A Guide to Individual Medicare Advantage Injury Insurance
An accident is something we all fear. There is no person who would like to be involved or to be the cause of one. But like health care, accidents are the realities of life and it can happen at any time and anywhere. The best protection which we can obtain is to get medical insurance against accidents. Among a number of affordable health insurance on the market, accident insurance is special insurance in the sense that it was actually designed to protect finances in the event of an accident. When you get involved in an accident, the extent or degree of severity is unknown and therefore anything under the sun can happen.The typical argument, of course, is that public health services end up being rationed. We hear Canadian or British horror stories in endless rows of medical procedures. (Of course, in a private system, there is also rationing if you can’t afford it, you’re not in line).
Many countries, including most Latin American countries favored by retirees in the US, have hybrid systems. The most common is having a public primary and preventive care system, neighborhood clinics where you can take your child with a cold or get vaccinated, and a private system for more advanced health needs. Nothing stops you if you are going to get private health insurance and visit a private hospital for surgery.In other words, our “health care system” is a mix of temporary solutions and constraints that have become permanent because no one could agree on anything else.
This greatly damages our economy.
The United States spends more of its gross domestic product (GDP) on health care than any other country: 16 percent. But other economic effects of our employer-based insurance system reduce our GDP way below its potential. Many people accept and hold jobs because they receive health coverage. They stay in these jobs more than otherwise. This means the overall labor mobility in the US economy. It is lower, which impairs the efficiency of the labor market.But that did not happen. Instead, the company-based insurance system has expanded to cover all sectors. Finally, government-sponsored programs such as Medicare and Medicaid have emerged to fill the gaps of the jobless: unemployed (Medicaid) and retired (Medicare) and can be obtained by visiting https://www.2020medicareadvantage.com.
Then enterprise and government systems entrenched themselves in special interests. For a variety of reasons, primarily employers, employees, insurers, and the health care industry having no incentive to control costs and premiums, the system has reached the point where the United States has one of the worst health outcomes in any developed country.
And the highest bankruptcy rate due to medical bills.