Insurance companies are a very important function in our society. The purpose of insurance is to share the risk. The risk of economic loss is the amount someone is willing to take on a task. For example, a bank would not loan money for the purpose of buying a house unless the house in case of loss, such as fire, wind and other hazards were protected. This protection is provided by a homeowner policy is available.
A loan for a car purchase is not availableunless the car was insured for losses due to theft or collision. This protection is provided by an auto policy.
Health insurance is a policy that shares the risk of loss resulting from sickness or injury. Part of the risk is assumed by the individual to pay a deductible. In other words, if someone's doctor, who has special needs, for $ 15 or $ 20 payment can visit the first visit. The insurance company assumes the risk of Rest of the cost.
The risk arises from the common exchange of "consideration". The test is the value. pays a premium in exchange for the promise of an insurance company to take care of the insured to pay some medical expenses related to the insured person. This brings us to the controversy surrounding efforts by the Government for the establishment of assistance, some universal healthcare.
No matter which part of speech to you to decide for or against universal> Health, has solved a problem. President Obama has publicly stated that it is impossible for the "uninsured" to ensure no additional cost. So, the idea that this was a policy of "deficit-neutral" by the administration itself had to be unmasked. Or the tax increase to pay for the program, or health care should be rationed so that costs, or neutral port.
In response to the general public out cry for a program of the government administration of healthcalled the insurance company bad. After all, insurance companies exclude pre-existing conditions for a time when the individual signs up again (but this is not always the case with Group Policy) and insurance companies make a profit. "
Terms PreExsiting
Think of the concept of risk and medical history. An individual who has a house that was damaged by fire. If your homeowner's insurance to write an hourPolitics, that the repairs would be caused to fire home from the existing roof? Of course not! This is not without risk that a bad deal is divided.
An individual has a preexisting medical condition, such as diabetes. The purchase of a policy, the treatment for a limited period (usually two years), now leads the same risk could exclude diabetes. The health insurance covers the person for other risks, and if the individual pays the premium for 's timethat the exclusion is for the existing condition to be deleted.
E 'possible to ensure the U.S. government, all insurance companies and force the terms to create a policy without taking into account already exists? E 'possible, but not without driving up the cost of health care. After all, the money to pay doctors and hospitals have come from somewhere, and Obama said that "we have no money." Since the government does not deserveMoney is his only income taxes.
Profit
Insurance will be cast as the villain, because the companies make profit. Which do you prefer that companies are well managed, a profit made, or a company like General Motors, which requires billions of dollars in tax revenue to bail out the company? A profit is what allows companies to expand services and provide jobs. Companies that fail to make a profit, go out of business.
The government has not onlyMake profit, as business units, well managed, you have to run a deficit. The last example Cash for Clunkers. Not only the taxpayers' money was used to subsidize for car sales, car dealers are now complaining that the government did not send the checks for the clunkers that were promised. It seems that many buyers have lost their old cars now and again before the new car, because the money for the program there was actually bought.
That does not bode well for aLed government health system.
Tort Reform
Doctors and hospitals need to defensive medicine. The people on trial for anything. Tort lawyers use an "shotgun" filing a malpractice suit. All doctors, nurses, technicians and hospitals involved in a case called into question if the party had no effective responsibility for the alleged injuries and damages.
We need a loser pay system whereby those who make a case and loses, it offersrequired to pay the other side of legal fees and costs. This would eliminate the most frivolous causes and reduce health care costs down.
Big Government Solution
The government should be required to live within its means. It is not, and the government, insurance companies, is the villain in this scenario.
The founding fathers did not foresee a large, powerful central government. This is what was the war of independence against England was allabout. The U.S. Constitution, the particular powers of the federal government and is not fixed, the acquisition of a private sector.
Medicare and Medicaid government health programs are on the verge of collapse. Even Obama admits Medicare can not be maintained. No program can be sustainable if it is running a deficit and all government programs at a deficit.
Universal Health Care will run a deficit of the day and this is just badBusiness.
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