“Let there be no doubt: health care reform cannot wait, it must not wait, and it will not wait another year.”
The USA president, Barak Obama, made some statements about provision of affordable and quality health care for every US citizen. This certainly is a step forward, moving both Democrats and Republicans onto resolving the problem and sharing their point of views on the subject.
Now that the world is taken by the crisis, only a little percentage of the nation will have health care insurances through their place of work. And as medical costs go on rising, USA residents meet significant difficulties in supporting their health the way they should do. This is tragic situation as both small and large businesses as they have to reduce the coverage, increase co-payments and deductibles and raise the sum of money employees used to pay monthly. Certain small business bosses have even transformed typical health insurance plans into high deductible plans.
My employer offers me to choose from HMO and PPO. Which one is best?
HMO is what most people prefer, if it is the network of medical assistance and hospitals you need to treat yourself in. The health Maintenance Organization is more or less affordable for regular citizens. You have to choose an HMO physician who will be your primary health care provider. This physician will manage all of your medical care, as well as referrals to specialists within your HMO network. If you receive treatment from a non-network physician, you will typically pay the biggest part of the cost yourself, which no one wants to do.
When it comes to a Preferred Provider Organization (PPO), then we must admit this plan is a lot more flexible in comparison with HMO. But you have to keep in mind that it deals with the specialists and hospitals that are included into the PPO circle and you will have to choose the one from the list. Visiting a non-network physician is possible but you will have to take the wallet and pay the difference between the PPO network and out-of-network prices. Not so great.
I have cheap health insurance, but it seems like I’m always paying for something.
It is so. You have to stay with your network plan if you don’t want to pay anything. Any other deviation from the plan will cost you money (co-payment is required here). HMO plans, for example, do have co-payments but they do not have deductibles unlike other health care plans. The most common co-insurance payment is 80/20. Your insurance company hands out 80% of your bills while you pay 20% after the deductible is subtracted.
What if I don’t have a health insurance?
Your case should be analyzed in by a financial aid office, seen in most hospitals, and after the analysis of your situation you are able to request paid-for health insurance.
We do agree with Mr. President and hope his words will find their way to become reality as health care insurances are all we count on sometimes.