Health insurance at this time often fails to help Americans with their special medical needs. When doing so companies need to protect their patients instead they wait until death is upon them. The government frequently helps. The federal government needs to work on finding the fraud insurance companies so it will not put more peoples lives in danger than it already has. Because health insurance insurance companies make the decisions regarding what medical procedures an individual receives, this puts peoples lives in danger, due to the fact that companies will not pay physicians for their medical procedure, and the average American cannot afford medical procedures and or prescription drugs.
HMO organization gives restrictions on all and any medical procedures because of their own private policy. For instance, "HMO withdraws has highlighted the difficulties for Americans, because outpatient prescription drugs are not included in the HMO benefit packages." (Canja N/A) Insurance companies will end up paying more if availability for prescription drugs decrease. Companies want to make decisions on whether the patient can or cannot receive prescription drugs, the government needs to fight for the patients lives and if not the government then the physician. In addition, "people are finding that prescription drugs are .
.
getting expensive and are counting on HMO's which do not cover prescriptions and will result in withdraw from the HMO program." (Canja N/A) Medical insurance companies need to understand that their company will pay more money because the consumer will need more procedures done. The importance of preservation of the people's lives will decrease if government does not demand more laws and regulations on insurance companies. More importantly, HMO's reward doctors for doing less services and denying necessary care, usually consumers would punish managed care plans the restricted clinical freedoms and doctors would refuse to work.
