It Is Easy To Lose Health Care Insurance

A good percentage of voters feel that the health care crisis in the US affects and will affect others. They have always had health care insurance policies and feel that they always will have access to health care. However, there are immense holes in our existing system and it is far too easy to fall into one of them.

Insurance agents hear this story over and over again. A potential client, let's call her Susan, will call looking for healthcare coverage. Susan has worked for decades and has never been without coverage.

She lost her employment based medical coverage about a year ago when she became too ill to do her job. 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 sickness stops her from working, but has not outward symptoms. 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 treatment, she will live a long life. However, from an insurability standpoint, she is not. The good health care 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 cry. She might be furious. Susan has worked all her life and has played by the rules. Susan believes that Susan 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 Susan can barely afford. So although there is an 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 cross her fingers and hope that she has no major health care event until she qualifies for Medicare. She might purchase the state-sponsored program with help from her son. Either way she will probably worry about her state of wellness and her financial standing all the time.

Another call health insurance agents get a lot is the one from Bill. Bill's daughter Lisa has been covered byhis health coverage 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 heart. She takes a high-priced 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 very close friends know that she has ever had a illness more severe than the flu.

Lisa has had medical insurance all of her life, but now cannot get affordable medical 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 Rx and putting her health at risk. She might ask her parents to help pay for an expensive 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 company insurance due to a disease or injury.

When medical insurance is tied into your employment, if you lose your job or you lose your healthcare insurance coverage. Cancer or a heart attack a car crash can keep you from working. When you are no longer able to work, chances are you will no longer be eligible for your group healthcare insurance coverage. This can mean that you die before your time because you cannot afford to pay for medical care or health insurance when you are no longer working.

America's existing health care system is a bad one for too of us. People not in the insurance business fail to realize and accept is this problem affects even those have done what they could to keep their healthcare insurance through their jobs can have their golden years destroyed in our present system. You lose your state of wellness, then you lose your job, then you lose your health insurance, then you lose your house. And there isn't much you can do about it in the current system.