For individuals and families who are
gainfully employed, but whose income levels are still well below average, you’ll find options for them as well. For households, the income limit is put at $1,144.00. Further,
what makes this system so workable is that individuals aren’t disqualified if they own their own home or other property.
Their income level is your sole deciding
factor. Second the amount of individuals that are forced into
bankruptcy and driven to Medicaid Title 19 assistance as a result of medical bills
coming from catastrophic health conditions that don’t have health insurance
coverage could be significantly reduced. This is important to keep in mind
considering that once someone is on Medicaid they’re getting health care
essentially 100% insured by the authorities so there’s not any more incentive to not
seek treatment for minimal or non-existing conditions.
On the reverse side many
conditions that would have yet to be caught before they became acute because a
person did not seek treatment due to not having insurance policy would now be
captured before they turned into a devastating claim. Finally, if the government
allocated a certain quantity of money to help protect claims by people who have
preexisting conditions that the private insurance companies may eliminate exclusions and declines due to already existing health issues, this can be done is some states like the HIPIOWA Iowa Comprehensive Plans that insures Iowa residents that may not obtain coverage elsewhere.
You may be sitting there thinking that this is just
wishful thinking and that these thoughts could never be executed, but all of
these ideas are already being executed. The problem is that just some states
do some programs rather than most health insurance agents know that some very low income families may get reimbursed for health insurance premiums.
If those programs were standardized and place into effect on a federal well
publicized level I feel it would put 1 hell of a dent in the uninsured
people in this nation. I do not pretend to know what the reimbursement
levels ought to be for what income levels but I do know that anything is better
than nothing, and in my opinion that is the best middle earth we can find.
The Democrats will be contented with the socialized facet of the reimbursement,
and the republicans should be happy that health care stays privatized giving
this option a better chance at a bi-partisan funding.I have faxed this notion to many senators and congressmen
but always received the exact same type of standard response about how they are
worried about health care and they are working hard to find a solution
knowing full well that no one actually even read my letters.
If enough buzz is generated than these thoughts would get the thought they deserve, and if enough people just like you and I needed a remedy be
found than maybe enough stress can be placed on the politicians to do something. The number of uninsured Americans is only going to move up, the
cost of health care is only likely to move up, and the cost of medical insurance
premiums are only going to move up if a thing isn’t done now! Until then the
The only thing I personally as a medical insurance agent can do is to compare all of the
choices out there and present you with the lesser of each the evils, which in
a lot of cases, the alternative that is chosen is the biggest evil of going without