HIV
No policy will cover you for HIV diagnosed before you applied for the
policy.
With more than 41 million people uninsured in America today, the lack of
health care benefits has a widespread effect on American society.
However, this number does not accurately represent the many additional
Americans who went without insurance for any part of that year. According
to a new study by Families USA, about 74.7 million people under the age of
65, or approximately one-third of Americans, were without health insurance
for all or a part of 2001 and 2002. Of this number, nearly two-thirds were
uninsured for six months or more and nearly one-fourth of all those without
insurance did not have insurance for the entire two-year period.
Most Americans know the uninsured population is increasing, but they do
not realize that many of those without insurance are their friends and
neighbors. Approximately 80 percent of those without insurance are U.S.
citizens and about one-third of uninsured adults have incomes of $50,000
or more. The fastest-growing income segment of the uninsured earns more
than $75,000 a year.
In fact, 70 percent of those without health insurance are gainfully
employed and a full two-thirds of Americans under the age of 65 receive
health insurance benefits through their job or that of their spouse or
parent.
The effects of going without health coverage are widespread. When one
member of the family lacks health insurance, it results in the decreasing
health, emotional well-being and financial stability of the entire
household. Fifty-eight million Americans are uninsured or live with a
family member that doesn't have insurance, and thesefamilies pay on
average more than 40 percent of their medical expenses out-of-pocket.
Individual health also suffers, often far more than many people realize.
Even being uninsured for just one year appears to actually diminish one's
health. Americans without health insurance are more likely to die
prematurely than those with
insurance, attributing lack of insurance to 360-600 premature breast
cancer deaths, 1200-1400 deaths among HIV-infected adults, and 1400
premature deaths to hypertension each year.
Uninsured people also are less likely to have routine checkups and
screenings, and therefore are more likely to be diagnosed with a disease
in its later stages.
Beyond individuals and their families, communities also pay a high price
for the uninsured. Areas with high rates of uninsured individuals are more
likely to reduce hospital services, divert public resources away from
disease prevention and surveillance programs, and reallocate tax dollars
to pay for uncompensated medical care.
Americans are looking for solutions, right now. They have a need now.
Waiting on the Government is not the answer and those that suffer with
pre-existing conditions need solutions. There is one company that appears
to be on the cutting edge of supplying an answer.
No policy will cover you for cancer diagnosed before you applied for the
policy.
With more than 41 million people uninsured in America today, the lack of
health care benefits has a widespread effect on American society.
However, this number does not accurately represent the many additional
Americans who went without insurance for any part of that year. According
to a new study by Families USA, about 74.7 million people under the age of
65, or approximately one-third of Americans, were without health insurance
for all or a part of 2001 and 2002. Of this number, nearly two-thirds were
uninsured for six months or more and nearly one-fourth of all those without
insurance did not have insurance for the entire two-year period.
Most Americans know the uninsured population is increasing, but they do
not realize that many of those without insurance are their friends and
neighbors. Approximately 80 percent of those without insurance are U.S.
citizens and about one-third of uninsured adults have incomes of $50,000
or more. The fastest-growing income segment of the uninsured earns more
than $75,000 a year.
In fact, 70 percent of those without health insurance are gainfully
employed and a full two-thirds of Americans under the age of 65 receive
health insurance benefits through their job or that of their spouse or
parent.
The effects of going without health coverage are widespread. When one
member of the family lacks health insurance, it results in the decreasing
health, emotional well-being and financial stability of the entire
household. Fifty-eight million Americans are uninsured or live with a
family member that doesn't have insurance, and thesefamilies pay on
average more than 40 percent of their medical expenses out-of-pocket.
Individual health also suffers, often far more than many people realize.
Even being uninsured for just one year appears to actually diminish one's
health. Americans without health insurance are more likely to die
prematurely than those with
insurance, attributing lack of insurance to 360-600 premature breast
cancer deaths, 1200-1400 deaths among HIV-infected adults, and 1400
premature deaths to hypertension each year.
Uninsured people also are less likely to have routine checkups and
screenings, and therefore are more likely to be diagnosed with a disease
in its later stages.
Beyond individuals and their families, communities also pay a high price
for the uninsured. Areas with high rates of uninsured individuals are more
likely to reduce hospital services, divert public resources away from
disease prevention and surveillance programs, and reallocate tax dollars
to pay for uncompensated medical care.
Americans are looking for solutions, right now. They have a need now.
Waiting on the Government is not the answer and those that suffer with
pre-existing conditions need solutions.
Commentary provided by,
Zane Evan Wright [Multiple Sclerosis and Uninsured]
http://HIV.AMERIPLAN-HEALTHCARE.COM
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