Don't Buy Medical Care insurance…

And and believe that you are finished comparing prices and benefits. health carrier's rates jump frequently and you can't lock in a rate for medical care protection like you can with whole life protection or a loan. Making sure that you have the lowest price for quality medical care insurance can only be done if you review your coverage every year or so.

Your major medical insurer constantly calculates the average costs of medical claims that their insureds make against their health care coverage coverage. They are constantly changing the rates. The rates will almost always go up, but each policy series may have different rate increases. You want to make sure that you are in the getting the best deal, not only now, but five years from now as well.

If you have an older insurance policy, particularly one that isn't being sold this year, it is important that you compare other plans. You'll more than likely find less expensive insurance cover available that are as good or better.

When a medical care insurance carrier stops offering a particular policy series to new members, the rates on that policy series will almost always go up faster than they will on any open plans. The reason for this is not because the age of the policy holders, but the age of their exams or underwriting. When you look at 100 clients of any given age who have just passed their medical underwriting, they are much less likely to have major claims than 100 clients of the same age whose health status was last reviewed five years ago. They have had five years to raise their blood pressure, weight and cholesterol. Many are in excellent major medical, to be sure, but when you look at the averages the newly underwritten group will almost certainly be healthier.

This means that your medical care protection rates will be lower if you are moved into the group of their policyholders who have been underwritten more recently. Make sure that you maintain or improve your good healthcare and that you regularly shop for health care insurance. Shop for a wife or a husband once, shop for insurance on a regular basis.

In order to be approved for any new medical care coverage policy your healthcare must be good. This doesn't mean that you will be denied if you have had the flu, but you might be denied if your weight doesn't meet their criteria or you are diabetic.

Perhaps one day we will have a system where everyone can qualify for medical care protection regardless of their health care status. That day is not now. If you are looking for coverage now, we need to do what we can to control the aspects of our healthcare that are within our control if we want to get the best rates.

Of course, a not insignificant side effect of being healtheir is that we get to live longer and probably more fulfilling lives. If the additional cost of a rated major medical coverage policy is the final straw that gets you to stop smoking or exercise more, your life will be better for it.

Right now we have a for profit major medical insurance system where both the protection companies and the consumers cherry pick. The coverage companies want to deny anyone who is a bad risk; consumers often avoid getting medical care protection when they are younger and healtheir.

We may have a better medical insurance system in a few years or we may just have a different one that isn't any better than the one we have now. Whether we get change or not, the system we have now favors those who compare prices and benefits and only those who are in good healthcare can compare prices and benefits so don't buy medical care protection and think that you can stop shopping and comparing costs and plan benefits.

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Socialized Medicine Pros and Cons

Each update on national healthcare insurance I hear on the TV talk shows has a political slant. According to some pundits the countries who use socialized medicine have hurt their economies and are forced to ration medical care to senior citizens. According to others they see the advantage or bonus of socialized medicine and all its positives and see none of the negative aspects of national health care.

I'm in favor of a national health care system. However, we can be sure there are more ways to create a health care system that will be no better than what we have than there are to create a good system. We have to do this right or we are going to be stuck with the negative aspects of National Medical Care without all of the positives.

Few people believe that Universal healthcare will not create higher taxes. However, we are paying for our broken system already. If certain of those costs go away, we may wind up with more money in our pockets.

Now, an injured man who needs emergency medical care will almost without exception be accepted into a hospital whether or not he or she can afford to pay for the costs of the medical care. You pay for the treatment. The medical professionals has to ask more for services. It charges its insured patients to make up for the ones that don't pay. At the same time it ruins the credit of the patient who can't write a check for the cost of the services.

Another side effect that worries many is the drain on our economy that may be caused by those who lose their ambition because they get qualify for free health care. I suppose that only time will tell, but I think that if we have more healthy people more people will be available to work. There are probably more ambitious people who are unable to work because of poor health care than there are people who would become lazy when better health care is available to them.

The positives of socialized medicine include the lessening of employment discrimination for the older workers. If the burden of the cost if insurance were shifted to the government, older and sicker workers may be more employable. A potential employer who interviews an older or less healthy applicant, today may focus on how that applicant would raise their group medical insurance premiums and not on the skills and knowledge that person might bring to the job.

Older, more knowledgeable professional will in many cases do a better job than less experienced professional. This can increase the efficiency of a firm and mean that the company and our economy moves forward faster than it would otherwise.

Potential entrepreneurs will be able to start their own business without leaving their medical insurance behind. The fear of losing benefits has kept many people shackled to jobs that they have long ago out grown. Socialized medicine will perhaps allow certain great man or woman to invent the next big thing, whatever that may be.

Today a parent may be unable to pay for both the food she or he needs to feed their children and the healthcare that they need. This can mean that this parent dies early leaving young boys and girls behind. A health care system with good preventative care that is available to all can keep these parents around to rear their children and better prepare them to be productive citizens.

I think that what we all want is a stronger economy and a better country. National health care improves our economy by making older, more productive workers and managers more productive. It can also extend the time that some of our youth gets to spend with their parents and have a major impact on our future as a country.

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Medical Insurance in Florida: A Friend in Need

Today, as everyone knows that health care costs are on the rise, it is not possible for every person to afford these costs, especially in Florida where floods and other natural disasters are common. Residents of Florida have to face these problems by loosing their wealth as well as health. Hence any persons of family may be effected by medical problems and lose your wealth and money both in the treatments of medical. This is why; medical insurance plans have become the essential part for Florida residents that fit their health care needs. Medical insurance plans are designed to give them a better and more immediate medical service to keep them away from unusual expenses.

A medical insurance plan in Florida is not wastefulness, it is very vital. This fact should be kept in mind to each person. However, there are a number of people who think that medical insurance in Florida may be expensive and confusing as well as difficult to get, but the fact is that these insurance plans are simple to get through any online agent. These online agents have an assortment of medical insurance plans for the residents of Florida such as medical insurance for:

• Individual or a group of individuals
• The family

Apart from these plans, other medical insurance plans are:

• International medical insurance
• Travel medical insurance
• Major medical insurance

These all plans cover medical expenses such as, diagnostic services for instance laboratory tests and x-rays, prescription drugs, medical aids like slings and the temporary rental of wheelchairs or walkers, comfortable accommodations in hospitals, medical bills such as those for a physician, surgeon, and anesthetist and ambulances. You can choose your medical insurance plans Florida according to your requirements and budget, so buy the best plan at reasonable rates.

Only you have to select an online agent and fill up an online form. Online agents offer these plans to the residents of Florida, who want low cost protection in case of an accident or illness or who are healthy and rarely visit doctor but need coverage to get rid of unexpectedly occurred medical expenses. At last, it is also advisable for you that when you start shopping for a plan, you are advised to avoid running towards small premiums, but in its place you can go for a plan that covers a complete health benefits throughout the insured life.

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