Being Uninsured Put’s Your Family Is At Risk
As a parent you want to do the very best for your family. You work long hours to provide the best home, food and other amenities of life that you can afford. Hopefully, you have employer sponsored health insurance, but that is not always the case, nor it is guaranteed. Company downsizing, restructuring, or business failure can spell loss of health insurance for your family, and often times, those same situations can equal an inability to afford private health care as well.
The number of uninsured people in this country is growing in leaps and bounds.
Rising health care insurance costs are keeping many employers from offering it as a benefit, and private insurance can be even further out of reach for many struggling families. A recent study showed that 15% of employees were not even offered insurance at their place of employment, and that of the remaining number that were offered, up to 52% of them did not take the offered insurance because of cost.
Nearly one third of the population, or 90%, 65 years old or younger, spent at least a portion of 2006 without any form of health insurance at all. It is not just the poor, or the working poor that suffer without insurance however. Nearly 40% of the uninsured are from households that earn $50,000 or more per year. Realistically, if these people cannot afford adequate health insurance for their families, how can we expect a family pulling in half that or less to manage?
Of course, our children come in contact with more communicable diseases by their very nature, and they are more likely to be injured during play, but the number of uninsured children keeps growing every year.
Some children will qualify for Well-child, or similar state sponsored health care plans, but limited funding and impending budget cuts puts those programs at risk for termination. The number of children without insurance is well over eight million, and only increasing as the economy falters.
Without insurance, health concerns go untreated until they become a majorissue. Most uninsured people admit that they rely on local emergency rooms for so called “routine” care, making hospital charges increase, which in turn increases insurance premiums. This increased premium will then force yet another family to drop their insurance coverage and the vicious cycle goes round again.
Care in the emergency room costs more than in wellness clinics and doctors offices, but those places are more and more frequently asking for fees to be paid upfront.
If that money is not available, then the visit will be put off until it actually does become an emergency. An uninsured person is 30-50% more likely to be hospitalized for an avoidable condition, and the cost of that stay will be in the neighborhood of $3300. Maintaining your health and the health of your family is important, but if you truly cannot afford insurance, what can you do? Not all families will have employer insurance offered to them, and those that do have the offer, cannot afford their portion of the premium. Many of the so called “working poor” do not qualify for state sponsored health care, even for their children only, so what is the answer?
Get onestop insurance from a provider you can trust.
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