Many of us believe that the healthcare crisis in America affects and will affect someone else. They have always had health care insurance coverage and feel that they always will have access to health care. However, there are big holes in our current system and it is far too easy to fall into one of them.Insurance agents hear this story over and over again. A woman, let's call her Susan, will call looking for medical insurance. Susan has worked since she graduated from college and has never been without insurance. She lost her employer sponsored health coverage about a year ago when she became too ill to work. She took the COBRA option. Now she is nearing the end of her eligibility for COBRA and wants to get an individual health care COVERAGE policy. Her illness stops her from going to work, but her prognosis is good. She is able to do most of the things she wants to do. Her doctor has told her that she is doing fine. From a longevity standpoint she is. With good health care, she will live a long life. However, from an insurability standpoint, she is not. The treatment the doctor expects her to get would be expensive and will cost them more than the premiums they can charge Susan. Susan is shocked when she hears this. Susan might break down in tears. She might be angry. Susan has worked all her life and has played by the rules. Susan believes that she should qualify for affordable medical care. Susan learns from the agent that there is a state-sponsored program that she will qualify for. However, it is two or three times the cost of the COBRA plan that she can barely afford. So although there is health insurance that she qualifies for medically, she cannot possibly afford to pay for it. Susan is out of work and has cut back on everything in order to survive.What does Susan do? She might pray that she has no major health care event until she qualifies for Medicare. She might purchase the state-sponsored program with help from her children. Either way she will probably worry about her health and her financial standing all the time.Another call medical insurance brokers get a lot is the one from Bill. Bill's daughter Lisa has been covered byhis health care insurance policy since her birth. Lisa is now an adult and is about to be kicked off his policy due to her age. Lisa has all appearances of health, but she has a problem with her kidney. She takes a costly medicine that allows her to do everything she wants to do. So long as she takes her medicine she's fine. No one outside of her family and her boyfriend know that she has ever had a illness more severe than a hangnail.Lisa has had healthcare insurance all of her life, but now cannot get affordable health coverage because she has aged out of her parents' policy and is uninsurable in the private market. She is faced with the prospect of doing without her medication and putting her health at risk. She might ask her parents to help pay for a state-sponsored program . Lisa doesn't know that they can only afford to do this at the expense of their golden years. They have just finished paying for Lisa's education and had planned to put any extra money they earn over the next ten years into their retirement fund.There are hundreds of thousands of Lisas and Susans around the country. These are People who have played by the rules and have lost their employer sponsored insurance due to an accident or sickness. When medical coverage is tied into your employment, if you lose your job or you lose your healthcare coverage coverage. Cancer or a heart attack an accident can keep you from going to work. When you are no longer able to work, chances are you will no longer be eligible for your group health insurance coverage. This can mean that you die before your time because you cannot afford to pay for medical care or health care coverage when you are no longer going to work.The existing health care care system is broken. The typical voter will have not idea people of all social strata that have done what they could to keep their healthcare coverage through their employment can have their golden years devastated in our existing system. You lose your state of wellness, then you lose your employment, then you lose your healthcare insurance, then you lose your house. And there isn't much you can do about it in the existing system.
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A good percentage of voters believe that the healthcare crisis in the United States affects and will affect other people. They have always had health care insurance policies and believe that they always will have an insurance policy. However, there are immense holes in our current system and it is far too easy to fall into one of them.
Alston J. Balkcom has been an insurance agent since 1985. He now has several websites that help people get competitive quotes for insurance in all parts of the United States. You can find information about Vermont medical insurance on his sites. He blogs frequently. His most recent post include one about: Health insurance benefits in America and Pre-existing conditions
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