Golden Retriever Puppy: Breed a Rescue Dog
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Filipino Health Care Crisis?
Filipino health care crisis in the USA? If you're one of the 700,000 Filipino families living without medical benefits, the answer is YES.
Results of an on-line study conducted by the Nat'l Health Benefits Survey Group indicate a staggering 41 have no dental care benefits.
The impact is widespread financially as uninsured Pinoy s average paying from 50 more for health care services than insured Filipino Americans.
Of 9667 Filipinos participating in the poll, 51 say the single biggest reason for skipping doctor appointments was the high cost of medical care.
While 19.27% surveyed said they do have health insurance, limits with their plan make it difficult to pay an expensive monthly premium and meet the out of pocket requirement when they see a doctor.
In an age when nearly 47 million Americans are uninsured, and health insurance premiums are $500 to $1000 per month, it's no wonder such a large percentage of people cite high cost as the greatest problem they face with their medical care.
"These are not uncommon numbers," according to Mack Marconi, an independent health benefits advisor and author of the guide book titled, "Instant Relief from the High Price of Health Care".
You may be surprised to learn the leading cause of bankruptcy filings is not over spending or living the good life, it's unpaid medical bills.
With some 80 million Americans either uninsured or under insured, all it takes is one medical emergency to wipe out everything you've worked a lifetime to achieve.
"But," Marconi says, "it doesn't have to be that way. If you're patient and do your homework, you really can get the benefits you need at an affordable price."
So where do you start?
First step is to educate yourself. The internet is full of free resources and is a perfect place to compile readily available information.
Websites of particular interest:
www.FilipinoHealthPlan.com www.treas.gov/offices/public-affairs/hsa/about.shtml
Second, weigh your options. Establish a 'true cost / use factor' to help you determine whether it's the 'ABC benefits plan' or the 'XYZ plan' that meets your individual needs.
Third, if you need a little help, call in an independent expert. Insurance agents sell insurance and have commission on the line.
Your friendly local agent is knowledgeable, but when her paycheck is in the equation, odds are you're not going to receive non-biased advice. So stick with an independent advisor.
And last, don't risk it. Protect the ones you love. Do your homework and get a health benefits plan. The hospitals and bankruptcy courts are full of ill-prepared people who were positive bad things always happen to everyone else, but not them.
For peace of mind, we don't have a Filipino health care crisis in America. What we do have is an 'access to healthcare' crisis.
Many feel we need national reform. But until that day comes, it's up to us, you and me both, to make wise decisions about our health and how we care of our families.
Don't choose to be another statistic.
Mack Marconi is a veteran health benefits advisor, business consultant and licensed IBO helping families save money on health care.
He's appeared on The Filipino Channel, written several eBooks, and published two FREE step by step guides to saving thousands of dollars a year on health care.
To get a FREE copy of the recently published Filipino Health Plan report and see how much money you will save, go to http://www.FilipinoHealthPlan.com
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