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It Is Easy To Lose Health Insurance

Author: author4seo Total views: 157 Word Count: 837

Many people think that the medical insurance crisis in America affects and will affect others. They have always had health insurance coverage and believe that they always will have coverage. However, there are huge holes in our current system and it is far too easy to fall into one of them.nnHealth insurance agents hear this story over and over again. A potential client, let's call her Susan, will call looking for health care coverage. Susan has worked since she graduated from college and has never been without insurance. nnShe lost her job-based healthcare insurance about a year ago when she became too sick to work. She took the COBRA option. Now she is nearing the end of her eighteen month eligibility for COBRA and wants to get an individual medical INSURANCE policy. nnHer condition keeps her from working, but her prognosis is good. She is able to do most of the things she wants to do. Her doctor has told her that she is doing fine. From a medical point of view she is. With good care, she will live a long life. However, from an insurability standpoint, she is not. The the right medicines the doctor expects her to get would be expensive and will cost them more than the premiums they can charge Susan. Susan is shocked when she hears this. nnSusan might break down in tears. She might be angry. She has worked all her life and has played by the rules. she believes that she should qualify for affordable health care. nnSusan learns from the agent that there is a state-sponsored program that she will qualify for. However, it is two or three times the cost of the COBRA plan that Susan can barely afford. So although there is a medical insurance plan that she qualifies for medically, she cannot possibly afford to pay for it. Susan is out of work and has cut back on everything in order to survive.nnWhat does Susan do? She might pray that she has no major health care event until she qualifies for Medicare. She might purchase the state-sponsored program with help from her daughter. Either way she will probably worry about her health and her financial standing all the time.nnAnother call medical insurance agents get a lot is the one from Bill. Bill's daughter Lisa has been insured on his health coverage policy since her birth. Lisa is now an adult and is about to be kicked off his policy due to her age. nnLisa has all appearances of a state of wellness, but she has a medical problem with her heart. She takes an expensive prescription that allows her to do everything she wants to do. So long as she takes her medication she's fine. No one outside of her herself and her parents know that she has ever had a illness more severe than a twisted ankle.nnLisa has had medical coverage all of her life, but now cannot get affordable medical insurance because she has aged out of her parents' policy and is uninsurable in the private market. She is faced with the prospect of doing without her medication and putting her health at risk. She might ask her parents to help pay for a costly state-sponsored program . Lisa doesn't know that they can only afford to do this at the expense of their retirement savings. They have just finished paying for Lisa's education and had planned to put any extra money they earn over the next ten years into their retirement fund.nnThere are hundreds of thousands of Lisas and Susans around the country. These are People who have played by the rules and have lost their company insurance due to a health problem. nnWhen medical coverage is tied into your job, if you lose your employment or you lose your health coverage coverage. Cancer or a heart attack a major illness can keep you from going to work. When you are no longer able to do your job, chances are you will no longer be eligible for your employment based healthcare insurance coverage. This can mean that you die before your time because you cannot afford to pay for healthcare care or healthcare insurance when you are no longer going to work.nnThe bottom line is that our present healthcare care system is broken. The typical voter will fail to realize and accept is people of all social strata that have done what they could to maintain medical insurance through their jobs can have their financial lives ruined in our existing system. You lose your state of wellness, then you lose your job, then you lose your health coverage, then you lose your house. And there isn't much you can do about it in the existing system.

Article Source: ArticleChair

About the Author

Alston J. Balkcom has been an insurance agent since 1985. He now has several websites that help people get competitive quotes for insurance in all parts of the United States. You can find information about Nevada health insurance on his sites. He blogs frequently. His most recent post include one about: Health insurance benefits in America and Pre-existing conditions

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