DS Articles

You should consider insurance as an investment instead of an expense. It is indeed an investment in your financial future. We work hard to build up our assets to increase our net worth. If you are successful at that, then you need insurance to protect you in case of a catastrophe which could wipe out your assets.

If you have a serious accident or illness, then you will appreciate the true value of health insurance. It is a necessity for all families. Often we don’t realize its value until it is necessary for us to go see a doctor.

Many online resources are presenting themselves as insurance companies when really what they are offering is low cost medical discount cards. Many people have been misled by their advertisements, and the deception seems almost intentional in most cases. Medical discount cards do not in fact provide insurance, and the difference is obvious, they provide a discount on medical services through specific providers, however, you in turn pay the remainder of the bill.

America continues its debate over universal health care, as the two side spar back and forth. On one side are citizens who are seeing health care costs skyrocketing out of sight as more Americans lose their health care coverage. And the other side continues to express the fear that any comprehensive government funded program would amount to nothing more than socialism.

Health insurance is on the minds of many Americans these days. Some are worried about losing their insurance benefits due to unemployment, some are concerned about how they will pay their health insurance premiums with the cost of everything rising and a third group is worried and asking the question Am I paying too much for my health insurance?.

Some may wonder why there is such a push to make children a primary focus in the effort to get health care for all. After all, adults need health care more often than children. The country is using children as leverage to help get universal health care passed. Why?

When Americans think of people who don’t have health insurance, the first group that comes to our mind is the unemployed. But that is no longer an absolute rule. Many are surprised to learn that having a full time job no longer guarantees health care benefits. Companies are cutting costs wherever they can to stay afloat, and health care is one of the first things to go in their budget slashes. The problem with this is that there is now a growing class of Americans without insurance who work full time, but who make too much money to qualify for Medicaid, and don’t make enough to purchase private coverage.

The Congressional Budget Office (CBO) just submitted a testimony to the Senate regarding the best ways to expand health insurance coverage while reducing health care costs. The 32 page testimony contained some surprising information. It revealed that the total spending for health care will amount to 18% of the U.S. gross domestic product for 2009, or the equivalent of $8,300 for every man, woman and child if you do the math. It also stated that there will be at least 45 millions of uninsured Americans this year.

In Washington these days, the name of Kansas Governor Kathleen Sibelius is repeatedly mentioned as a leader for the nomination of Health and Human Services Secretary. She has enjoyed a long and close working relationship with President Obama, signing on early as a strong campaign supporter.

Call me nuts. Maybe I don\’t know all of the facts, but I hear things every day that make me go crazy. And I have to finally say enough. As we enter an era where we have a new president with promises of health care reform, we begrudgingly are reminded that Medicaid patients are being turned away daily at doctors offices because Medicaid won\’t pay the doctors enough. Let me be clear, this is not the fault of the new president, since he\’s been in office for a mere two weeks and these problems have percolated over the last several years with no attention paid to them by the administration in charge.