by thinkpanama
There are several helpful tips that could guide you in your search for the best individual medical health insurance. Know and follow those guidelines.
Individual medical health insurance is truly like a huge ball of wax. It is big that many people put it idly at the back burner instead of deal with it properly. However, be reminded that buying and owning one could be among your most significant decisions to make as a consumer. That is because it could be your only hope in case your health suddenly takes a wrong turn. At the same time, the policy could also serve as your wild card in terms of your current financial plans. It is not surprising that medical bills and sickness expenses cause half of all personal bankruptcies in the US.
To date, roughly 46.6 million Americans are uninsured. You should not let yourself be counted in that statistics. If you intend to find and buy a good individual medical health insurance, the best time is now. Here are several tips that could guide you along the way.
Consider Your Location When Finding And Buying A Healthcare Insurance Plan
Be reminded that costs and premiums could vary depending on your state or city. For instance, New York has among the most expensive healthcare plans for individuals not just in the country but also in the world. Thus, before buying one, do a comparison shop so you would know which plans to choose.
Consider Your Priorities
This is especially true if you are comfortable with your current personal doctor. If you buy an individual medical health insurance, you might be directed to consult another doctor. To remedy this situation, you should check out the insurance policy network where your doctor belongs. Then, you could apply for a policy there.
Do Not Be Hesitant To Employ A Broker
Just like in real estate, a broker could also be helpful when it comes to health insurance. The professional could do all the legwork for you. He could also direct you to the best and most suited health insurer. Check the credentials of a broker first before hiring him or her.
Test-Drive Your Acquired Individual Medical Health Insurance Plan
In the industry, it is often called a ‘free look.’ You could get your investment back if you are unsatisfied with the performance of the insurer and the coverage of the plan within a set period. However, as you test the free look, make sure you follow al the guidelines set and stipulated in the plan.
Do Not Hesitate To Negotiate
You could always ask for discounts or for a lower premium. Many health insurers are open to adjust their rates and coverage based on the personal requests of their potential clients. It is time to test your negotiation powers.
When it comes to health insurance reform, California State University, Northridge economist Glen Whitman emphasizes, “We have to make sure we don’t just fix the parts that are broken. We also have to make sure we don’t actually break the parts that are working very well. And it turns out that one of the areas that America is really great at is innovation.” Reason.tv’s Ted Balaker sat down with Whitman to discuss his new Cato Institute policy analysis, coauthored with Raymond Raad, “Bending the Productivity Curve: Why America Leads the World in Medical Innovation.” Whether it’s Nobel laureates in medical fields or the most important recent medical innovations, Whitman and Raad find that the US has contributed more than any other nation, and in some cases, more than all nations combined. Whitman cites some key factors that account for America’s innovative ways, and warns that if America adopts a more centrally planned health system we may not only innovate less but we might not know what innovations we’re missing. Interview shot by Alex Manning and Hawk Jensen; it was edited by Manning. Approximately 10 minutes. Go to reason.tv for downloadable versions.
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Haha, I went and looked at the paper and found the list of the 30 greatest innovations. One of them was Viagra, which doctors rated 28/30 over 29 which was Non-sedating Antihistamines and 30 which was Bone Marrow Transplant.
Boners are more important than those? Really? The way this study chose the 30 greatest innovations was retarded.
@killerbandit,
You miss umrmecheman’s point. Deregulation works in every market. The free people fight for what they want by buying only the highest quality goods and services per dollar of their income. The firms fight for what they want through free, fair, and unhindered competition: Whoever most pleases the customer the customer achieves the greatest market share.
All commodities start as luxuries, starting with bread and water, recently, computers, now healthcare.
BeConstitutionalPeople
are there parts that are actually working?
I’m all for medical innovation, but if tens of millions of people don’t have access to that innovation, what use is it?
