Friday, November 20, 2009

How about an Alternative Health Insurance Plan?

There has been much debate on the current health insurance crisis. People are trying to figure out how to come up with a health insurance that will cover everyone despite the enormous costs of healthcare. It seems the rising cost of healthcare is the number one issue with our nation. More and more patients are being admitted everyday and the health insurance companies are struggling to compensate the overwhelming number of hospital admissions, prescriptions costs and treatments. The problem lies in the nature of healthcare in our nation. Not in the health insurance companies or the healthcare system. Since our healthcare system has no preventive measures diseases have reached to epidemic conditions. Very little measures have been taken to fix the crux of the problem which is what people are putting in their bodies that are starting the diseases in the first place. Although poor nutrition might not cause immediate disease its long term effects are catastrophic. It can result in improper functioning of the body due to lack of nutrients and too much acidity in the body due to toxic foods and environment. Therefore, the health insurance plans should be focused on compensating for alternative treatments that prevent diseases in the first place and take a more natural approach. This is not a new concept. There is already such a health insurance plan called the Health Saving Account.

On December 8, 2003, President Bush signed a bill that would allow citizens to put away the left over spending from their high deductible health plan into a separate account called health savings account. Basically patients get to use the remaining amount that has not been spent on their health insurance for alternative and preventive health measures. The savings could be used for benefits such as dental, vision and chiropractic care; durable medical equipment such as eyeglasses and hearing aids; and transportation expenses related to medical care. Non-prescription and over-the-counter medications are also eligible

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