Healthcare Insurance Issues

Topics: Health insurance, Health care, Preferred provider organization Pages: 7 (2493 words) Published: May 14, 2009

Healthcare Insurance Issues September 11, 2008

Healthcare today is a big issue for a lot of individuals, and families. Because it’s not affordable and some plans are lacking the necessary coverage people need these days. There are many ways to make healthcare more affordable, adequate, efficient, and patient-centered. That being said there are also various healthcare plans that are suited for many different people such as HMO’s, PPO’s, POS’s, Medicaid, and Medicare. This is why government should develop a reform plan that focus on all of the above issues and much more.

That being said many observers; believe the reason healthcare has become so unaffordable because of the new drug developments as well as the need for new medical technology. “Others say healthcare is to expensive due to, administrative cost, marketing and profits, which account for 22 to 31 percent of the U.S.” (Haaland, R. 2007). I know in my experience healthcare insurance is not affordable because the deductibles, and coinsurance are outrageous. Some just say the premium themselves are very high, making it even more unaffordable for families to have. Lots of people say the rise in healthcare is because of the number of lawsuits due to malpractice.

Another issue with the healthcare plans is the inadequate coverage that some of them provide. Some plans don’t include dental coverage; others only include discount vision plans that only cover certain aspects. There are some plans that don’t even cover preexisting condition. For instance if you are receiving treatment for cancer, or sickle cell anemia, some insurances would require you to be on their plan for at least 6 to 12 months. Until that time, in which they will cover these types of conditions.

Statistics, also say that about 6 percent of insured older adults in working families, or 1.8 million people, are underinsured: Their healthcare coverage does not protect them against medical expense that are high relative to their income” (O’Brien, 2008). As you can see thousands of people have to worry about these things every day. It is also known that “In general, about two in five American adults who do not have health insurance end up going without needed care” (Kronenfled, 2004). Some other statistics that were found in an article called Massage & Body work state that “50 percent of adults have seen their healthcare coverage cut or cost go up. It also say that two out of three adults now believe that healthcare coverage should be available to Americans as it is in other countries such as Canada, and Britain” (Massage & Bodywork, 2005).

There are several solutions that the government could use to help the U.S and foreign countries to solve these issues with healthcare. Like, providing more funds for the healthcare plans to make it more affordable for people. Another solution is to allow the consumers to be involved in making, or picking the right healthcare packages that will suit their needs, as well as their family’s needs. The government can also make it more efficient and adequate enough for Americans to cope with. Healthcare systems should also lower their standards for when coverage can start because of preexisting conditions. The best solution of all is to establish a healthcare system that covers all Americans.

However, there are several healthcare insurance plans that are reliable enough for different families such as HMO (Health Maintenance Organization), PPO (Preferred Provider Organization), and POS (Point-of-Service) plans. HMO is a prepaid group health insurance plan that entitles members to services of participating physicians, hospitals, and clinics. In the Article Understanding the Difference between HMO, PPO, and POS:

Say on average, HMO’s are the least expensive health option and the least...

References: Engstrom, T. H. & Robison, W. L. (2006). Health care reform: Ethics and Politics. Rochester,
NY: University of Rochester.
Families USA (1997, September). A Children’s Health Insurance Factsheet. Retrieved October 14, 2008 from, Web site: sheets/expanding-medicaid-is-the-best-option.html
Haaland, R
Kronenfled, J. J. & Kronenfled M. R. (2004). Healthcare reform in America: A reference
Massage & Bodywork (2005, January). Healthcare in poor shape. Consumers Health Complete, 19(6), 13-13. Retrieved October 3, 2008 from EBSCOhost database.
Medicare (2008, May). Retrieved October14, 2008 from Social Security Online.
O 'Brien, S & (2008). Baby Boomers and Healthcare: What are the problems and
    what can be done? Retrieved September 11, 2008 from, Senior Living Newsletter Web site:
Understanding the Difference Between HMO, PPO, and POS., (2004, September 16)
September 30, 2008 from Health Insurance Center Web site:,_PPO,_and_POS/artid/70
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