Best Insurance Quote Online Save on your auto, home, life, health insurance!

Humana Health Insurance Complaints

Is it better without Health Insurance?

Is it better without health insurance?

We always complaint about the cost of health insurance and we would like a statement. Why is it if you health insurance, you end up paying more than if one does not may have? Yes! You pay more with health insurance than with out it. There are some serious things to repair in this system.

If you decide to buy your insurance from major companies such as Blue Cross and Humana are the costs of your insurance, depending on your circumstances (age, Weight, etc.), a large portion of your salary. The cost of the plans that insurance companies will offer push you deduct the rate increases, because the higher the deductible the lower the monthly premium should be adjusted. For example, $ 2,500.00. the must be met before any amount is paid by the insurance.

If you get sick or end up in hospital, happened in many cases, you will end up paying more than others without health insurance. Why say I do that? Because if your treatment costs $ 2000.00., The hospital will ask you for such amount and in top that you are up to date with your insurance benefits. If the Financial year of health insurance is to be over, the $ 2,500.00 coverage in the following year to be able to use the health insurance. In other words, you make your insurance benefits, but you had to pay the full amount of the cost for your treatment.

How about if you do not have any health insurance if you go to the hospital? Now, in the hospital or doctor will give you a "non-insured rate, less than half of what corresponds to an individual could be insured. In other words, if you have insurance you pay $ 2,000.00, but if you do not have insurance you can $ 800.00 to pay.

A specific scenario: If you pay $ 300.00 per month for your health insurance and you end up using it once a year on an emergency room Situation, and you had to pay $ 2,000.00 for the treatment to that year your cost is $ 5,600.00. $ 3,600.00 of insurance premiums and $ 2,000.00 for the treatment (plus meds) and the full amount must be collected from you. But if you had no health insurance coverage, you can at the end of a total of $ 800.00 pay for this year.

Major medical insurance may be a good thing to have for the cost of $ 10,000.00 But of course you can not get health insurance with a preexisting condition from the beginning met in politics. In other words, if you know that you are going to spend a large amount of hospital charges soon it will be very difficult to get approved for coverage. If you just want to go to the doctor, a to get regular check-up, for a cold or small diagnostics and use your insurance to work on the deductible, though you have a decision to . Meet Will I get $ 60.00 of them say that I have no health insurance or should I pay $ 160.00 and cover the deductible money for my part?

Hospitals and health care providers charge more persons to be insured because they can do, too, to have lost the money that patients no cover, but why should people get health insurance and to pay their monthly premiums for those who do not?. This bring me to the question, it is better not to have great health insurance? Should I pay more for my insurance costs? The problem is, to me, that if there is an adjustment of state insurance regulation Departments will be done always done in a way that people spend more money in medical fees or insurance will.

We need something to do about our health care system because more and more people will soon see that it is to start in some cases, better not to have health insurance. Money lost by hospitals and healthcare providers, but more money is lost by the Health Insurance Companies. The promise of the government was that something's going to be done. We can not sit down and do not wait any longer.

There are many good insurance plans, but most of them are tailored for high-income families or, if you are part of the population with low income, you can get help from government programs. If you get great health insurance and you are part of the middle class, I doubt you can afford

About the Author

Luis Cardenas Graduated at TAMIU with a BAAS in Sociology/Psychology after serving in the USMC. He decided to help people learn about the United States Government after writing a research paper for a political science class. He is currently the webmaster of www.theusgov.com and www.spr6.com

Re: The 2009 American Revolution Is Here!