Finding Solutions for Health Care Insurance

In trying to help find solutions for our current health care problems, I chose to interview an office manager who works for a local physician office. One of the first questions I asked was, if she could change anything about health insurance what it would be. Sherian replied, “Instead of making the premiums the same for everyone, it would be a smart idea to regulate the costs according to what a person or families needs are.” Another suggestion was to have physicians include a certain amount of patients whom they would take care of without charging any money for short periods of time. This would consist of people who don’t qualify for Medicaid but can’t afford to pay for their own insurance coverage.

Many people over the past several years have had to switch insurance companies every year because of high premiums. A few years ago Humana offered great rates to patients here in St. George. After serving the community for several years they decided that because of the high percentage of claims being paid out on cancer and cardiac patients, they could no longer serve the southern Utah area. Humana told the patients they would no longer be covered.  All of these people had to find other health insurance and a lot of them have been denied coverage because of their health problems, and have become uninsurable.

Sherian also suggested the need for more honesty among insurance companies. It would be a good idea for someone or a group to force insurance companies to abide by the laws. There are a lot of people who go without any insurance coverage because they cannot afford the high premiums. People should not be denied health care insurance because they are sick nor should they be denied because of high premiums that they cannot afford. Finding an appropriate plan, including all people, would be ideal for our Nations health care problems.