Being most concerned about sky-scraping medical care costs, brooding over health insurance is not new to us. Indeed the quest to bring health insurance facts in to the light, fuels the rumors with no pedestal. Here are few of those myths debunked-
1. Healthy People Don’t Need Health Insurance Cover:
Then they should brace themselves to live in bankruptcy. Because a colon cancer is likely to make them shift to the emergency room and result in medical bill with thousands of dollars.
You can’t eschew to born nude, but it’s not a good idea to die naked. Perhaps waiting to get insurance till the time you fall sick is insane. It may happen that your carrier, then, deny a cover to you on the grounds of pre-existing conditions or ask you to pay either high premium or high deductible. That’s the reason; it hardly matters whether or not you are hale and hearty, you should have health insurance cover.
2. Most Americans Who are Uninsured are Unemployed:
Yet another fairy tale! The dreadful statistics exhibit that around 80% of uninsured people belong to working families. The reason they are uninsured is not because they are unemployed, but they are not offered insurance or can’t afford to pay the fraction they have an obligation of.
3. Universal Health Care System in Canada is Better:
What is boasted about Canadian Health Care system is not new. Though it asserts to make available better health care services as Americans get, it needs to be rectified here. Yes! Americans do spend high on healthcare than what Canadians do, but in response they get more better and timely services. For instance, the Universal Health Care System in Canada doesn’t permit the use of Erbitux - a proven cancer drug.
4. Short Term Insurance Plan is Ideal When You Leave/Lose Job:
Despite, the Consolidated Omnibus Budget Reconciliation Act (COBRA) empowers you to continue with earlier employer’s health insurance coverage up to 18 months from getting pink-slip, the employer need not pay anything on account of premiums. If you plan to replace employer’s coverage with a short-term insurance plan, it may not be a better notion all the times especially when you are a victim of pre-existing conditions and/or need maternity healthcare and prescription drug coverage.
5. You Pay High Because Your Carriers Wants to Take Home:
It’s a fact that health insurance is most expensive of its kind. But it also has a tale coupled with it, and that is customers pay high because insurance companies want to make hulking profits.
The reality behind this is -