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Introduction

I’ve recently come across in my research of the US healthcare and insurance system, an interesting question. To summarize from news articles, the issue is:

“Why is it that policies that cover important services, such as vaccinations for children in small towns and dental work for seniors, are excluded from Obamacare’s list of essential health benefits?”

The answer to this question leads me to two conclusions. First, that our current healthcare system is a complete mess. Second, that I had no idea where I stand with regard to American healthcare policy.

Basically this was the answer I found in Health Affairs:

“Insurance plans sold on the exchanges are not required to provide coverage for all essential health benefits (EHBs), which include some but not all of the following services: maternity and newborn care; mental health and substance abuse treatments; prescription drugs; preventive care, including screening and counseling for diabetes; dental services; rehabilitative and habilitative services and devices; laboratory testing; preventive care by primary care practitioners (PCP) who participate in Medicare or Medicaid; pediatric vaccines recommended by the Advisory Committee on Immunization Practices (ACIP); hospitalization (including emergency services); and outpatient prescription drugs.”

What can you do here?

If you’re buying your own insurance, you’ll probably want to consider life insurance.

If you’re buying your own insurance, you’ll probably want to consider life insurance. Life insurance can be purchased by an individual or by an employer (and some plans require it). The most common types of life policies are term and whole life.

Term Life Insurance: A policy that pays out a specific amount at regular intervals beginning when the insured dies and continuing until death occurs. The payout will depend on how much the policyholder paid into their account during their lifetime; premiums increase as they age, so this type of policy works best for those who expect to live longer than average lives—or who have children who may need help financially later on in life!

Whole Life Insurance: A type of whole-life plan where premiums don’t decrease with time like they do in other types like fixed-term policies; instead they remain constant throughout each year regardless whether there was any change made towards purchasing one last year or two years ago when purchasing them initially.”

The main types of medical insurance include group medical insurance and individual medical insurance.

Group medical insurance is a type of health insurance that’s purchased by employers or employees, and it covers both employers and their employees.

Group medical plans are usually cheaper than individual ones because they don’t have to cover everybody in the group. They also tend to be more comprehensive (covering more procedures or treatments).

Group medical insurance is a type of health insurance that’s purchased by employers or employees, and it covers both employers and their employees.

Group medical insurance is a type of health insurance that’s purchased by employers or employees, and it covers both employers and their employees.

It’s important to note that group medical plans are not the same thing as employee benefits packages. Employee benefits packages can be purchased by an employer on behalf of its workforce through an HMO (Health Maintenance Organization) or PPO (Preferred Provider Organization).

Individual medical insurance is a separate plan that’s purchased by an individual; it may be part of a self-funded health care plan or it may be purchased through the Health Insurance Marketplace.

Individual medical insurance is a separate plan that’s purchased by an individual; it may be part of a self-funded health care plan or it may be purchased through the Health Insurance Marketplace.

It’s important to note that individual medical insurance isn’t a substitute for group medical insurance. The only way you can get coverage at all, whether it’s through your employer or on your own, is if you have enough household income to qualify for tax credits and subsidies under current law (which could change).

Medicare is a federal health care program for retired people and people with disabilities.

Medicare is a federal health care program for retired people and people with disabilities. Medicare helps pay for medical costs that aren’t covered by other types of insurance, such as workers’ compensation or private insurance plans.

Medicare works like this: You pay your monthly premiums based on how much you earn (or don’t earn) in addition to paying premiums for your employer’s health plan. When you become eligible for Medicare, the government pays most or all of your medical expenses until age 65. After that point, some benefits will be provided through various programs such as Medicaid and TRICARE—but not all of them!

Most retirement plans are defined benefit plans which base payments on the number of years you’ve worked and how much you’ve earned.

Most retirement plans are defined benefit plans, which base payments on the number of years you’ve worked and how much you’ve earned. Defined contribution plans use a different approach: they provide employees with a certain amount of money each month, regardless of how much they earn.

You can choose between these two types of retirement plans based on your financial needs and risk tolerance. If you’re young, healthy and not ready to retire yet (or even if you are), a defined benefit plan may be right for your needs because it provides guaranteed income in retirement while also providing a way out of the workforce early if necessary. On the other hand, if there’s no guarantee that payments will continue after age 65 or 70; or if taxes could increase dramatically over time due to inflation; then making lump sum withdrawals from an IRA early may be best for reducing tax liabilities down payment

Under a defined contribution plan, your retirement benefits are based on the amount you contributed to your savings, investment returns and any employer matches, plus any other contributions that have been made since you started working.

Defined contribution plans are defined as being more flexible than defined benefit (DB) plans. They’re also more affordable and portable than DBs, which means you can use them in any job or industry. The downside is that there may be limited coverage for some events, such as disability or death.

Defined benefit plans are designed to provide a specific amount of money at retirement based on an employee’s years of service and earnings history. However, these benefits can’t be changed easily once they’ve been set up by employers—and they often contain high administrative costs because they require more paperwork from both employees and employers.[1]

Conclusion

I think you are right. The problem with insurers is that they can take forever to make decisions. I have a claim for medical expenses (not covered by insurance) and it’s been over 3 years since I made the claim and still counting…

The lesson here is not just to be patient but to understand what exactly is the problem and what caused it. If there isn’t even a hypothesis of what’s wrong, then there isn’t much that can be done because the cost of finding out is significant (at least in absence of an accurate diagnosis). Of course, if no diagnosis was ever made, then indeed we would all get stuck with this insurance costs forever given the fact that we live in a capitalist system where profit trumps people. Something will eventually give (a financial loss or perhaps a total refusal to pay as seen in some countries where credit card companies literally refuse to pay up) but it’s not going to happen anytime soon because this system has become too lucrative for now and therefore let’s hope that things won’t change until someone actually writes down a nice expose on the whole thing 😀 .

My suggestion, if you really need insurance, don’t go for anything from a regular insurer but rather go for some kind of “non-profit” health insurances like Aetna or United Healthcare which are more flexible in their billing practices compared to their public counterparts. In addition if you’ve had some experience with these kinds of bills you will most likely know how much they’re worth so you can probably bargain down these kinds of bills while they’re still small enough not to be too problematic (which means after at least 6 months).

To your second point though… yes but that doesn’t help if he only recently got sick and began treatment right away since those conditions can take days or weeks before showing signs…

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