Work related health insurance coverage is a necessity for many American families, and is particularly utilized by those categorized as middle class. High income individuals may have insurance through employment, but are also able to set aside health savings accounts in preparation for future expenses. On the other end of the spectrum, poverty level individuals can receive health benefits through the state, including free treatments and medication. Although health care coverage is accessible to many people, it is also out of the reach of many other people. Young people who are no longer covered under family plans, but do not have insurance through work, are many times uninsured. State benefits do not apply to them, but they have not begun to make the income necessary to pay out of pocket. Even though younger people tend to be more resilient, if a serious health problem occurs they may be left with a tremendous bill. Their only recourse will be taking on hefty payment plans, borrowing from relatives, or applying for loans. They will be starting out in life with debt. The self-employed are often uninsured for the same reasons. When given a choice to spend high premiums on insurance that you may not use, most people will rather have that money in their hand every month and pay for small medical expenses as they come. Surprisingly, American children are at risk. Although state programs will provide care for many children, only those from families whose income is below a certain level will qualify. Expenses are not considered, only income. This leaves many children just above the poverty line without coverage. Dental care is a very important component of health care which is often excluded from health insurance packages. In fact, affordable dental care coverage is very hard to find. As dental care expenses are below other medical expenses in the minds of most people, they make the choice not to go to the dentist at all. This can result in painful and dangerous rotten teeth, loss of teeth, and untreated cavities. The elderly are especially at risk, as tooth loss may lead to increased difficulty eating, and therefore, dietary shortfalls. As a result of not having the security of good health coverage, many individual turn to alternative therapies and herbal remedies. Neither of these offer the vast array of life saving treatments proper medical care can offer. While they may be suitable for simple ailments, they cannot provide real solutions for advanced medical problems. Some people may even attempt to treat broken bones with homemade casts, or remove teeth at home. Pain can be a controlling factor in the lives of many Americans. Because they lack health care coverage, and, by extension, proper medical treatment, they may become housebound, prematurely retire, or be unable to enjoy their regular daily activities. This is the sad truth in a country which is supposed to afford limitless opportunity and guarantees the right to at least pursue happiness. Even now, there is no health insurance coverage that is truly accessible; accessible to every person in every walk of life. Out of pocket expenses for insurance are in many ways as unmanageable as out of pocket expenses for the care they are supposed to cover. The President of the United States of America certifies that health insurance is a right to which every person is entitled. All Americans should be afforded the opportunity to obtain coverage they can rely on, and which they can afford, regardless of their circumstances.
Please Rate this Article 5 out of 54 out of 53 out of 52 out of 51 out of 5
Not yet Rated
