Ads 468x60px

Monday, August 31, 2009

Rationing of Health Care

Ideally, insurance companies make good insured’s losses and protect them against dangers to life or property.

However, events in real life show that it is otherwise. In fact, an insured finds it difficult to go after their insurer.

In one article, the author was of the belief that when a health insurance company denies a person for coverage, it is rationing health care. This happened when a company cancels a policy or refuses to pay for a certain procedure.

The author also said that when hospitals and doctor’s offices turned away people who do not have insurance, health care was being rationed.

Despite debates on the national health care and health insurance, some issues remained inarguably true.

1. It would be ridiculous to refuse health care coverage to those people with pre-existing conditions such as diabetes. Not treating this type of condition make it more expensive to cure as time goes on.

2. Insurance coverage must be portable. Hence, if a worker loses his or her job, insurance coverage should be maintained.

With the current set up, policy holders are under the mercy of their health insurance companies. Certainly, reorganization of the system is badly needed. However, people are in doubt whether the federal government could be able to manage the restructuring of the current system.

Whatever the government decides, the “doing nothing” option is never advised.

If you think your insurance company is abusing its authority, you may employ the services of an experienced and expert lawyer in your area.