The rumors are true, not having health insurance makes medical bills more expensive; another reason why waiting to get health insurance until a reform bill is passed could end up costing you much more. It's no secret that uninsured patients don't get the discounts the insured do.
Allowing preventative care by being able to have non-emergency doctor visits, will save even more money. Avoid expensive, and most of time, unnecessary emergency room costs, by finding an affordable health insurance plan. Not having insurance can actually cost more money.
LIfe isn't fair, especially for people without health insurance. Medical providers aren't cutting anyone a break when they charge non-insurers 'full price' for care rather than offering them a discount like they do for their insured patients. Waiting for health care reform to happen isn't a good reason to not have insurance, a better reason would be to save money.
Un-insured patients don't qualify for the discounts negotiated between medical providers and the insurance companies. Trying to bargain your own way out of full price can be possible with very few medical providers but taking that risk isn't the best decision.
With our economy still deep in recession mode, affording health insurance might seem impossible, especially for the unemployed. However, 316,000 eHealthInsurance customers were surveyed in 2009. The survey revealed that half of all individual health insurance policy holders who purchased a plan through eHealth paid less than $132 in monthly premiums and half of all family health insurance policy holders paid less than $329 per month.
Those numbers aren't bad when placed next to the numbers you would have to pay in case of serious or non-serious medical attention. Going to the emergency room averaged people $2,500 in 2009. According the information above, that means health insurance would have paid for itself once or twice over in a year, depending on deductible amounts. For example, one year of cancer treatment is shown to cost $30,000.
The argument is being made everyday that medical services are too expensive, but until reforms are past to help the cost of care, insurance is the only option. The U.S. Senate race in Massachusetts will surely add more delays to the health reform bill, but letting the delays ruin health, credit scores or already delinquent medical bills is not the answer.
Written by Amy Munday
HULIQ.com
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