Facts & Articles On The Different Types Of Insurance

Might Clinton Resolve The Problem Of Health Insurance For Those With Pre-existing Conditions?

As the US Presidential race heats up it is perhaps not surprising to find that health care and in particular health insurance is towards the top of the agenda and, for tens of thousands of people, the prospect of finding a solution for the problem of cheap health insurance for those with pre-existing conditions may make Hillary Clinton's plan an attractive option. But is it likely to work?

As with most proposals it sounds wonderful and promises to offer new options for people who currently have insurance coverage and also for the 47,000,000 US citizens who are presently without health insurance. Additionally, it promises to lower your premiums and give you increased security of cover. For those with pre-existing conditions it promises to "end discrimination based on pre-existing conditions or expectations of illness".

This new plan to tackle America's health insurance needs calls upon providers to work collaboratively with employers and patients to provide a high standard of health care at a price which is affordable and upon government to reform the health care system in order to both raise the quality of care and lower costs.

Now of course this is precisely what we all want to see but if it was really that easy why is the health care system in such a mess today and why are costs continuing to rise instead of decreasing?

The fact is that this is merely the latest in a growing list of plans to sort out the health insurance system and is pie in the sky. In essence it is little more than a political proposal which is extremely well written and excellently presented and will undoubtedly to some extent achieve its objective, which is simply to win votes. However, it will not do anything to improve health insurance as it is simple unworkable.

Today health insurance is big business and it has little to do with offering health care and a great deal to do with earning money for the insurance companies. Now you can of course talk to the providers all you like however, unless the US government is willing to throw a considerable sum of money at the problem then costs will go on increasing.

Anyone who has experienced private medical care overseas will know very well that a large portion of the cost of providing care in the US represents profits for the insurance companies and not the cost of providing care. You have only to seek major medical treatment in any of the many wonderful hospitals in the Far East for example to see that you can obtain the highest quality of care at a fraction of the cost of providing that same care in the US. And if you think that the standard of care overseas is not as good as it is in the United States then think again because a substantial number of the medical facilities in the Far East are staffed by highly qualified doctors and surgeons and have some of the most up-to-date equipment you will find anywhere in the world.

Now you can talk about working with the insurance companies to lower costs but the simple fact of the matter is that it is not in their interests to do so. Costs will stay high and indeed will continue to increase until the government itself decides to take over responsibility for the provision of the majority of health care in the US.

MedicalHealthInsuranceToday.com provides information on all aspects of cheap health insurance as well as the problems of finding affordable health insurance for pre-existing conditions

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