Even though we have insurance companies to cover our healthcare cost Government Healthcare could be a better solution to our country’s growing need for healthcare coverage. Insurance companies charge their members thousands of dollars each year to cover their healthcare needs. People who have chronic illnesses have to see the doctor several times a month and have to pay the deductable down before coverage will start. Even worse the, patient’s deductible resets each year so that is even more money the patient has to spend on for their healthcare. Also cost of the insurance premium is high each month for some individuals who had pre-existing conditions.
For some people picking the right insurance company can be difficult. The individual has to check premium prices and what doctors are available to them in the area. In some cases people might have to drive several hours just to see the doctor that takes their insurance. When person is sick and needs to see the doctor their insurance company should not decided who they can or cannot see. Also if a patient has pre-existing condition before becoming insured the company that they choose for insurance can charge a higher premium than someone who is healthy. Most people cannot prevent becoming chronically ill because of heredity and insurance companies should not charge people extra because they are already sick.
Government healthcare would be better for those that cannot pay for health insurance. In the past several years there have been many job losses due to the economy. When these people lost their jobs, they lost their healthcare benefits also. Even though there are companies that will provide insurance coverage after a loss of a job but the price of it is expensive. Most people who have lost their jobs have been on unemployment supporting families. These people would have to make a choice take care of their families or pay for health insurance. This would be a difficult choice for a person who is chronically ill and needs to see the doctor on a regular basis. Then you have the people who have jobs but cannot afford insurance also. Some jobs do not offer employee benefits so people are left to purchasing their own health insurance. Insurance policies can be thousands a dollars a year plus a high deductible that renews each year. This would be very difficult for someone to afford if they have a low paying job.
Government healthcare would also help patient with purchasing their medications. People who have a limited budget find it hard to purchase the expensive medications they need. Some medications can cost several hundreds of dollars people just cannot pay that much money each month to stay healthy. Generic brands are available but not for every medication has a generic form. For example if a person has hypertension and his treatment requires him to be on an expensive medication. The patient will have pay for that medication out their own pocket or if they have insurance the company could deny coverage of that medication. Some insurance companies want patients to be on generic medications because they are cheaper. What the insurance companies do not understand is that cheaper is not always better. In conclusion having a healthcare system ran by the Government would help some people that are in need of medical care and are not getting it. People would no longer need to worry about not receiving the right medications or if they will be denied insurance coverage due to a pre-existing condition.