Health Care Reform’s Effect on Medical Negligence Cases

There is so much information out these days on the health care reform issue that it is difficult to distinguish what is truth from what is exaggeration, politically motivated or just plain fiction. Every news station, all the editorial pages of newspapers and current events magazines are full of information about this issue. In this issue, there are definitely more than two sides of the coin.Each group has legitimate reasons why the expenses have gone up. Doctors claim their insurance has gone through the roof and that they must spend so much on their own insurance which they pass on to their patients. They also are practicing more and more “defensive” medicine, ordering tests and procedures that are geared mainly toward protecting themselves from lawsuits. This is a definite cause for the increased costs of health care.Medical Malpractice vs. Medical Negligence
There are definitely differences in medical negligence and medical malpractice. However, these two have come to mean the same thing because the outcomes of both are the same. Medical malpractice is a situation wherein a doctor does damage to a patient by a mistake. Actually performing the wrong treatment or performing the right treatment badly results in medical malpractice claims. Medical negligence, strictly defined, is more of a lack of action than a blatant one. It happens when a doctor does not perform a certain procedure or when he misses a symptom and does not treat correctly.Whichever action is taken or not taken, many have said that this is the reason insurance rates have gone up. So many people are suing doctors, they are forced to carry huge insurance policies and do much more work than necessary for future protection against claims of medical malpractice or medical negligence.Malpractice Caps and their effect on Health Care Premiums
There is, however, quite a bit of evidence that these factors have not contributed to the rise in health care rates. It is becoming known, after many organizations are looking at the bottom line numbers of many insurance companies, that premiums are rising because of economic factors unrelated to medicine.These factors are lowered interest rates and returns on investments. Insurance companies make a large portion of their profits in the stock market and by managing the large sums of money they receive in premiums. When the marketplace does not produce as high a return as it used to, the insurers begin to raise premiums to cover the shortfall. This is their business, it ebbs and flows just like all others.Change Coming?
So , will Health Care Reform affect medical negligence cases? It is difficult to tell because there are so many different opinions in the marketplace. But, further research suggests the relationship between these two things is not a cause and effect situation.

Medical Insurance For the Aged – Seniors Need the Right Health Care

Because of the high costs of medical care, medicine and hospitalization, the need for a health insurance plan has increased. Of all the population in every state the seniors are the most affected ones. They lack any kind of medical care and they are exposed to different kinds of health problems.The good of health plan is that it keeps the family financially stable even in terms of unforeseen events. This provides cover for any kind ill health. You get full coverage with benefits from your insurer even when you are hospitalized.Some old aged people get health coverage from some insurance cover in barter for the expense of a fee annually. If the seniors want to be taken as such by insurance providers, it is ideal for them to be 65 of age. Although, this does not apply to all insurers because some accept people older than 65 years of age.Ones health condition should be the major reason for an approval by health care and not his or her age. And in these circumstances, health conditions should be the judge for the qualification of a health plan or not. Take for example an individual with a heart situation and a bad health, he or she is likely to be denied coverage. But know that the price range is determined by the age range.Insurers who deal on this kind of plan are very few. This is why you need to know the kind of coverage you need. Get different quotes from different providers, compare and select the one with the right coverage you desire.Where to Get the Ideal Senior Health Plan Quotes From Trusted Provider?

With Health Care Reform, Will Doctors Start to Turn Patients Away?

The original concept was that the nationalized health care plan being proposed by President Obama would lower the amount of visits made to hospital emergency rooms each day given that those who seek emergency room care for routine health care issues would now have the medical insurance coverage that they require to schedule regular doctor visits.  Taking a look at the bigger picture however, uncovers a scary concept and the new health care plan might actually cause an increase in the amount of non-emergency, emergency room visits each day.
 
A closer look at the current health care structure actually shows that those individuals without medical insurance, throughout the United States, in fact take advantage of the emergency room less frequently than those patients who are presently on Medicare and Medicaid, and the leading basis is that Medicare and Medicaid pay very little to providers for the care that the dispense to these patients and as a result doctor’s are more apt to turn them away at the office.  This leaves them with no alternative but to head to the ER in search of standard care. 
 
Under the proposed plan a lot of of individuals who are living devoid of insurance would be covered under Medicaid or some subdivision of this branch of the health care system and because of this they would also be discriminated against when trying to visit a health care professional in his/her office.  This will inevitably increase the number of individuals being attended to in the nation’s emergency rooms. 
 
A closer look at the proposal provides more reason for concern as it gives no approach to raise the number of providers, while it vastly promises to increase the number of patients in the system.  This will lead to doctor’s offices being too booked and turning away patients that require care and these individuals will need to also turn to the Hospital doctors as their chief treatment physicians.
 
Overall, although the health care reform does cause a few to hope, there are definitely a few shortcomings in the plan.  As medical doctors become over booked they will most likely become selective attempting to serve those patients with the top insurance plans first, and thus leaving the remainder left behind.  This gives rise to the question: Is there genuinely any hope for bettering the health care system in this country?