With all the introduction of the original Medicare scheme by Gough Whitlam in the early on seventies, it was the general hope that Quotes would be ushered into a new era of public health insurance for all, met by a levy on all taxes payers, this, it was hoped, would ensure that no-one in Australia would experience sub standard entry to necessary health care. With the defeat of the original Labor government, continuous liberal and labor government authorities have meddled with the original scheme, so that today we now find ourselves with a two tier scheme consisting of a minimal health care insurance plan for the uninsured general public, and a private medical health insurance scheme targeting that portion of the population that can pay for it, which by and large is run as a profit making enterprise by various companies. At the time definitely vigorous lobbying by companies in the industry established the tone of how the program would be run to ensure that it would operate to the good thing about the industry first and foremost, while paying lip service to the needs of the Foreign public. What commenced as a noble and just cause by Whitlam was soon dismantled and degraded by the self interest of the free business cowboys. allianz dubai
Today, our company is confronted with a two rate system of private health insurance cover which is supposed to guarantee that an individual has gain access to the best possible medical facilities and a long line of folks who are just as much requiring those facilities, but who simply do not have the financial electric power to access them, and are therefore, faced with long public health lines. Scaremongering continue to be drive more working Australians into the arms of private health insurers and any try to reign in the excesses of companies in the sector was abandoned in the past when the Government privatised its insurer, Medibank. The current situation is tantamount to a cynical fermage by private enterprise, to bleed several members of the Australian public as possible whilst offering as little as possible, in return.
The real reason for this is two-fold. Folks are encouraged to take out health insurance in an age when they become members of the workforce through and large in good health, a moment when they, have, statistically, very little need for the insurance the businesses provide. However, once these folks retire just at a time when their gain access to the health services will commence to increase, they may be no longer able to afford the premiums, and are, therefore, denied the insurance they have paid for so many years. This causes the interesting situation of someone and also require worked 30 plus years, during which time they made relatively little use of the scheme, then find themselves debarred from accessing it for their inability to manage the premiums in retirement living.
Of course, the companies will tell you that their mission in life is to guarantee the best possible health coverage for their members, nonetheless they normally shin within the fact that once you are no much longer able to pay your premiums, you are automatically no longer an associate either, and therefore, their matter for your health and wellbeing, evaporates. Undoubtedly, these companies who have overflowing themselves in this system are also influencing authorities to increasingly raise rates since it is in their own economical interest to do so, and as we now have seen in recent rises, they can do so beyond the increase in the CPI, which in itself shows a cynical exploitation with their members. Furthermore, even people fortunate enough to be able to afford the highest premiums, and would therefore expect to be fully covered, will find that a percentage of the costs associated with any medical treatment will still be sheeted home to themselves, as the companies seldom, if at all, cover one 100 percent of all medical expenses incurred.
One needs to ask problem, when increases in health care insurance payments are announced, about what level companies in the industry influence the determination of these premiums? Can they be traced returning to the profit making organisations in the health insurance industry, basically, are the federal government bureaucrats who determine that the permissible rise in health premiums unduly inspired by the commercial hobbies of the profit making health insurance companies?