So far we have looked into how insurance companies have made things more difficult with people back in America. But know we are going beyond the protected United States and see what the health care system is like in poor third world countries. Health care in third world countries is far worse than it is here. Health care life insurance policies are based off how healthy the person on the day of applying. It is important for these people to get life insurance polices because many people are plagued with constant threat of disease, little drinking water, wars zones, insufficient food supplies, poverty, and poor living conditions. These all contribute to higher mortality rates. Even insurance companies cannot profit from life insurance policies because of the high mortality rate. The Elite class gets great polices and the lower class practically nothing. The middle class is non existent. Because of this the rich hold all the economic power while the poor are left to their own devices. Once family member dies it is a small comfort to have the sum of money as life insurance, but if their is not money than the family is left to bury their dead with no monetary value to use as comfort. The upper class again really is the only the ones that actually benefit from the health care systems in third world countries. Diseases like Malaria kills around 1.2 million people in Africa a year. These casualties are mostly young children. Things like clean drinking water accessibility also poses a gigantic issue to the world's overall heath. With no clean drinking water, diseases can harbor in the waters for long periods of time. Women that are pregnant that continue to drink this water can hurt themselves and their unborn children. The toxins in water can lead to low birth weight, along with other birth defects, but ultimately ending is SID (sudden infant death) syndrome. Other problems arise with third world countries like accessibility to health care. Lots of villages and town in Africa and other poor countries are remote, and not many options are there for those people. If a child gets sick or an accident occurs, many hospitals are hundreds of miles away and people die because of it. When physicians finally do make it to these remote areas many people are beyond the point of care. People do not have the ability to remain healthy because the resources are not there.
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In this post I will bring to light what is covered by most insurance companies and what Health Insurance companies are leaving for their costumers to deal with. Monthly for health care a premium must be paid. What is a premium? It is the monthly cost for coverage. According to Healthcare.gov, premiums can only be based on five factors. These factors are: age, tobacco use, location, individual or family enrollment, and plan category. The first one to look at in depth is age. Older people can get premiums that are three times larger than those of a young person. By the age of 46 the average premium begins to increase. By 60 a person's premium could be increased by around 3000 dollars. A young person is more likely to pay a significantly less. Another factor in higher premiums is location. This affects how much a person pays because of cost of living per state, local rules, and or competition of other insurance companies. Another factor that contributes to heath insurance companies premiums is whether or not the person receiving coverage uses tobacco. The idea behind this is, a person has the right to smoke, however with this bring higher premiums because a person who is exposing themselves to somewhere around 4000 chemicals and at least 70 carcinogens should have to be accountable for their actions. Smokers are not only putting themselves at risk but the effect from their second hand smoke is just as toxic. Since 1964 it is estimated that 2.5 million nonsmokers have died from second hand smoke. Another way the insurance premiums are determined is by who is on the plan. One of the questions is, is it only one singular person on the plan or are is there a family on it as well. Insurance premiums can increase based on who is on the plan. A plan that includes a spouse and or children will have higher premiums. Another way premiums are determined is the plans status. Plans range from Bronze, Silver, Gold, Platinum, and Catastrophic. The Bronze plan is the cheapest and it covers the most basic of plans. In the last blog post, I talked about how the quality of health care. Health care qualityj depends on the quality of care. This is an issue for families that are impoverished. Families' that do not have the option to get decent health care, probably will not have the best care. This does not mean that families that are impoverished will not be treated kindly or nicely. This just means that families do not have the means to get all coverage of care they can. For example a lower class father with stage three prostate cancer. In this stage the cancer has grown outside the of the prostate but has not reached the bladder. With treatment such as external beam radiation and hormone therapy, or surgery the outlook from treatment can be positive, but if a family does not have good coverage, some of these options may not be available because the price makes it that way. This brings up another issue woth insurance companies. As we have continued to discus, a person gets what they pay for. How much you are worth will help determine how great your care is. How to get that care coverage is another hurdle that a person has to jump over. If a child or parent is likley to have a pre existing condition it makes it difficult to get good coverage. Why? because insurance companies do not want to pay more money than they have too. A family that has a child that may have a genetic disorder and seeks treatment might cause a family to pay an arm and a leg for treatment because and insurance company isn't willing to give them the coverage they need. That child in life will struggle to find coverage when they are an adult too. A solution to this problem is to not have insurace companies base their prices on how healthy their buyers are. But more on that next blog report. |
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AuthorThis is a site in which I try to bring health issues that plague our world to light. Archives
January 2018
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