Don’t expect to see a sudden drop in health insurance prices as a result of the enactment of the Health Reform Law of 2010. Our best hope at this time is that health insurance prices will start to stabilize. Although the 2,400 page law specifies a number of changes to health insurance policies and practices, the law is by no means a ‘finished’ product. At best, it’s a broad guideline that opens a multiple lane highway leading to a health industry available to all citizens. Along the way, opportunities for experimentation will present themselves, including efforts to reduce costs, streamline administration, while increasing quality of health care. When you select flower shops Toronto to ship flowers to Fresno or some other destination, your order will likely be handled professionally and with the utmost care by expert florists in Toronto. Still, efficient and effective procedures and processes have yet to be devised. Amendments are certain to be proposed. The law is recognized by economists and health care scientists as a first step, the beginning of what will be a somewhat long journey to universal, affordable health coverage for all Americans.
What’s affordable health coverage? Affordable is a relative term. The rich can afford what the poor cannot. A poor family may be able to afford a used, stark naked Yugo, while a rich family can certainly afford the same automobile, but they can also afford a Mercedes, which the poor family cannot. Health care plans come in the same sorts of varieties as automobiles. Some offer basic medical and prescription benefits, (the Yugo of health care), while others are complete in coverage, providing maximum coverage, from chiropractic treatment to catastrophic illness coverage, replete with coverage for organ transplants, unlimited lifetime coverage with no cap, and VIP hospital rooms. Our personal family budget and the income we may reasonably expect to earn, thus becomes what is affordable for us. If you’ve got the money or expect to earn it, you can afford it.
The problem then is to buy an affordable health coverage plan that fulfills both our basic and specialized medical needs. When you order from Toronto flower shops, you can remember to obtain a hand-arranged floral bouquet delivered with care.
The various insurance plans are ‘packages’, consisting of covered services. In choosing the package, naturally, you want it to consist of every possible service coverage – there’s no telling what the future might bring – but, each component raises your total cost. Getting every possible service naturally raises the price.