Guide to Insurance

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Health Insurance In America

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Pet health insurance companies are hoping that someday pet owners in the United States will catch up with European pet owners. A recent poll taken of American pet owners suggested that approximately three percent of American pet owners had purchased pet health insurance for their family pet. A veterinarian who was interviewed after the survey was stunned by the results. She felt that the survey was generous. She believes that less then one percent of her patients have any health care insurance.



In Europe approximately twenty-five percent of all pet owners have some sort of pet health insurance on their pets. The numbers are even higher in Sweden where approximately fifty percent of all pet owners rely on pet health insurance to help pay their pet's medical expenses.

Some experts believe that the reason so many pet owners in the United Kingdom have pet health care insurance is because of an act passed in 1971. In the United Kingdom dog owners are liable for any accident that their pet is found responsible for. This means that if a dog darts out into traffic and causes a seven car pile up the dog's owner is responsible for paying all the damages. Unwilling to dip into their own pickets to cover their pet's misadventures pet owners in the United Kingdom purchase something called third party insurance. Third party insurance is a simply a liability insurance specifically geared to pet owners.

Many American pet owners don't realize that there are similar pet liability insurance plans available in the United States. Pet owners who would like to purchase pet liability insurance to cover any damages their pets might be responsible rather should be aware that certain breeds of dogs are listed as high risk insurance cases and the owners will be required to pay extra high insurance policies.

It is unclear why more pet owners in the United States don't purchase pet health insurance. One possibility is that pet owners simply don't understand exactly how expensive pet health care is. Fifteen minutes spent in a veterinarian's office can sometimes cost as much as a hundred dollars. When a pet owner finds themselves facing the cost of an emergency surgery or has to take their family pet to a university hospital to have an illness treated they quickly find themselves whishing they had something to help cover the enormous vet bill. All too often pet owners who find themselves in an emergency situation are forced to euthanize their beloved pet for economic reasons.

Pet owners who are city dwellers probably feel that they don't need to worry about something like pet health insurance because they can't possibly for see when they would need it. Their pets live inside, what could possibly happen to them. What these pet owners don't realize is that illness can sometimes affect house pets the hardest because their immune systems haven't had a chance to build up any resistance.

Farmers and ranchers have a very clear cut idea of how fast and accident and how expensive vet care is. Most of them would like to insure the health of their pets but there simply isn't enough extra money to afford the monthly premiums. Ranchers and farmers also tend to have a working knowledge of illnesses and injuries that lets them treat their pets on their own.
Health Insurance In America
The political will has not gained momentum on this issue due to AMA propaganda that continues to cast doubt in the public mind concerning the success of such a plan. The first misgiving usually offered is that our country cannot afford to pay for comprehensive care for everyone.

Every other industrialized nation provides comprehensive care to all at a much lower cost than our system which leaves so many people out. Other nations spend 6-10 percent of their Gross Domestic Product, or GDP, whereas we, the wealthiest nation on earth, spend 14 % of our GDP.

Our country already has enough funds dedicated to health care to provide the highest quality of care for everyone. Studies conducted by the Congressional Budget Office, the General Accounting Office, the Lewin Group and Boston University School of Public Health have shown that under a single payer system, comprehensive care can be provided for everyone without spending any more funds than are now being spent.

There has been considerable publicity about the delays in receiving elective services that are characteristic of other nations, especially the United Kingdom and Canada. At 6% and 9% of their GDP, respectively, they are spending much less than we are as a nation.

Not only do we have more than sufficient funds, we are also a nation that is infamous for our excess health care capacity. Typical of these excesses is the fact that there are more MRI scanners in Orange County, CA than in all of Canada.

With our generous funding and the tremendous capacity of our health care delivery system, the delays would not be a significant limiting factor in the U.S.

"Americans do not want socialized medicine," is a phrase that is frequently used glibly to dismiss the single payer concept. Socialized medicine is a system in which the government owns the facilities, and the providers of care are government employees.

In sharp contrast, a single payer system uses the existing private and public sector health care delivery systems, preserving private ownership and employment. The unique feature of a single payer system is that all health care risks are placed in a universal risk pool, covering everyone. The pool is funded in a fair and equitable manner so that everyone pays their fair share in taxes, unlike our current defective system in which some pay far too much while others are not paying their share. The funds are allocated through a publically administered program resulting in optimum use of our health care dollars.

A single payer system has no more in common with socialized medicine than our current Medicare program.

Many contend that government bureaucracies are very wasteful compared with the efficiencies of the private market place. In the health care arena, this has not been true. Our Medicare program, a publicly administered program, operates on an administrative cost of less than 2%. The managed care intermediaries consume 9 to 30% of the health care dollar.

This difference is due to large corporate administrations, costs involved with competition between companies and marketing expenses that would be nonexistent in a public program. A single payer system has as its mission the optimization of resources for better patient care. Funds are not wasted on corporate administrative excesses.

Another argument is that a single payer system, by being universal, would lower the standard of care to a level of mediocrity for everyone, preventing the affluent from exercising her/his option to obtain the highest level of care.

However, our current system is characterized by essentially two alternatives: either no insurance with severely impaired access to even a mediocre level of care, or being insured by a managed care industry that has whittled down what is available until mediocrity has become the standard of care. Only the relatively affluent have access to unlimited care.

The generous level of funds that we have already dedicated to health care, adding to this a more efficient administration with an exclusive mission of optimum patient care well above the mediocrity that we now have, lays the foundation for a universal health care system in America.

A single payer system does not preclude the affluent from paying, outside the system, for a penthouse suite in the hospital, or for cosmetic surgery or for any other service that should not be part of a publicly funded program.

Other than the assurance that everyone would have coverage for health, there is even a greater good that a single payer system would bring to our nation: Making preventative and public health services available to everyone would improve the level of health of this country. Reduction of communicable diseases and reducing the higher costs of untreated chronic diseases helps us all.

Healthy people, for instance, make for a healthier work force with less lost work time, greater productivity and a more positive healthy environment.

Socialism is a dirty word in this country. Universal health care for all has been equated with socialism, and much propaganda has been communicated by the press, by right wing politicians, by medical groups such as the AMA or anyone else who has an agenda to keep the 1500 plus health insurance companies a thriving market with profits that undoubtedly help to pay for their agendas.

But if Americans knew the truth, and would turn off their TVs and use that time instead to change this country, using the power of grassroots politics, to make a single payer universal system a reality for all, then we would finally have the best health care system in the world. The Green Party in this country has as one of its missions to bring a universal system of health care to all Americans.

Any group with the passion to change the world, one issue at a time, with a loving intent, can do it.
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About Author
Both Joan Shine & Kate Loving Shenk are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.

Joan Shine has sinced written about articles on various topics from Cure Anxiety, Disease & illness and Disease & illness. To read about and
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