Realizing The Real Uninsured Plight

Crisis situations present themselves in uninsured or no insured matters. As unimportant as some might think being insured is, is will usually peak the importance meter when personal finances are threatened. As independent as we all like to think we are, we are the fabric that makes up a much larger collection of individuals within a whole collective unit and what affects one individual will have ripple effects throughout the whole unit. The collective strength or weakness is dependent upon each person. If more persons have no or not enough insurance is will jeopardize the whole financial well being of the collective.

Upon closer examination, it is easy to see that the uninsured and under-insured in this country will without doubt be adults with lower annual incomes. Government programs see to it that most of the elderly population is covered by the Medicare program and the under 18 children are covered by the Children's Health Insurance Programs such as Medicaid. This has left a coverage gap that is being filled by low income adults and anyone who has been denied health insurance coverage due to preexisting health conditions.

The government has started efforts to stop this plight of those at the mercy of no or inadequate health care coverage, but searching out ways to add more desperate people in need of dire help. Huge financial burdens are placed on the government as well as the tax payers of the nation that is a direct result of uninsured and under-insured citizens. This might not seem such a big deal if it doesn't appear to affect anyone with insurance coverage, but the fact is, that is does affect everyone in this nation, covered or otherwise, and each individual burden will become heavier and more noticeable if not changed soon.

If we peel away the system layers we will notice that payment for services are coming from somewhere, nothing goes unpaid, even for those who cannot afford to pay. This financial check book is usually your pocket when you seek services from a doctor or hospital, or pay your insurance premiums, or from the government which must raise your taxes to afford payment for uninsured and under-insured health care. The money will come from somewhere, even if it doesn't seem fair or justified. Understanding health care reform will help you understand how you will be helped with the right reform.

Having a playing field where everyone is able to enjoy affordable health care, regardless of life circumstances, is in the best interest of everyone. This will help keep expenses at a very manageable level within the industry. Checks and balances will be easier to better monitor and maintain for financially healthier results for everyone. Other positive side effects will include quality care of a higher degree in addition to reduction malpractice insurance costs and lawsuits. All Americans should reexamine the federal governments efforts to solve these problems and show support with patients during the painful process.