnesses from their everyday activities. Whether it is an individual plan or employer- or government-sponsored coverage, having health insurance is better than not having it at all. QUIZ As medical care advances and treatments increase, health care costs also increase. The purpose of health insurance is to help you pay for care. It protects you and your family financially in the event of an unexpected serious illness or injury that could be very expensive. In addition, you are more likely to get routine and preventive care if you have health insurance. You need health insurance because you cannot predict what your medical bills will be. In some years, your costs may be low. In other years, you may have very high medical expenses. If you have health insurance, you will have peace of mind in knowing that you are protected from most of these costs. You should not wait until you or a family member becomes seriously ill to try to purchase health insurance. Q: What are some reasons you won't be able to recieve health insurance ? Health Insurance : is insurance against loss by illness or bodily injury. Health insurance provides coverage for medicine, visits to the doctor or emergency room, hospital stays ond other medical expenses.Policies differ in what they cover, the size of the deductible and/or co-payment, limits of coverage and the options for treatment available to the policyholder. Health insurance can be directly purchased by an individual, or it may be provided through an employer. Medicare and Medicaid are programs which provide health insurance to elderly, disabled, or un-insured individuals. There are a number of companies which provide private health insurance, including Blue Cross, United Healthcare, or Aetna. Health Insurance Health insurance generally covers the cost of doctors or emergency room visits, medicines, routine vaccinations and tests, surgeries, and psychological care. Depending on the type of insurance coverage you have, you may need to pay a portion of the expenses
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