Health Care Costs Is Rising-What You Need To Know

Americans pay more than one and a half trillion dollars for medical care each year and costs related to all manner of health care, such as prescription drugs, continue to skyrocket. While some of reasons behind this booming bill are understandable, Americans caught in a cash crunch might be surprised to find out some of the lesser-known causes of high health care costs.The words health care might invoke images of doctors, nurses and hospitals, but the reality is that the medical field is a business and a ruthless one at that. Individual practitioners, researchers and participants may have wonderful intentions and a true desire to help people, but the structure of the American health care system ensures profit is the number one issue of importance.Here are some facts that may help explain the high costs of American health care:Pharmaceutical research and development companies spend roughly $20 billion each year on R&D, and about the same amount on advertising and self-promotional marketing activities.There is sure to be a grin on your face once you get to read this article on health insurance. This is because you are sure to realize that all this matter is so obvious, you wonder how come you never got to know about it!Additionally, drug companies have as many sales people as there are doctors in the United States. One of the responsibilities of this sales force is to convince doctors to attend pharmaceutical company-sponsored seminars where drugs are showcased.According to some economists, the purchase of new technology is responsible for more than 50 percent of new health care spending over the last three years.Much of the money Americans pay for health care finds its way into the rising profits on health care-related products and services such as the provision of medical insurance. Even higher costs have been forecasted for the future, especially for prescription drugs.For many Americans who are unable to afford the health care they need, rising costs represent an ever-increasing barrier to medical services and products. The financial burden is also felt on the larger national scale with about 15 percent of gross domestic product going toward health care costs. That is equal to about one quarter of the annual federal budget.Comparatively, Canada invests around 10 percent of its GDP on its public health care program. Unlike the United States, Canada’s health care program is universally available to all citizens and permanent residents without cost. Other countries, such as Germany, where there is a public/private delivery system model for health care, manage to serve their populations for even less while still having better longevity than Americans. This proves that the quality of health care does not rise proportionally with the amount of money spent to attain it.While many Canadians supplement their universal health care with added insurance to cover the cost of medication and perks such as semi-private or private hospital rooms, health care insurance is much more essential in the United States. Unfortunately, costs have been rising dramatically, making health care insurance out of reach for many Americans. Currently, more than forty million Americans do not receive any kind of health care benefit.Developing a vision on health insurance, we saw the need of providing some enlightenment in health insurance for others to learn more about health insurance.For employers, providing health care insurance for employees is also becoming more expensive, with increases dramatically outpacing inflation rates. Some years, the difference is four or six fold. Even if premiums were to remain static, offering health care insurance to employees still costs several thousand dollars per worker. For smaller companies, or for those who employ a large number of people, these costs can be prohibitive.Measures to reduce health care costs are always under consideration, though many are not popular choices. Suggestions that have been put forward by various sources have included:Increased drug awareness and education. Millions could be saved if health care insurance covered only generic versions of drugs that have been proven just as effective as their more expensive brand name counterparts.Terminate expensive treatment options will only add a short amount of time to a patient’s life, particularly if it will not be quality time (i.e. patient is in a coma).Promote preventative care such as smart lifestyle choices, proper nutrition and exercise.Examine to ways to control drug advertising to consumers. There is speculation that advertising has led to prescriptions of non-necessary drugs.Limit malpractice liability so doctors and medical professionals do not feel pressured to cover themselves by ordering unnecessary tests to substantiate conditions they already know to be present.To view our recommended sources for health insurance, or to read more articles about health insurance, visit: [http://www.insurance-quote-puppy.com]

