The medical insurance issue is the availability and price for people with uninsurable medical conditions. All people with multiple sclerosis want and deserve quality medical care, but this is virtually impossible without adequate medical insurance coverage-the two are inseparably linked. As the costs of medical care continue to increase, people with major medical issues run the risk that adequate medical insurance coverage will be priced beyond their reach. This is especially true for individuals who do not have medical insurance by employers, former employers, Medicare or Medicaid, and must buy medical insurance on their own or as part of a small group. Yet the risk exists to some degree for people with medical insurance coverage, even Medicare. Federal and state laws will play a major role in assuring the availability and affordability of public and private sector medical insurance plans. On this issue, the public policy issue goals of the National MS Society are:
The healthcare agent will allow you to meet the goals. The medical insurance plans will provide more benefits to the people who are suffering from the health problems. There is a reduction in the risks with the insurance policy. The meeting of the needs and requirements is possible.
Promote medical insurance for all needed MS treatments and therapies in public and private medical insurance plans. Support reasonable co-payments and deductibles for all MS treatments. Support laws and regulations that provide access to public and private medical insurance plans at a fair price.
Statistics show that 60% to 65% of MS people are covered by employer-sponsored or other private medical insurance plans 20% to 25% are covered by Medicare (the federal medical insurance program for elderly and disabled persons) 5% to 10% are covered by Medicaid (the joint federal-state medical insurance program for people with low incomes) or other federal medical insurance programs, and 5% to 10% do not have medical insurance.
Over the past 20 years, when medical insurance companies have experienced economic difficulties, the problems carried over into the provision of medical insurance coverage. The obvious example was the campaign of medical insurance companies in the late 1980s and 1990s to push individuals into managed care organizations (MCO’s) as a means to promote efficiency, eliminate waste, and stem the tide of rising medical insurance costs. While the rapid growth of MCO’s succeeded in controlling medical insurance costs for a time, the trend brought a new set of problems for patients who often experienced treatment decisions that seemed to be based on cost controls rather than standards of quality medical care. This medical insurance issue was spawned and a great deal of interest was created in finding a policy solution.