The Problems Arising In The Insurance Industry Are Widespread.

PRLog (Press Release) - Apr 25, 2007 -
Major companies involved in these massive restrictions on benefits and quality coverage may include some companies whos names you are quite familiar with. Blue Cross Blue Shield, Kaiser Permanente, Cobra, Delta. Also names like Aetna, Healthnet and Pacificare. Many of these companies simply won't offer you health coverage if you have a health condition.

Bottom line here is that the insurance companies won't give you health coverage if you actually need it. The problem is that the cost of the most common types of health care is astronomical. Actually, the problem is the over consumption of health care. People, too often will run to the doctor when it is not needed and worse yet, the doctors are over prescribing medication. It’s clear, people are taking too many man made drugs. Just look at your U.S. health care market is one of the largest and most over exploited markets in the world.

Health care stats taken from the CDC.gov website at http://www.cdc.gov/nchs/fastats/hinsure.htm

Persons under age 65
Number without health insurance: 41.6 million (2004)
Percent without health insurance: 16 (2004)
Percent with private insurance: 69 (2004)
Source: Health, United States, 2006, tables 133, 135
Children under age 18
Percent without health insurance: 9.2 (2004)
Percent with private insurance: 63 (2004)
Percent with Medicaid or SCHIP: 26 (2004)
Source: Health, United States, 2006, tables 133-135
This is the result of publicly held insurance companies taking advantage of the market. This translates to big profits for insurance companies, who “pick and choose” their consumers, unlike many other need based community services such as emergency preparation and public works. What would be interesting is to see more privately owned companies offer low deductible, catastrophic care plans. These types of plans can be supplemented with a much more affordable discount dental plan such as the Ameriplan health benefits outlined at http://www.dentalandhealthplan.com. This is a good example of a privately owned healthcare benefits company that does not pre qualify or “pick and choose” their enrollees. Granted, the types of “coverage” is not actually insurance, what it does is reduce your health care expenses by as much as 80% or more. That includes all of the most common services as well as specialists. This is not the type of benefits you’d want to have as your only health plan, but if you are like one of the 40 million plus Americans who don’t have any health coverage at all, you probably either can’t qualify for or you can’t afford a descent health insurance policy anyway. You can still indeed use these types of plans to save money on not only medical and dental care, but also on vision care, prescription drugs and chiropractic services. HealthNet is another plan that is being offered as an alternative similar in some ways to DentalAndHealthPlan.com, but not quite as old of a company perhaps.

The most important thing to remember is that doctors in many cases are salespeople as well. They are in the business to make a buck. They work hard to make a difference and for many the difference their more concerned about is in their pay check. Remember that every system needs its checks and balances, as does the health insurance industry.