With all the health reforms on the table for debate recently, a topic that has always been brought up is an important and relevant issue. What exactly counts as an "essential health benefit" that your health policy absolutely needs? The debate has covered everything from a set list to 10 broad categories. Things like professional services performed by physicians and other health professionals, hospitalizations, and medication costs have been included in the list of essential benefits. New Insurance plans will reflect these features, but as of now, new regulations on health insurance have yet to be defined. It is hard to gauge what this will mean for health industries, for insurance companies, and how it will affect you.
The bare essentials covered by Medical Insurance plays a large part in determining the affordability factor in buying health insurance. Policy options and what the costs cover can either be expensive if too many things are featured, whereas comprehensive benefit packages are too expensive for average people. The difficult issue remains, how to determine what the essential benefits that will apply to the masses, not a select few and make the package relatively affordable. There is going to have to be great strategic planning and smart balancing so that not every minuscule thing is covered, but be not so generic and broad that the plan will be out of reach for many people.
Can we take precedence on any previous policy plans and use it as an example? Not really, but many organizations like The National Health Council and Health & Human Services are working together to create a list of important and useful benefits that most insurers should think about covering on their basic plans. Medical Insurance can also take a great amount of precedent learning from Medicare's physician insurance, which clearly states what the benefits are, and at what specific level of the policy they're covered.
The debate is still, whether to spell out specific benefits covered in medical Insurance, or to go with more broad benefit categories. Throw in making healthcare affordable for all, and we have quite a challenge on our hands. Hopefully the health reforms will improve current healthcare conditions and be more of a benefit rather than a challenge for all to have. It's important for the government to regulate some aspects of the medical insurance industry, but certainly not all aspects. Whatever happens, be sure you shop around and compare many different policies from different insurance providers in order to find the right policy and budget for your needs.
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