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What to do if you can't get or afford Health Insurance?

admin — Sun, 07 Mar 2010 03:09:43 +0000

With the threat of individual health insurance plans in California potentially being kicked out of the state for possible non-compliance with the state laws, some people with individual health insurance policies are probably holding their breath in hopes to have reasonably priced health insurance that will still cover them.

The question looms in many people’s minds how do you get health insurance if you can’t afford it or if you have a pre-existing condition. Here are some different ideas to get health insurance or medical care when you have a pre-existing condition.

Move to Canada. Well, it probably would be hard to pull off, but if you are still healthy and don’t have a pre-existing condition and have skills to bring to the country you could move there and be covered after living there a while. But if you have a pre-existing health condition you might have to marry someone from the country to be able to live there and get access to the medical care.

Save up your money and travel to far away countries like India to get your medical care. This doesn’t always work for everyone as sometimes you need to have your care right away. But if you have something that can be planned in advance you could save a bundle getting the treatment or surgery in the other country. They call it medical tourism because you travel to get medical treatment.

Start your own group health insurance plan. Another option is to start your own company and depending on the state you live in you may need 1 or you may need 2 employees to include in your group medical plan. This doesn’t mean that you won’t get hit with high insurance premiums. If you have people that have conditions in your group the rates could go up. So you need to do your homework and shop around to consider your options.

Get help through the state government. States are going broke, and unfortunately the cutbacks in spending are going towards providing for medical assistance for the poor or those with uninsured health conditions. Let’s say that you have diabetes and you can’t get health insurance on your own, you can go through the state’s help to gain some insurance, that is if it is available. Be prepared for a waiting list.

File for medical bankruptcy and start over again. Make sure that you seek help from proper legal assistance of a lawyer that specializes in medical bankruptcies.

Beg with the doctors and hospitals for a break on your medical expenses. If you are uninsured and unable to pay the astronomical bill that they mail, chances are they will be able to lower it if you can show that it poses a hardship for you and your family.

Get hired with a company that has a health insurance policy and hope that they keep you working with them after they find out how much more they will have to pay for health insurance. The bigger the company the better your chances of staying because they have a larger pool of employees to insure and their rates hikes won’t be as shocking as it would be to a small company. But you never know for sure there are plenty of stories of people being pushed out of their work because of their medical condition.

Last but not least, we can hope and ask our government leaders to make sense out of a failing health care industry. To cater to the health of individuals instead of the profits of the health insurance companies. To ensure that doctors treat patients with necessary treatments and not short change the individual because they can’t afford it. Possibly after the health care industry self implodes upon itself because not one person can afford it, except for the super rich, then maybe there will be some changes for a sensible health care industry that doesn’t require you to make a fortune to afford it.

A divorced lady was sharing her plan to get health insurance coverage on the day-time syndicated television show ‘The Doctors.’ She has posted her plea for a man to marry that has a good health insurance plan. So far she has received 7,000 marriage proposals. The doctors asked her if she would seriously marry someone just for good health insurance. She said yeah, but at the same time she hasn’t agreed to marry anyone yet. She pointed out on the show that if she went to prison she could get the necessary health care and medication. She spends 90 percent of her income paying for her medications and medical care. She is a working person that can’t get health insurance, but if she marries she could get covered.

source: bestsyndication.com

Return Referral Rates for Medical Tourism

admin — Thu, 19 Mar 2009 02:12:02 +0000

It is interesting that in valid surveys of medical tourism patients that up to 92 % – that is over 9o % of 9 out of 10 patients say that they will return to the same medical care facility with its medical staff.

This is quite an amazing number both when compared to other venues in the hospitality and travel industry and even to the food restaurant service industry. In addition these same ratio of over 92 % state that they will gladly recommend these same specific services to friends , family and other potential medical tourism customers

You have to realize that in any enterprise of customer service – numbers and ratios kick in . With logistics and practical logistics anything and anything can happen . Its all a matter of numbers and statistics . That is why these reported numbers are so impressive. So much for medical care in the “third wold” vs the educated western world.

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Local Health Care Insurance Utilization of Medical Tourism

admin — Fri, 19 Sep 2008 19:59:15 +0000

What is interesting to note is that even the medical insurance industry has now stepped into the act of evaluation , promotion and use of medical tourism both as a cost saving and queue shortening procedure..
Some will say that the basic tactic and reputation of insurance companies is to gladly accept insurance premiums while trying to shirk or avoid payouts. While this is not true, it is true that as if with any business profitability is key. Thus any cost savings or reductions are highly powered for any insurance provider or company due to its very powerful effect on the bottom line. Any cost savings are money earned for the firm. The one major concern to medical insurance providers who utilize medical tourism in an effort to save costs is prevention of any additional costs – whether it is for additional therapy when the patient returns home and has problems, or even of lawsuits. For patients themselves it can be a nightmare. The foreign medical care may be protected first by actual geographic and cost logistics, their legal and / or medical system and the costs of conducting legal actions in the far away foreign country. As a result the first actions of unhappy or ill treated medical tourists who have been sent for far away medical care by their health care insurance company is to seek redress from their insurance provider.
As a result health care insurance companies have shied away from using medical tourism and medical tourist facilities – at least until the cost structure more than justified it.

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