VISTA Health Solutions

Is it really that odd that affordable health insurance and all athletics, whether amateur sports or professional sports just do not go together?  The health insurance providers are placed into a quandary of sorts because statistics are apparent that sports injuries are going to be very costly. Obviously, this is one of the main reasons why sports participants are generally placed in the high-risk pools.

When an amateur sports participants or a professional sports participant reads the listing of what all health insurance providers put into print, is it really that unusual to see that most sports activities are on the list? Serious injuries for any individual can be very expensive when you consider the down time that is involved, the actual surgery, and the time that is required to co-valence.

The expenses will add up very quickly and although the health insurance provider is there to help you when you are suffering severe medical difficulties, they are also a business. How long will the health insurance industry remain in the business of trying to help all individuals if they are constantly paying out more than they are taking in?

Amateur sports participants and professional sports participants are no different from any other individual, save for the fact that they deliberately risk their health every time they step out into the sports arena of their choice.  It is just a matter of to what degree the injuries will be. Some of the know sports are:

1.                                                            Football, hockey, and soccer

2.                                                            Tennis, Rugby, and roller blade

3.                                                            Baseball, skiing, and mountain climbing

4.                                                            Bobsledding, and Lacrosse

In the professional opinion of both the health insurance provider and the health care provider, they place motorsports in all forms at the top of the health insurance list. Whether it is a stock car sports event or a motorcycle, event the sustainable injuries come fast and furious and the sports participants are already aware that the high-risk pool is their only option short of paying out of pocket.

Concussions, bone fractures, and broken bones are a few of the more severe injuries that are very common throughout most sports activities. Part of the acknowledgment of the difficulty as acknowledged by the health insurance industry is that these types of injuries will occur over and over with the same sports participant. Statistically, there are more than two million amateur sports participants and professional sports participants who sustain these injuries every year.

There is so much verbiage discussing the pros and cons of the underinsured and the uninsured, but there is still a difference between the two types of individuals. The most prominent difference is those who are underinsured have health insurance coverage while those who are uninsured do not.  To define what underinsured means in every day terms among the health care industry, there are three main issues.

1.    Medical payments total over ten percent of an individuals income

2.    The individuals annual income remains below the standard poverty level

3.    The health insurance deductible amounts to more money than the individual can pay at any one time

There is a reason why so many within the population are underinsured or uninsured and much of this has to do with the perpetual rising health care costs. More individuals are requesting medical help in one form or another crowding the medical physician’s office and spending long hours waiting in a hospital emergency room.

Many individuals who find the emergency room is the only alternative for health care are not there only because they have no means of adequate health insurance coverage. There are times, rare; as they may be that, a medical physician will refer the potential patient to the hospital emergency room simply because the medical physician lacks the proper equipment to help the individual.

It really is a shame that more than one third of the total population lacks adequate health insurance, which reduces the quality of health care they will receive when they finally are granted medical assistance. Part of the difficulty is the more individuals who lose their employment find they are in a bit of a bind.

If they are fortunate they will continue to have health insurance for another thirty days, but after the thirty day’s they will have nothing. Searching around these individuals will try to find the most affordable health insurance possible that will fit into their new monthly budget, but that does not occur often.

The new low cost health insurance they were able to purchase is nothing in comparison to what they had, but it is better than not having anything.  There are some individuals who will opt for a low cost health insurance policy that is temporary instead.

However, with the climbing health care costs these same individuals have now joined the ranks of the underinsured. They will have to pay more out of pocket than they had in the past and the new health insurance policy comes with a much higher deductible so the chances of making an appointment with the medical health care provider are pretty slim.