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What Is Health Insurance Deductible

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Austin enjoys the self-promoted but well-deserved reputation as live music capital of the world. In recent years, the city has decided to put its money where its mouth is to ensure that it stays that way. One of the most innovative and socially progressive ways it is doing that is by providing an insurance program for working musicians through HAAM, or Health Alliance for Austin Musicians.



It's a unique concept. Besides New Orleans, Austin is the only city in the US to provide such comprehensive health care to its local musicians.

"This city loves those who make music for us all," according to Betty Drunkenly, Austin Mayor Pro Tem and HAAM board member. "What better way than Health Alliance for Austin Musicians is there to show our appreciation? HAAM makes members' lives better."

HAAM was created in 2005 as a result of a partnership between local hospitals and the SIMS foundation with support from the city and various Austin businesses. They recognized the tremendous need that existed in the community of musicians in the city for affordable health care. For more detail go to: www.divorce-rebuild-your-life-.com. More than 8,000 working musicians live in Austin and most of them are uninsured. Rather than wait for the federal or state government to come up with a plan to help the millions of Americans who do not have health insurance, this community of musicians and their supporters decided to provide that help themselves.

Funding for the organization is provided by business and private donations and various grants. The HAAM benefit day every October mobilizes musicians, local businesses and city officials to raise money for the organization. In 2006 they raised more than $107,000 and more than $180,000 in 2007. Other events throughout the year, such as Austin music backer Nancy Colin's BIG SIX-O birthday party recently, donate their proceeds to HAAM as well. Of course, interested supporters may also donate money at any time through the HAAM.

Ham's 2007 annual report reveals nearly 4,900 medical, dental and mental health visits which earned a 94 percent approval rating from member-musicians. This success results from a one-of-a-kind collaboration among the Seton Family of Hospitals (clinic visits, prescriptions, hospital services and specialist referrals), St. David's Community Health Foundation Leadership (dental visits) and The SIMS Foundation (counseling, psychiatric and addiction-recovery sessions).

Membership in 2007 grew to 929 of which 65 percent were age 40 and younger, with 67 percent earning less than $15,000 a year. To receive the benefits from the program, members must live in Travis County and be able to prove that they earn money playing music. For many services, members must pay small co-pay; for more detail go to: www.be-a-stargazer.com. Some other services are provided for free.

The SIMS foundation was named after Austin musician Sims Ellison who lost a long battle with depression and committed suicide in 1995. His death shocked the Austin community and a group of family and friends decided to create the SIMS foundation to provide low-cost counseling, psychiatric and addiction recovery service to musicians who needed it. The foundation provided more than 2,300 such sessions in 2007.
What Is Health Insurance Deductible
Many families think that they are in the clear when it comes to their finances and when the subject of insurance pops up, they laugh at it, claiming that they have more than enough financial resources they can rely on in times of trouble. The fact is, the majority of these families have sorely underestimated the cost of medical health care. They think that health insurance is not something that they need, so they continue to deprive themselves of being health insurance educated, which is what they needed most in the first place to change their perspective. First, let's take a look at the different types of health insurance.

Health insurance is meant to manage the risk of different types of accidents or illness that may happen in a person's life time. For instance, there are minor accidents, which are covered by Personal Accident Plans. Then there are minor illnesses that require probably a couple of days staying in hospital but there's nothing serious. A Supplemental hospital reimbursement plan can help cover that. And finally, there's cancer.

Cancer is the worst thing that can happen to anyone. Aside from the intense amount of suffering that the patient has to go through, sometimes the treatment itself can amount to large amounts of money, which may cause greatly burden the family financially. And sometimes, the treatment can drag on for months and months, bringing the fees to exorbitant amounts. Such cases are rare but the fact is, cancer can happen to anyone. But everybody keeps saying, "No, it won't happen to me. It may happen to someone else, but it won't happen to me." But once they are diagnosed with cancer, and find themselves without the proper medical coverage, they would most certainly find themselves in a very uncomfortable position.

The family may be financially strained as a result of illness. And if the cancer patient is the sole bread winner for the family, the situation is really dire indeed. Then we hear the very same people saying something else altogether: "How I wish I have bought that health insurance policy. How I wished I'd looked into health insurance sooner." But it's too late by then.

So don't wait until it's too late before looking into health insurance. Remember, health insurance, like all other forms of insurances, is about risk management. You have to manage that risk, no matter how small it is because you can never deny the fact that it exists. If you feel a strong resistance towards having to pay for an additional expense, perhaps it'll be reassuring to you to let you know that there are very affordable health policies that cost just a few dollars a month. You may start off with the smallest policy, wait a few months, and if you feel more comfortable, take on a bigger policy later on.

The important thing is, never leave your back uncovered and your finances exposed. Remember to cover yourself with health insurance, no matter how small the policy may be.
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About Author
Both Leop Hall & Gen Wright 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.

Leop Hall has sinced written about articles on various topics from Kitchen Home Improvement, Email Advertising and Cooking Tips.
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