Would universal health care in the United States destroy the health insurance industry?
Answers: No. If socialized medicine - aka, universal health care, is put in place in the US, the same thing will happen that happens in the UK and Canada - people who CAN afford private insurance and private doctors (better, faster treatment) will have it, and people who can't, get the government healthcare.
Which is ALMOST like what we have right now, except the quality of government healthcare will be lower.
No, they'll find a way to make money.
They just won't be making the obscene profits that they were used too.
Probably not. First, there will most likely STILL be private insurance offered because UHC results in rationed care and goes bankrupt. There are always long waiting lines and all kinds of procedures that are NOT covered. Therefore, there would be plenty of room for private insurance. In fact, in France, which has been misrepresented as some great system, more than 80% of the people have PRIVATE INSURANCE THROUGH THEIR EMPLOYERS.
Hmmmmmmmmm!
The much lauded French system raises some questions as well. From their Embassy site (ambafrance-us.org) they state that 96 percent of the population receives free or 100 percent reimbursed health care. They state the system is part of their Social Security and is funded from worker’s salaries (60 percent), “indirect taxes on alcohol and tobacco and by direct contribution paid by all revenue proportional to income, including retirement pensions and capital revenues.” They state that it appears that health insurance pays less to its doctors in France than in other European countries, but that 80 percent of the public have supplemental health insurance, typically from their employers. If they’re providing so well for the needs of the public, why is there a need for “supplemental” health insurance for the majority of the public and what about the additional cost that imposes? The site states that the poorest have free universal health care, funded by taxes. Long-term illness sufferers are to be reimbursed for their treatments. They do have private clinics, as well as public hospitals, and not-for-profit healthcare. In fact, “private medical care in France is particularly active in treating more than 50% of surgeries and more than 60% of cancer cases.”
Private insurance, which the OECD (Organisation for Economic Co-operation and Development) site said in a 2004 report, was held by 92 percent of the French, helps to cover both vision and dental care which are not well covered under the government system. “The public system is facing chronic deficits and recent cost containment policies have not proved very successful.” The government is interested in having more of the tab picked up by private insurance (Buchmueller & Couffinhall, “Private Health Insurance in France,” 2004, oecd.org).
Secondly, just as with Medicare and Medicaid, the government will want the plans "run" through the government--at least initially. You can rest assured we'll be charged excessively for this "administration" of services.
Eventually, as we go broke and there is no medical innovation, those folks might become "government employees" or something else that will cost us plenty anyway.
So much better to go with a sensible plan:
http://www.booklocker.com/books/3068.htm...
I think universal health care would allow those who cant afford or choose not to afford health care coverage. But I think most people would want more options and coverages than that plan would afford. I think it may actually spark the health care industry and drive it down a different path.
Is there a cheaper health care insurance for college students?
Answers: Cheaper than what? Cheapest is on your parents insurance. Cheap is the school plan. Standard is what you pay for a private policy on your own - which is around $200 a month for a low or no deductible plan.
Look at getting a high dedicutuble health care insurnace. basically it will cover in case of major emergency but you are responsbible for basic health , paying out of pocket.
look into your college, they should hve plans.
Normally colleges and universities have student insurance plans. Your student government or such office probably lists it. U's also tend to have student health SERVICES on campus as well.
If yours is rare and really doesn't offer anything, then check a place like ehealthinsurance.com and see what's out there. If you're young and healthy, check into HSA policies so you can save for when you'd have a real need. Again, there should be some discounted services around a college--clinics or such--and you should be good unless you have real health issues. Then a lower deductible HSA is for you.
Another option is discount health benefits. You don't have the high cost of the monthly Ins rates, co-pays or deductables. The monthy rate is very reasonable for anyone to have. Plus all on-going health problems are accepted.
I can't win robustness insurance presently can i?
I have already see a doctor about a problem but it hasn't properly been diagnosed. I own a hospital appointment next month to see a specialist. on robustness insurance websites it says diagnosed problems (which i haven't got) but im sure i cant take the health insurance immediately ive seen a doctor. did that cause sense?Answers: Individual health policies don't cover pre-existing conditions. A pre-existing condition is not defined by whether you own been diagnosed or not. A pre-existing condition is one that already exists regardless of diagnosis. Understand what insurance companies do... they cover unknown risks. If you already enjoy a condition it is "known" even though a doctor hasn't put a "label" on it yet.
Your singular chance a coverage is by going to work for an employer that offer a group health plan... pre-existing conditions are covered on a group plan.
you will probably find that if they acquire even the slightest hint of an ailment they will not pay cheque out
there be a case resembling this on tv recently
A lot of insurances won't cover "pre-existing conditions" and the insurance companies are really picky around what they consider a pre-existing condition. All you can do is try and hope.
It depends on what your condition is. If it is pregnancy or cancer, you can get medicaid. You really entail to speak with an insurance agent and/or your doctor's organization.
All i can say is be completely honest next to them. My husand had high-ranking blood pressure and they sent him for a medical at their expense before they would cover him. They may proposition you insurance but refuse to cover any existing illnesses.
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You may resourcefully be able to go and get health insurance, but it a moment ago won't cover the existing condition you have, or any sickness that occurs that relates to or have been cause by your existing condition.