Can You Even Afford Health Insurance

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Health insurance became a popular benefit offered by small and large employers alike, right before World War II. If you were lucky enough to have a job, you most probably were lucky enough to have some form of health insurance, even if it only covered major catastrophic issues.
Those early type of insurance was either called an 80/20 or an indemnity plan. The employer would pick up the entire cost for the insurance plan. And when it came time to put in a medical claim the employee would be responsible for 20% of the entire bill, and the insurance company would pay the majority or 80% of the bill. Based on today’s expensive health insurance this might sound like a considerable sum. However, keep in mind that decades ago, a typical hospital stay might only be a few hundred dollars.
This may sound like an extraordinary amount of money. However, decades ago, even a lengthy hospital stay which may have included surgery and private care nursing may only have been about $500.
Over the years insurance premiums have skyrocketed to the point that even large international corporations are finding it difficult to provide the level of insurance they had in previous years. Smaller employers with 10 to 20 employees now find it almost impossible to even consider offering any type of health insurance benefits to their staff. Group health insurance policies, of available to any employer, sometimes are offered as the benefit. However, the employees are responsible for paying the entire premium. For instance, an entire family may need to pay over $100 a month for what could be considered only basic care.
Even two income families that were once considered to be very well off are now forced into paying all doctor bills and even hospital stays from their own pocket. Very often, when considering that some families pay insurance premiums for years without putting in major claims for any health related issues, paying for occasional out-of-pocket expenses is cheaper in the long run.
Even large companies now are being forced into reducing or eliminating their participation in employee health coverage. Over the years companies have found themselves continuously reducing the monthly benefits for employees. Many companies finally decided they would not even offer health insurance coverage to their employees no matter who paid.
In other words, a doctor will choose to accept a particular discount plan and the patient, rather than paying only his typical co-pay for a visit, would pay for the visit at the discounted rate. He would also pay a discounted rate for whatever test or procedure that needs to be done. In other words, if he needs x-rays and a particular doctor or clinic agrees to accept $150 payment for these x-rays, that is the entire payment the facility would receive. There is no insurance carrier to pick up the remainder of the bill.
As an example, a patient will visit a doctor accepts a particular plan, to which he has a membership. He is told he needs a blood test and x-rays. An insurance program would require him to pay a copayment, and then the insurance would pay the balance of what the doctor submitted. With the discount plan, the doctors who agree to participate in these plans, understand that there is no partial payment provided by that company. The entire payment is listed on a schedule that is given to the patient and the doctor. And what Al Gore but comp any states as the fee for a particular procedure is paid in full by the patient. These fees, however are greatly discounted.
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