Why Is Health Care So Expensive
There is a variety of opinions on how our health care system ended up in the mess it is today, and just as many ideas on how to fix it. Bottom line I wouldn’t count on a miracle solution that fixes everything.
I look at the problem different than a lot of people. Instead of asking how do we pay for the incredible cost of today’s medical care I like to study why it’s so expensive. Yes, there are modern facilities, equipment and procedures that help improve & extend our lives & have a tremendous effect on the price we pay. I still feel that if we look at history we will find some bad turns our country took.
In my opinion the first bad turn we took was at the end of World War II when employers started offering health insurance in an attempt to lure employees. This is a nice benefit but as more and more companies offered insurance the average person lost touch with just how much doctors & hospitals were charging. People looked for the best care not caring what it cost. This allowed doctors to charge whatever they wanted without any outcry from their patients. Insurance is paying the bill.
The next turn came when we changed our view of health insurance. Originally health plans were what we would call major medical insurance these days. If you have an oil spill in your garage do you call your home insurance or do you clean it up? The same was true with health care, people would pay for office visits but if you needed something big done your insurance kicked in. As we started expecting insurance to pay everything we further lost touch with the cost of our care.
Probably the most talked about problem is the parade of huge lawsuits that have driven up the liability insurance that doctors must carry. I understand wanting to be compensated if a doctor makes a mistake that effects your quality of life, but I believe that most of the settlements are excessive. This leaves us facing a few victims & lawyers getting huge pay days, the courts allow it and the rest of us pay the bill. There have been attempts to cap lawsuit awards but the lawyers have risen up to defeat them.
It doesn’t look like our government is going to fix the problem but one company has created a unique solution. Through the power of group buying they have negotiated huge discounts with providers and pharmacies throughout the country. They have plans that start under $20 a month per household and can save you 50% or more on most all medical expenses including hospital stays. Below is details on how you can save.
The fact is 7 out of 10 Americans are either under insured or completely uninsured. People are putting of procedures they need because they don’t have the money. Others are drowning in debt from hospital stays. Ameriplan offers a solution. This is not insurance but instead membership program where doctors & pharmacies offer huge discounts (as much as 50% or more) in exchange for the flood of business. They also offer advocates to negotiate hospital bills. The example that comes to mind is a gentleman that had a heart attack and no insurance. His bill came to $118,000, Ameriplan got the charges down to $33,000. This is still a lot of money but if you consider that insurance has deductibles and only pay 80% of the remainder the bill would not be drastically different. I would never encourage anyone to give up their insurance but for those millions that simply can’t afford it, this a wonderful alternative. Plans are…
Dental, Vision, Chiropractor, Prescription drug – $19.95 a month / per household
Medical & hospital advocate – $29.95 a month / per household
Plans 1 & 2 together – $39.95 a month / per household
For details click. AMERIPLAN
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