Health Insurance Reform Bill Does Not Compare to Low Cost Health Plan

As the health insurance reform bill has been a topic of overwhelming contention, for the last year, more Americans recognize the deficiencies of a government-sponsored health plan. For those, who do not have medical coverage, the benefits of shopping around for a low cost health plan or medical quote, outpace passing the problems associated with the proposed, national health insurance reform bill.

The nation will endure a series of setbacks, if Obama\’s health plan reform bill obtains the green-light. The health and medical sectors will suffer from a deficit of professionals to service because fewer people will have the desire to enter a federally sponsored health and medical sector. With fewer medical professionals to care for a higher demand, diluted health care and negative economic consequences will be the outcome. These chronic issues underscore the importance for Americans to shop around for a low cost health plan, exercising the choice to choose a viable plan.

During the close brush with a financial collapse, the health care sector was the one marketplace, which added 631,000 new jobs, compared with other industries that succumbed to major lay offs. From a financial economic landscape, the health sector is comprised of some 14.3 millions jobs. (BLS.gov). Meanwhile, health insurance reform, in the form of nationalizing American medical, will induce job loss rate, lowering the standard of healthcare quality, and inevitably raising taxes.

Canada is an example of how a socialized healthcare program tends to do more harm than good. A report researched and published by the American Medical Student Association, evaluating Canada\’s socialized health care system, showed waiting list discrepancies across each province and amongst medical facilities.

Although, Canadians have access to medical coverage, a study published in the 2009 Lancet Oncology showed that five-year cancer survival is higher in the United States (Wall Street Journal.com). Since the socialized plan is unable to accommodate all the preventative screenings, a high percentage of conditions go undiagnosed. The findings suggest that rather than overtly ration health care Canada\’ health system uses waiting lists.

Another study by the Joint Canada/U.S. Survey of Health indicated that Canadians, who are on socialized health care, are not any healthier than their uninsured, American counterparts.

Numerous data supports that Americans are better off shopping around for a low cost health plan than endorsing a health insurance reform bill that will ultimately impair our nation\’s economic infrastructure.

Rather then mandate a national health insurance reform bill, resembling a socialized system, where medical care will inevitably be rationed for financial and practicality reasons, Americans have to decide between a health insurance reform, which is a euphemism for nationalized health care or shopping around for a low cost health plan.

Read additional details about buying Illinois health insurance or to obtain a hassle free Illinois health insurance quote, visit Illinois Life and Health.com

Basic Michigan Health Insurance Questions and Answers

For Michigan health insurance, the selection of medical coverage entails understanding various legal requirements, underwriting stipulations, as well as preexisting medical guidelines. Refer to the questions and answers to shop around for health insurance.

Are rate restrictions applicable? The only insurance provider, who must rate products for individual polices is Blue Cross Blue Shield of Michigan.

What are the underwriting stipulations for Michigan health insurance? In Michigan, all insurance agencies with the exception of Blue Cross Blue Shield of Michigan and health maintenance organizations (HMOs) have the autonomy to medically underwrite services.

During open enrollment, are elimination riders legitimate? Although Blue Cross Blue Shield of Michigan and HMOs are required to guarantee coverage during open enrollment (including HIPAA eligible), elimination riders are non-permissible.

Are there strict guidelines for Michigan\’s Patient Bill of Rights? Effective since, October 1, 1997, the Michigan Patient Bill of Rights grants patients the right to obtain their medical information and health coverage sooner for conditions that were diagnosed prior to enrollment of the current Michigan health insurance. The legislation does not apply to self-funded health care plans.

Does Michigan have any preexisting condition requirements? Blue Cross Blue Shield of Michigan and health maintenance organizations (HMOs) have a 6-month look-back and an exclusionary period limit for preexisting medical conditions. As for individual policies from other Michigan health insurance plans, providers have to follow a 6-month look-back and a 12-month exclusionary period limit for preexisting medical conditions.

Where can individuals in need of health insurance obtain hassle free medical quotes? It is illegal for any insurance representative to charge for medical quotes.

At MichiganHealthandLife.com, licensed insurance agent, Michael Novelli provides several various medical coverage quotes.

To speak with a reliable source in Michigan about Michigan health insurance, speak to Mike Novelli at 1-866-522-5953. Or you can obtain your own free quote by clicking on this link, Michigan health insurance quote.