In fact many people around the world would burst out laughing as you try to praise american healthcare system. The first to react this way are likely to be the socialists or, those fighting for equality communists. It will be from the other hand not surprisingly if american citizens just follow their example, as the population seems to be unhappy about the present situation and the health reformation doesn’t show real benefits so far..
But even knowing the figures of the fedral budget going to the industry per head to be the highest in the world we shouldn’t be quick in making conclusions. The US helthcare performs worse than the other countries’ helthcare systems There are less physicians but too much drugs, so we are the most drug-dependent medecines among the developed countries while life expectancy also isn’t splendid. Luckily, the government makes generous enough contribution to paying for our healthcare and people use those Medicaid programms Medicare approximately in as much as 30% of households. And the rest of the population only pay 2 times for receiving a medical health : once through tax and second to get a pricate health plans with a local insurer.
Here we come the the question what health insurance itself is to do. If a policyholder develops a disease, or gets an injury or falls ill, the company is to provide the best possible treatment. When a customers health is ok, it should enable preventive screening and regular check-ups as well. The final purpose is protecting people and families from heavy financial charges and ensuring the economics doesn’t lose its workers. The tax money must be used for this aim with maximum efficiency. As healthcare runs in America not as a public utility the people still shouldn’t pay astronomical sums to get the healthcare services, but the contrary occurs to often as we speak about the private health insurance becoming more and more the privilege of the rather well-of families.
We had indeed an experience of a sort of publi? utility healthcare services until 1990, when private insurers were dominated by nonprofit funds with the most popular Blue Cross in the head. Unfortunately these companies have been mostly converted to commercial ones during the last 30 years. Have theeir services become more qualified or efficient? This is difficult to evaluate with the fast developing technologies… The for-profit model, no doubt functions by the laws of the market, and patients here become simple customers and not subjects to unselfish help. Charging a big deal as insurance rates and trying to pay you the minimal possible is something you are to expect from an insurance company. Well, they must enable the noble salaries for financial specialists. That is why as costs jump, the agents try to convince the health insurance policy holders not to agrue excess fares or higher deductibles pleading the hardtimes.
If their profit keeps reducing, they find it so lighly natural to cancel the policies issued often right in the moment you fall seriously ill. Refusing to issue new health policies for individuals with pre-existing health issues or setting unfairly loaded health insurance quotes is another annoying practice. To fix all of these urgent problems with private health insurance sector, we need to develop a nonprofit business no matter how hard it may be. The federal government have the means to organize the public health insurance companies where rates would be set on juster bases. The first step for the moment could be a special system of govermant or state measures aiming to make private insurers spend larger parts of their income on the necessary treatment and diagnosing to prove themselves socially efficient.