Why You Need The Services Of Internists In Health Care

Internists in health care are popular as primary health care givers to lots of people. You could be a regular patient to an internist but have no idea simply because it’s a foreign term to many. Some people confuse this professional for an intern or medical professional in the early years of medical training. However, that is wrong.What is an internist?An internist is an internal medicine doctor who is a medical professional that specializes in adult medicine. He/she focuses on treatment and prevention of diseases in adults. Such a medical professional is qualified to treat anyone from teenagers to the elderly. They are familiar with the treatment of all manners of illnesses from chronic to multi-system diseases. So you can see that an internist in health care will help you deal with any disease you are dealing with professionally and with great care.An internist is not a family practitionerAlso, an internist is not to be confused with a family practitioner. A family physician can tend to individuals of all ages from babies to the elderly. However, they mostly focus on giving out- patient services. On the other hand, internists focus on patients 18 and over. They also emphasize on inpatient medical services to their clients.Services provided by an internal medical practitionerYou can use an internist in health care as your primary health care giver just as you would a general practitioner. So, if you have to take screenings for cholesterol, blood pressure and blood sugar among other medical issues they will help you just like any other professional health practitioner.They also communicate with other medical experts so that if you need extra professional medical help from other doctors, they will recommend you to the best ones. They have an excellent network of medical professionals such as cancer experts, pediatricians, dermatologists, nutritional experts and more at hand that they recommend their patients when necessary. However, you can be sure that expert internists are trained to handle the majority of medical conditions that do not require surgical or procedural intervention.Reasons to get an internistNow that you know what an internist is you need to know why you should sign up with one. Internists in health care provide you with some benefits.- Personalized serviceWhen many people get ill unexpectedly, they often have to visit emergency medical care centers for treatment. Such facilities often have no record of your medical history at hand. You will end up in the hands of a medical professional that you are unfamiliar with and who is unfamiliar with you.However, if you subscribe to the services of an internist in health care, you are treated by someone familiar with you and your medical history. They often have all your information right down to your family history and are doctors you are familiar with so that you feel you are in safe hands.- Preventative careInternists in health care will also provide you with preventative care that other medical professionals cannot give you. It’s a step further from personalized services where they keep monitoring your health even after you get treatment. Such services help to minimize chances of future complications or costly emergency care, which often happens due to neglect. Internists are a great investment when it comes to your health and that of your family, so why not sign up for their services today!

Affordable Health Care is Slipping Away

Affordable health care is one of the things that everyone all over the country wants. The cost of health care has sky rocketed in the past few decades. In the past, many of us rely on our employers to provide good, affordable health care. However, businesses are now cutting worker’s benefits to cut costs. Fortunately, it’s still possible to be adequately covered in case of a medical emergency.It is unfortunate that employers are cutting costs where affordable health care is concerned. Employers often expect employees to pay a greater share of the total of the monthly, yearly or quarterly premiums. Many people think they can’t allow for health care on their budget so they simply opt not to sign on to the company health care plan. However, the same people will always find a way to afford vices like cable television, cigarettes, junk food, and alcohol. They may be able to find the money to pay for a health care premium if they cut down or give up some of these luxuries.You may want to look carefully at the health care plans provided at both places of work if you’re married and both of you work. Couples may find a little more of what they had in mind if one spouse’s health care plan seems to be a little sparse in coverage or non-existent.Your employer’s health care plan may not the best option or is simply unavailable. You may choose to discuss your options with your local insurance agent if there aren’t enough people in the company you work for to qualify for a group coverage plan. The same agent that provides coverage for your house, and car may also provide affordable health care insurance.You should also have a local insurance agent that’s trustworthy just as everyone should have a family doctor, mechanic, and lawyer they trust. Try to ask friends and relatives about whom they go to for their insurance needs if you don’t have a family insurance agent. A recommended, reliable, insurance agent is sure to be able to provide you with affordable health care coverage or at least will be able to direct you to someone who can assist you in this goal.There are some insurance companies that provide a cafeteria plan for those that rely on their coverage. You can pick and choose what options you want to be covered for in a cafeteria plan. If you make sure that you won’t have to pay for anything you don’t need or want, then affordable health care will be possible.Making sure that you have some sort of coverage for medical emergencies is the most important thing you need to do for affordable health care. Remember that medical emergencies are not something that happens only to other people. A health care crisis could hit your family just when you least expect it.