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Services for Real Estate Pros with Central Insurance Advisors, LLC

July 20, 2008 05:06 AM

U.S. last in prevention of treatable conditions

A Commonwealth Fund study of health care in 19 industrialized nations finds that Americans are waiting longer to see doctors and, as a result, more likely to die of preventable or treatable illnesses than individuals in other industrialized countries.

The study -- which used a 100-point scorecard with 37 indicators such as health outcomes, quality, access and efficiency -- finds that the U.S. fails on most measures of health care quality.

In fact, when compared to other countries, as well as the best performing states, counties and hospitals in this country, the U.S. scored 65 out of 100, a figure two points lower than that of 2006.

Meanwhile, in terms of prevention of premature deaths from treatable conditions, such as asthma and heart attacks, the U.S. fell from 15th in 2006 to last among 19 industrialized nations in 2008.

So....

Why would anyone be without health insurance, when there is coverage available that can provide access to care at an affordable price. Are you waiting for some "government program" that is going to save you?

If you have no coverage Be smart.... Save yourself....before it's too late!

Bruce Husson (Central Insurance Advisors, LLC)

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Dean Moss

Dean's Team - Keller Williams Realty Partners Chicago IL - Chicago, IL

Dean's Team Chicago IL Real Estate Team

Bruce -

I'm a boomer - you know our generation.

I wouldn't think for a minute of being without health insurance - but you would be amazed that many younger people view it as "optional."

We had a twenty-something woman on our Team last year - and I was floored when I heard she hasn't been covered since she was in college.

Problem, as well - it is getting SO expensive, especially Blue Cross/Blue Shield.

DEAN & DEAN'S TEAM CHICAGO

Jul 20, 2008 05:16 AM

Bob & Carolin Benjamin

Benjamin Realty LLC - Gold Canyon, AZ

East Phoenix Arizona Homes

Many people we know can't afford to have coverage. For many there is not a "reasonable" price that fits into their budgets. Even with insurance, there is not an easy way to deal with doctors. With the western medicine system that gives a patient about 6-8 minutes with a doctor per visit, things don't always get dealt with well. Our 2 cents.

Jul 20, 2008 05:19 AM

Bruce Husson

Central Insurance Advisors, LLC - Charleston, WV

Dean--

I am too astounded by the fact that many young people do not have coverage. I believe that it is due to a failure on the part of their parents and schools to educate about the inherent risks and the need to protect against those risks of health issues and accidents. Why spend a fortune educating them in higher education then lose their investment to some disability that can ruin their chances of success. They buy homeowners coverage to protect against loss due to fire, storm etc. Auto insurance to protect their cars. Are children not as vaulable as your home or car? These coverages are mostly mandatory, banks require to coverage the mortgage and state law requires auto. Is life not more valuable than these assets? I'd rather lose my car or home than my children, of course, that's just my opinion.

Bob and Carolin--

Certainly, affordability is an issue, and many insurance companies are pricing according to the risk they face. The cost of medicine is not cheap. With so many not insured the cost shifting by hospitals is enormous. Mandating some form of coverage would bring the cost down. if everyone was covered the risk would be spread over a greater number of individuals. Thereby requiring less premium to cover the cost. Its really that simple. How much does it cost to insure your home or car. Very low by comparison. Most medical claims (80%) average less than $2000 a year for a family. One-percent (1%) are the major claims, ie heart cancer etc. Mandating a basic form of coverage that targets prevention, providing access to care, will reduce the overall cost of care. Why the politicos can't see this in simplistic terms is beyond comprehension. Even without mandating coverage the cost is coming down. Young people's premiums are in the $60 to $70 range for excellent protection. They spend that easily in a weekend at movies and dinner. I know because I have kids too. Parents are at risk when they don't provide coverage for their children, the claims responsibilty is on their back.

Jul 20, 2008 11:56 PM

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