Tuesday, October 13, 2009

Should the Uninsured Defer Coverage for the Obama Health Plan?

By Mike Novelli

The Obama health plan has millions of uninsured Americans waiting for reform, but putting off health for a new law to take effect is comparable to playing Russian roulette with one's health. Despite the prevalence of life threatening illnesses, such as cancer, diabetes, and heart disease, these diseases are the tops contributing factors to the mortality rate. Medical statistics show that over 50 percent of the population will be diagnosed with one of these illnesses at some point in their life. Given today's advances in medicine, treating these ailments before they worsen or become fatal is the difference between life and death.

As in the case of Bea Levinson (59), she had gone without health insurance for five years. By the time she was diagnosed with lung cancer, it was in its final stage, rendering no hope for treatment. Ms. Levinson's case reflects the risk of waiting for a finalized Obama Health Plan to pass. Out of the leading causes of death, the National Institute of Health says that finding these complications early could extend life with the proper medical care, long before the complication evolves into the critical stages.

Those, who are afflicted with a chronic illness, may end up covering their own medical expenditures. Being uninsured, many Americans tend to forgo health insurance coverage and ultimately treatment. Inevitably, deferring Michigan health insurance until the final details of the Obama health plan is refined is like imposing self-inflicted euthanasia.

Nevertheless, waiting for the final draft of the Obama Health Plan is tantamount to giving one a death sentence. The misconception that Michigan health insurance is an optional requirement is the reason many fall prey to financial devastation. Regardless of one's current situation (unemployed, college student or a preexisting medical condition), a wealth of affordable Michigan health insurance policies can be can be customized to meet a consumer's unique financial and medical situation. Use the following strategies for shopping for an economical Michigan Health Insurance plan:

- Shop for a Michigan health insurance plan customized to your specific employment, health and financial situation. Assess each medical plan, reviewing the specific details of the coverage.

- Evaluate various health insurance plans. Be sure to itemize specific details of the coverage. Avoid becoming the next medical statistic; don't defer your health based on Obama's new health plan reform.

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