Free Health Care: Are You Dreaming? Wake up!

Are You Dreaming of Free Medical Care? Wake up!

Free Health Care: There’s been much debate over our current medical system and the insurance required to get quality care. At a price, we can all afford, it would be great to have minimal costs for our medical care. We are still only in the debate of changing the system.

For now, all we can do is learn how to get the health insurance policy to cover our needs without spending in excess or paying for coverage we’ll never use.

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What to know about “free medical care”

Free medical care: Obviously, you hope you and your family won’t have to use your health insurance policy, but in today’s society. The chances are great that you’ll need the coverage of a health insurance policy more than once during the course of a year. Without at least a minimum amount of coverage. Just a visit to a general physician and lab fees can be astronomical.

It’s important to get and maintain an adequate health insurance policy both in terms of health and financial security.

To get a health insurance policy that’s not outrageously priced.

Yet still covers your anticipated and unexpected healthcare costs there are three steps you need to take.

  • Careful evaluation of your and your family’s health insurance needs.
  • Compare health insurance policy benefits with your needs. Try to review at least three levels of coverage.
  • Your result will be a health insurance policy that’s not outrageously priced. Yet still covers your anticipated and unexpected healthcare costs.
There are several reasons why some people believe the US should have a free healthcare system:
  1. Improved access to healthcare: A free healthcare system would provide access to medical services for all citizens, regardless of their financial situation. This could lead to improved health outcomes and reduced financial burden on individuals.
  2. Reduced healthcare costs: By eliminating the need for private insurance, free healthcare could reduce the administrative costs associated with the current system and result in lower overall healthcare spending.
  3. Improved health equity: A free healthcare system could help reduce disparities in access to medical care, ensuring that all citizens have the opportunity to receive necessary medical services, regardless of their financial situation.
  4. Improved economic stability: Providing free healthcare could help reduce financial stress for individuals and families and make it easier for people to get the care they need, which could lead to improved economic stability for individuals and communities.

These are some of the reasons why advocates of free healthcare argue that it would be a positive change for the US. However, there are also concerns about funding such a system and potential issues with the quality and availability of care.

What to Consider

Free medical care: Determine Your Needs Whether you’re looking for an individual health insurance policy. Or you want to provide health insurance benefits for your employees.

It’s a good idea to carefully evaluate your needs before committing to any health insurance policy.

For the individual, consider your overall health.

Do you have chronic conditions that require regular medical visits? Are you on prescription medications on a continuous basis? Either of these situations will make you want to compare co-pays and drug coverage carefully.

Depending on your age, and stage of family planning, pregnancy coverage, and preventative care could be a major concern. If you’re nearing retirement age, getting supplemental coverage for impending Medicare benefits could be a major concern.

Everyone has his own special concerns and needs. Before you visit an insurance agent. Be sure to list your concerns and questions. Don’t hesitate to ask questions until you’re confident you have enough information to make a confident decision as to which health insurance policy you need.

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Understanding Health Insurance Coverage

Free medical care: basic Health Insurance Policy Terms As you begin to compare each health insurance policy.

The level of coverage provided make sure you understand clearly what the policy covers and what’s not covered. You’ll also want to know the levels of coverage. Listed below are a few commonly used terms to describe health insurance policy benefits. As you read these terms, understand this is a very generalized definitions, specifics of each term may vary from policy to policy.

Co-Payment

Often stated as “co-pay”, co-payment is the amount you must pay for each service.

In managed care plans, you do not need to know the full fee charged by a provider, as you will pay the same “co-pay” regardless of the fee. Co-Insurance – a policy provision, by which the insured person and the insurer share the covered losses under a policy.

In a specified ratio, i.e., 20 percent by the insured and 80 percent by the insurer.

Comprehensive Major Medical Insurance

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A policy designed to give the protection offered by both a basic and a major medical health insurance policy. Normally have a low deductible amount, a coinsurance feature, and high maximum benefits. Deductible- the amount you as the policyholder must pay before benefits begin to cover costs. Generally, the higher the deductible, the lower the monthly premium will be.

Endorsement

Sometimes called a rider, an endorsement is written to change the terms of a health insurance policy. This can occur with pre-existing conditions.

Major Medical Insurance -Health insurance to finance the expense of major illness and injury. Characterized by large benefit maximums ranging up to $250,000 or no limit, the insurance is above an initial deductible.

Reimburses the major part of all charges for hospitals, doctors, private nurses, and medical appliances. Prescribed out-of-hospital treatment, drugs, and medicines. The insured person as coinsurer pays the remainder Out-of-Pocket Cost.

The out-of-pocket cost is the total of all costs you must pay for service. This includes the annual deductible, the co-pay amount, and any fees in excess of the approved maximum charges for a service.

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Remember

As you’re reviewing health insurance policies, don’t hesitate to ask your insurance agent to explain or clarify anything you don’t understand. Comparing Health Insurance Policies Higher deductible.

Lower monthly premium, a lower deductible, higher monthly premium…. 80/20 coverage, 70/30 coverage for major medical. Various drug costs. Various co-pay amounts for primary physicians, specialists, laboratory services coverage, and the list goes on.

There are many areas of a health insurance policy that can vary, from plan to plan.

Some even have different levels from which to choose. It can be confusing, and difficult to make a decision, but as stated earlier. Comparing your current health condition and your current finances to the policies offered.

You’ll be able to make a much better decision.

For example, if you’re planning to have a child. You’ll want to carefully investigate the pregnancy coverage for each policy you’re considering.

If you take prescribed medication on a regular basis, you’ll want to make sure the terms of drug coverage meet your needs. Each health insurance policy has basic sections defining levels of coverage in each area.

The most common are:

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physical exams, health screenings, specialists’ care, hospitalization, emergency care, prescription drugs, dental, and vision care. Mental health care, and drug and alcohol abuse services, family planning, and chiropractic and alternative care coverage.

By carefully reviewing the health insurance policy to determine what’s covered. With the level of coverage in each of the above areas, you’ll be able to confidently make a choice based on coverage and costs.

Maintaining Continuous Coverage

If you lose your job, you may be able to maintain your health insurance policy. COBRA Consolidated Omnibus Budget Reconciliation Act. This coverage normally lasts 18 months. Your employer can provide you more information on COBRA.

Maintaining adequate Michigan health insurance coverage can be a big concern for the self-employed. BlueCross BlueShield must sell “group-of-one” policies to sole proprietors. Other companies can offer small group coverage to individuals but are not required to and prices may be higher.

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Obtaining a Health insurance policy may seem stressful. By applying the suggestions above and getting quotes on more than one policy. You’ll be able to obtain adequate health insurance.

That’s priced within your budget without stress or worry.

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