The recently passed Healthcare Reform Bill (HR-4872) is a necessity and long overdue. As one of the wealthiest countries in the world, it is a travesty that one hundred percent of our citizens are not adequately covered for their healthcare expenses. According to the United States Census Bureau, there were approximately 45.7 million people in the United States without basic healthcare insurance in 2009.
It is my position, that a “Universal Health Plan” is a necessary for the continued integrity of our nation. There are many opponents to the proposal of such a plan. Their arguments are often unfounded and are inflated with biased political hype.
Why is healthcare coverage a necessity? Under the current medical practices in the United States, a patient requiring care who does not have insurance, Medicaid, or Medicare would have to find a physician who is willing to accept a “Self-pay” patient. Costs incurred for the office visit or treatment would need to be paid at the time of the delivery of services. What this means is that the uninsured may rarely, if ever, visit a primary care physician unless it is absolutely necessary. Preventative care is typically avoided by the uninsured due to the out of pocket expenses and the price tag of modern medicine. Therefore, doctor visits are limited to Emergency Room services for illnesses or injuries as most have no primary care physician of record. Often, curable diseases or conditions are not diagnosed in the early stages and are allowed to become life threatening before care is sought. Patients are then forced to undergo extensive and costly treatments which may be too late to render any relief and often result in a premature loss if life. The uninsured or even the underinsured patients or their survivors are then left with staggering medical bills to pay. ___________ reports that up to 60% of all bankruptcies are the direct result of outstanding medical related debt.
Under the current healthcare reform bill HR-4872, there are several stipulations that will benefit everyone. The proposed bill eliminates the “Pre-existing Condition” clause that insurance companies have been manipulating around for many years. How many people have been stuck in dead end jobs, unable to further their career for the fear of being denied insurance coverage due to a pre-existing condition. The bill (HR-4872) also makes purchasing health coverage affordable. Under the current American system, the health insurance providers can pass on rate increases to the consumers without regard to the clients ability to pay or their after taxes income. It is estimated that healthcare insurance costs have increased as much as 18 – 25% over just the past three years alone. This dramatic increase in premium expenses has put healthcare insurance out of the reach of millions of Americans.
HR-101 proposes a cap on “Out of pocket” expenses. The cost of medical treatment can skyrocket quickly. Currently, even those with...