You may be surprised to find that a large number of families fall into the medical bill debt is the so-called middle class. These families have the ability to pay insurance premiums and are likely to have insurance. But they are caught in a difficult situation: too rich to use government aid programs, but not enough money to settle their bills, and not necessarily into a debt dilemma.
Insufficient insurance in these countries, and in all respects, this country has been ignored. Ten years ago, statistics showed that as many as 70% of under-insured people were pushed to the brink of bankruptcy due to medical bill debt. Today's numbers are not much better, because broken health systems still exist. These numbers may even surge when the 2008 financial crisis and the ensuing recession in the US have made it difficult for millions of families to extend their monthly household budgets.
No one in the United States is allowed to get sick today. And the insurance is insufficient.
What is certain is that reform is not easy because it affects the supply chain and the service chain. From the loopholes in the health law, the insurance companies that use these gaps to reduce claims, the laws that bear the doctors who don't pay for services and the law of high degree of misconduct, and the employers who are ultimately forced to transfer payments to employees are in order to cut costs. [We don't even point out those employers who use the economic crisis to avoid paying insurance premiums.]
Creating a perfect storm is a lack of extra money because the family adjusts savings to pay for mortgages, utility bills, education and daily expenses. Without their own savings, it goes without saying that they are unable to pay co-payments or co-insurance requirements and deductibles, or if their insurance policies do not include the medical procedures they are seeking.
Often, when you don't have more savings, this is not a catastrophic illness that leads to medical billing debt. This is a small matter. Your postponed consultation was due to the inability to pay for your doctor, the delay in your lack of money, and the drugs you failed to purchase. Over time, these variables will increase, either your situation worsens or your savings are exhausted.
Orignal From: Insufficient insurance: neglected sectors in medical bill debt
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