June 14, 2008
Affordable Health Care
Health care increases are placing a financial burden on many American homes so the need for affordable health care has never been so great. A number of employers have reduced their health care benefits because accountants are working to tighter budgets and the costs of providing this service have risen.
I am one of those people affected by these rises because a couple of years ago my company's health care plan was changed, resulting in fewer benefits. Suddenly, my employer announced it was getting too expensive and was switching health care providers.
The company was seeking a more cost effective plan that would benefit all of its employees. I am told that the new insurance package is still very good and I'm lucky to have it. It's not that I'm against the company trying to save money and make it more equal but twice the amount is now taken from my paychecks each month so that the rest of my family can be on the policy.
So basically in order for all the employees to benefit where I work, I have to pay double but my pay remains the same so I am actually taking home less.
To be honest, I got on well with the old provider but can't see that happening here even if the health care plan is half decent. For many of us, higher out of pocket expenses and less in our pay checks is the only result of this pursuit of an affordable health care plan. I am sure of this because just over 2 years ago when I had my little boy, the stay in hospital was completely covered by my insurance policy. Whereas if I were to have that same stay in hospital today it would cost over 4,000 dollars.
Keep in mind that although I would have to pay hospital fees, there is also the small matter of my co-pays as well. The availability of affordable health care plans is on the increase which should help those less fortunate.
Options now exist for people that are not supplied with a health provision where they work, and now single mothers have access to plans which they can join; some people can even have free health care. The problem is when a small number of people take advantage of a system that was designed for those that needed it most.
I feel sorry for those in genuine need of affordable health care who must look around and see others who are just sponges on the system: a financial burden to the state. We all have a responsibility to help those less fortunate but those who abuse the system put extra financial pressure on the rest of us.
Financially speaking, my company saw the real advantage to this switch and some of the employees. Having a reduced income seems to be the result of these work changes with only the company truly benefiting. Something needs to be done in this country to offset rising costs and provide more affordable health care to those who are in need.










