Our Uninsured And Under Insured Population

Submitted By Antonio-Rioz
Words: 1994
Pages: 8

Our Uninsured and Under-insured population

In 2010 an estimated 49 million Americans were uninsured. No medical coverage of any sort either due to unemployment or unqualified for government aid. As of 2011, as estimated 48 million American’s were without insurance, a huge decrease but still we have a rise in population and not enough is being done to insure our health. The Obama health plan promised us insurance for those without and that nothing would change for those with insurance now, yet there is a rise in the cost for insured holders and still not everyone is insured. I propose that a difference which will make a difference be done. Show those insured that if there cost go up, that money is going elsewhere to help and not just to cover losses. Let health care be affordable and obtainable to everyone. Which starts by educating in the importance of health care and how to obtain health insurance.
Before insurance doctors and patients had a simple way of paying, giving, and receiving health care. “As early as the nineteenth century, some Americans insurance against sickness through an employer, fraternal order, guild, trade union, or commercial insurance company. Most plans, however, were simply designed to make up for lost income during sickness or injury by providing a fixed cash payment” (Benchmark). Doctors would provide the care that was need for the person who was ill and without the need of a middle man, or the worry of payment. “Physicians collected their own bills, and set and usually adjusted their charges to their estimates of patients’ ability to pay. This was the intimate physician-patient relationship the profession held sacred” (Brenchmark). Then when the news of Europe countries having a programs with volunteers who helped aid the community with small injuries and sickness without an additional cost, especially for families that did not have a big income but a big family. Then with the coming of World War I the campaign for a health insurance in the United States to help aid against “illness and any other plan of compulsory insurance which provides for medical service to be rendered contributors of their dependents, provided, controlled, or regulated any state or the federal government” (Brenchmark). Then with the great depression came the birth of the first insurance, Blue Cross. “The depression of 1929 shook the financial security of both physicians and hospitals. Physician income and hospital receipts and admission rates dropped precipitously. As the situation grew worse, hospitals became experimenting with the insurance plans” (Brenchmark).
At the start of health insurance, public school teachers paid a rate of 50 cents a month for the guarantee of 21 days of hospital car. For 50 cents, a school teacher would know she had health care coverage, and now we have trouble even having enough school teachers for a school. “Physicians favored government intervention to alleviate the financial burden on physicians resulting from their obligation to provide free care to low-income populations” (Brenchmark). But as good as it all was at the beginning, they did not stay that way for long. With WWII the more the government and the voice of the public was being pushed away and the politics became involved. Still the politics and the money are not all that is a problem for insuring those who are uninsured or under-insured. We need to find ways to educate people about how important staying up to date about their health is and how they can obtain health insurance. “Of most importance when considering the magnitude of the problem is that the composition of that uninsured population is constantly changing. When those on Medicaid or other unemployed persons find jobs that provide group health insurance, those individuals leave the ranks of the uninsured. They are replaced, however, by those who become unemployed or lose Medicaid coverage. More and more employers, upset by the ever