Is National Reform the Cure for Illinois Medical Insurance Woos?

How will the national health reform affect those with or without Illinois medical insurance? Although the complete details for the proposed national health reform bill have not been disclosed to the American public, industry insiders share their perspective about the proposed health plan.

President and licensed Illinois medical insurance agent, Mike Novelli concurs that necessity for reform, “I can attest to the rejection. It’s inequitable that tax paying citizens are prevented from obtaining an Illinois medical insurance policy based on a pre-existing medical condition.”

Other health insurance analysts point the finger at the high number of uninsured, who they believe are making a conscious choice to forfeit health insurance. The conundrum occurs when the uninsured are ill stricken and hospitalized, — inevitably unable to pay the cost of their medical bills.

To balance the financial burden of those individuals, who do not carry an Illinois medical insurance policy, hospitalization charges continue to inflate. In an effort to maintain a profit, the domino effect causes insurance agencies to increase premiums and coinsurance caps. The outcome is that the insured endure the financial duress of the uninsured.

Other experts, familiar with the situation, theorize that carrying health coverage should be a national requirement like auto insurance; whereby, the government prohibits insurance providers from rejecting individuals diagnosed with a chronic pre-existing medical condition.

In the state of Illinois, statistical data depicts that approximately 3-million residents do not have health insurance. Conversely, a percentage of Illinoisans are against the reform because they predict that the national reform plan will cripple medical science, causing a deficit of qualified physicians.

Mr. Novelli identifies the reform as a positive chance to educate Americans purchasing a health plan. “I’ve helped many consumers, who are flummoxed by the entire process for acquiring a viable Illinois medical insurance policy,” states Mr. Novelli.

Mr. Novelli also preaches that the most consumer savvy approach for selecting a viable Illinois medical insurance entails obtaining several medical quotes, comparing policies for affordability and adequate coverage to accommodate personal health care necessities. Meanwhile, residents in need of an Illinois medical insurance plan can only hope the national reform will include similar guidelines.

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Not Carrying Illinois Medical Insurance Poses Mortality Threat

Not having Illinois medical insurance can be a life and death situation. While the health insurance reform bill dangles, more data supports the potential for a higher death toll among the uninsured. From developing cancer, heart disease to suffering from a traumatic injury, evidence portends that being without Illinois medical insurance is merely a fatal proposition.

A recent publication, regarding the study of 1231 patients recovering from head or neck cancers from 1998 through 2007 at the Pittsburgh Medical Center, compared the survival rate of patients who were insured to the uninsured. Fifty percent of the 128 patients, who were on Medicaid or were without health insurance perished. In comparison, fewer than 23 percent of the patients with medical coverage passed away.

Similar mortality rate discrepancies were notable among traumatic injury sufferers. At Children’s Hospital Boston and Harvard Medical School, researchers assessed statistics from the National Trauma Data Bank, where a database of some 2.7 million patient admissions to trauma centers is the United States. Investigating patient admissions from 2002 and 2006, researchers evaluated more than 680,000 adult medical records. The study correlated a significant link between the mortality rates of the uninsured patient versus the insured. Researchers tried to rework the data to eliminate any findings associated with age, race and gender; nonetheless, the statistics showed the same high mortality rate amongst individuals without insurance. Even more perplexing, Medicare members had a survival rate comparable to the insured patients.

Researchers compared the mortality rate of 29,829 patients admitted at the Department of Surgery, Division of Trauma and Critical Care, Cedars-Sinai Medical Center from 1998 to 2005. Uninsured patients accounted for 68 percent of the patients. Again, the data among the non-insured younger, less severely injured had a higher death rate than the insured counterparts.

Although hospitals extend treatment, it remains unclear whether the higher death rate is attributable to the uninsured obtaining minimal medical care during hospitalization. While there have not been any studies about comparing the death toll of the uninsured to individuals with Illinois medical insurance, the Centers for Disease Control maintains data showing that the rate of Illinoisans not having Illinois medical insurance has been on the upswing for the last decade. The statistics of residents without Illinois medical insurance has been on a steady rise for the past decade.

Meanwhile, cardiovascular disease continues be the first cause of death in the United States. The American Heart Association noticed a 33 percent spike in cardiovascular inpatient operations from 1996 to 2006. With close to 15 percent of the Illinois population not having Illinois medical insurance coupled with a high mortality rate of the uninsured, and the emerging number of cardiovascular disease diagnoses, a lack of health coverage forecasts a detrimental outcome.

Illinois medical insurance agent, Michael Novelli says “Although cancer and heart disease are not preventable, people who have health insurance are more apt to catch and treat these conditions sooner than the uninsured. Many managed care Illinois medical insurance plans are affordable enough to prevent further medical casualties.

IllinoisLifeandHealth.com offers complementary Illinois medical insurance quotes, advice and a wealth of information regarding Illinois medical insurance. Bookmark the site for the latest news, resources and no obligation quotes, online.