InsureRants

Health Insurance vs. Health Care

Health care is an issue on everyone's mind. For good reason. It is an emotionally charged topic of concern for anyone that has a pulse.

Unfortunately, in this country we do not have a health care system, we have a health insurance system.

I would argue that this is the problem with health care in the United States.

To illustrate my point lets think about when you purchase a car. First you establish the amount you are able to spend. With your budget in hand, you take your list of desired specifications, perhaps a sun roof or low mileage or leather seats, to a car dealership and begin your search. You make your selection and then proceed to shop around for car insurance.

Maybe you have a clean driving record and qualify for low rates. Maybe your driving record is less than stellar and you pay a higher premium. Whatever the cost, you get the car and coverage you need. When it comes to health care this is not the case.

Using this analogy, equate a pre-existing condition to a less than stellar driving record. A health insurer's ability to provide coverage minus this condition, would be like Geico saying to you we will sell you car insurance, but will not cover any accidents. Alternatively, equate a healthy person to someone with a spotless driving record. Health insurers are citing this sector, seen in California right now, as the driving force behind their escalating premiums, which in my eyes would be like Geico blaming people who do not own cars for raising rates.

Bottom line, health insurance agencies should not be able to dictate the type of health care you receive. We need to turn our health insurance system into a health care system, where as with car insurance, we get the health care coverage we pay for and need.

holla@me with your thoughts...