This interview was immensely underwhelming. It seemed like nothing more than a sycophantic brag-fest of how the US healthcare system isn’t so bad. Yes, Mr Whitman initally says that the US system is not so desirable, but I didn’t notice any substantive specifics on how we can make it better. A visit to the hospital should not cost as much as a new car.
hired 17 employees as their company grew. he didn’t start this business to screw people out of their money and just get rich. they pride themselves on delivering excellent service for a good price.
you need to rethink your baseline assumptions.
corporations are soulless. a corporation is just a structure that allows a person or group of people to form a group for business purposes. but those corps are made up of people. i have 2 uncles and an aunt who have formed a company called home warranty inc. they did this because it is an area they have expertise in an making profits will allow them to do things like pay for a house, send kids to school, oh the horrors of their greed.
and you want to know a fun byproduct of all this. they’ve
@hsfbunny
yeah, why would we want such an untested and ill-conceived…oh wait that’s right…we are the only 1st world nation in this world that doesn’t use a single payer system of some kind.
the only thing you said that i agree with is
free-market=disaster
(if i got that wrong and you didn’t say that, well don’t tell me while you still have a shred a decency left in my mind).
@umrmecheman
horseshit.
what is the primary concern of any company/corporation?
profits.
what? you thought it was concern for their employees or consumers? Or in the case of insurance companies the patients requiring medical treatment to survive and live?
Nah fuck that, making money is what they do and as much as possible consequences be damned.
So how do you make a soulless corporation /company stop and notice who they are pissing on?
Government regulation, the stronger the better.
Despite what you think, TV companies are highly regulated. It is why you can leave your house with the TV on and it doesn’t burn your house down.
hahahaha.
@Tzimnewman3
Switzerland is a member of the European Free Trade Association (EFTA). It took part in negotiating the European Economic Area agreement with the European Union. It signed the agreement on 2 May 1992, and submitted an application for accession to the EU on 20 May 1992. However, a Swiss referendum held on 6 December 1992 rejected EEA membership. As a consequence, the Swiss government decided to suspend negotiations for EU accession until further notice. Its application remains open.
thank goodness someone finally speaks up that us paying higher cost for new tech and drugs is what allows drug companies to comply with reduced price laws in other countries
if we deregulated insurance and health care and there was competition then we would see prices go down like LCD tv prices have plummeted
I’ve had this arguement with megarational before–repeatedly. He sees no way for society to progress unless it is ordered to do so. He lacks the imagination to see that most of what works in our society–in all societies, is the child of freedom.
EU plus Switzarland???
Switzarland is an EU member state like any other EU member state so they are not seperate but the same.
Like saying the US plus Florida.
Humor is intelligent and eloquent.
Using humor to point out the obvious contradictions in single payer is a deserving critique.
History is crystal clear. State controlled economies always fail. State managed industries always fail.
It amazes me that people living a free-market economy, with the best standard of living… can point to the outright disaster of communist philosophy and say “Hey, lets do that too!”
hsfbunny, megarational, I’m all for debate and argument, but perhaps you could do it in a private message? Or maybe be a bit more intelligent/ Eloquent?
This would slash costs, and make affordable coverage for 98% of the population.
Health care would be high quality and low cost, like every other free market.
You could buy coverage for less than the cost of an average cell phone plan.
Can’t afford it? What is affordable to you?
Zero?!
If it is “zero”, then good luck reaching it.
If YOU want to pay for someone’s health care, then YOU pay for it.
No matter how you twist it, your plan involves sticking a gun in my back and taking it.
Your solution, as you know, results in basic health care only for those that can afford it.
I think that speaks for itself.
Nurse practitioners setting up in Walmart: $15 flue shots, exam and drug prescription for $40.
This would create a free market. Only number 2 has a control on insurance regulation.
If you can figure out how all those points work, then you deserve an honorary degree in economics.
This would solve our problem.
For the next 100 years, anyone supporting socialized health care would be considered a fool.. That is, until people forget what they have.
Good luck.
Watch and see medical costs drop by 60% in the first 10 years, and continue to drop going forward.
Watch as doctors open clinics in shopping malls, advertise affordable quality care, send you mail inviting you to their new office for a free checkup..
3. Deregulate the insurance industry so insurance companies can operate nation wide (example: due to gov regulation, Alabama has one insurer for the whole state creating a high cost monopoly).
4. End tax breaks for employers to provide medical insurance to employees.
5. End all government paid medical programs.
Watch and see medical costs drop by 60% in the first 10 years, and continue to drop going forward.
The solution? You want to see medical care get cheap? Just like a Big Mac? Here you go.
1. End all government mandates for emergency rooms to provide care.
2. Make all medical insurance illegal. Except for standard high deductible “catastrophic” medical insurance. (Minimum out of pocked deductible $2,500. Wellness checkups free.)
And as to a Big Mac, or any other MacDonald burger, being food there is some debate on that.