VISTA Health Solutions

The count of the under insured health insurance recipients is virtuously staggering in numbers. On average, there are over sixty million adults who are underinsured at any given time and most are unaware that they are. These are hard working adults who, for various reasons change employment often and this leaves them on the short end of the health insurance market.
The ability to acquire sporadic low cost health insurance through the next employer does help some, but they are still left out of the loop because they are considered new comers to the company. Some employers will offer affordable health insurance upon hiring, while others will wait the customary three months or six months before offering the paperwork to be filled out.

When you are among the young and healthy health care may not present a problem, but for those individuals with families it is a nerve-racking nightmare. The risk of a pre-existing condition, a chronic condition, or any of the many life-long diseases could cause one grief during a waiting period of up to eighteen months before the health insurance begins in full force.

Most individuals find it very difficult to read through a new health insurance policy much like a life insurance policy, and of course your automobile insurance. The language is so technical that is becomes difficult to decipher what you are extended health care coverage for and what is eliminated.
Many times the individuals who are caught in the health care pool of the underinsured and those who take on low paying employment with no guarantees as the larger corporations offer. Those who either develop through time or are already afflicted with any one of the known chronic diseases will find they are shuffled into a high-risk pool through no fault of their own.

Are they assigned to a group low cost health insurance plan along with others, well yes? The difference is the health care coverage is so broad that through a hospital stay or a medical physician visit they find they must dig deep into their pockets to pay their portion of the deductible.

Sadly, in many cases the underinsured, like the uninsured will avoid seeing a medical health care physician at all costs. This also applies to their children as well, simply because the out of pocket expense is more than they can afford. They are not alone either because depending on the group health insurance policy stipulations even those with excellent health care benefits will refrain because of the fear of the out of pocket expense.

Praise those few individuals who are brave enough or desperate enough to undergo heart transplant surgery. Bless the health insurance provider in conjunction with the medical physician for saving another soul. Heart transplants are from most in the medical community to be very dangerous. There are many stringent health care guidelines that go with this type of surgery, but it is necessary. The most important factor is the overall health care status of the patient who is receiving the heart transplant.

As if many other transplants that occur you must stop and ask yourself what happened to the donor. What do you do when you would rather find another way other than a heart transplant or any other type of transplant? It is very understandable how life saving this is, but someone else must take your place in meeting his or her maker so you can have the opportunity to live.

Within the health insurance community and the health care community, they see all kinds of transplants as life saving and as gift giving, but has anyone ever asked the recipient if this is what they wanted? Many times the medical health care community is so wrapped up with performing another transplant surgery that they neglect to talk with the patient who is receiving the transplant.

1.    The age, health and significance of the heart transplant surgery

2.    Is the average amount of about eight hundred thousand dollars a significant expenditure and an affordable one for the health insurance provider

3.    How long is the long-term time frame or is this forever

4.    The totality of the health care effects on the individual and the impacted community

5.    The health care considerations the health insurance provider, the medical health care provider and the individual must conclude

There are many today that receive medical procedures in the form of transplants and this is in a sense divided up between the health insurance provider, the medical health care provider, and the individual who is to receive the transplant. However, it really is the age and overall health statistics of the individual that determines if he or she is even eligible for the heart transplant.

After the surgery, there are multitudes of medications the individual must be on to keep the transplanted heart from being rejected from the individual’s body. Is this the full life the individual wanted? Or was this a matter of another successful surgery performed through the medical health care physician.