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Credit Card Debt and Medical Bills – Killing the Pocketbook to Cure the Disease

For all too many households located within the United States, the men and women charged with providing for their families’ welfare have had to weigh the financial benefits of full medical coverage against the alarming (and rising by as much as ten percent per annum) premium costs for single family plans. Group health insurance programs, of the sort granted virtually every American worker just one generation ago, are just so dramatically cheaper for both the insurance carrier and policy holder that even middle class families without keening credit card debt balances or salary complaints may well be forced to make some tough choices to keep their budget in line.

Easy enough to say that medical coverage should be every family’s number one priority. Indeed, just so the authors of this piece and editors of this website are crystal clear regarding the larger point, heads of household should drop cable or trade in a vehicle or even take a second job to ensure that their loved ones are protected under some sort of health care plan, whatever the cost. At the same time, absent the indemnity risk pool utilized by group health insurance providers to cut costs, concerned parents might realistically need to ponder the advisability of footing the potential bills for medical treatment through savings rather than ponying up additional funds each month for such niche insurance services as vision or dental.

If domestic purse strings have already been tightened to the limit and earnings for every member of the family have been completely actualized, something’s gotta give along the road to proper, affordable health coverage. Every day across the United States, parents must grit their teeth and choose between ensuring that their kids will receive the best possible medical care or the finest educational opportunities. Most proud mothers and fathers, dancing as fast as they can to afford a better life for their children (even as the price tag for basic mandatory health care expands to equal the mortgage payments for three bedroom residences,) never wish to cut corners when it comes to their child. At the same time, practical financial concerns for Americans without group health insurance coverage might well come down to choosing between piano lessons or dental care.

Family dental plans unconnected with any employer or multi person enterprise, to exploit the most commonplace injustice suffered by the swollen ranks of uninsured workers, tend to feature middling physicians with offices nudging the hinterlands and a solitary phone representative. Many consumers that have only recently become self employed after a lengthy stretch of time under the auspices of a company sufficiently responsible as to provide a comprehensive slate of group health insurance will typically be amazed at not just the high cost of an independent dental plan but how little shall actually be subsidized.

Formerly an expected benefit of loyal duty toward the job – one that our parents likely never gave a moment’s consideration – group health insurance coverage threatens to become a niche aid blessed only by the most wealthy or traditional of employers. Still, despite the best efforts of the new administration, our country remains bitterly divided over the topic of government sponsored health care. It’s a schism, not so coincidentally mirroring the night and day differences in cost and coverage separating the members of group health insurance policies from the households driven to pick and choose areas of concern in accordance with the escalating expenses and dwindling variety of family plan providers.


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