Medical Insurance Health Usa

Posted in Insurance by admin on May 13, 2010 No Comments yet

Medical Insurance Health Usa Medical Insurance Health Usa
What happens if you become ill or have an accident if you do not have health insurance in the USA?

I’m not from the USA..So I hope you don’t mind me asking.???
(If you can clear up some myths for me..please)

If you are uninsured..and have no money to pay for medical treatment?
Does that mean that…

1)If you were involved in a car accident (for example) they would refuse to treat you? Before you get in the Ambulance if have to show your credit card?????

2)For example if you had cancer..but NO money to pay for treatment….people would let you die..from something that is curable???

This can’t be true ..can it??? It sounds barbaric???

How do the poor get heatlh care in the USA??

If you are brought to an emergency room in a hospital or any medical facility equipped to provide emergent care, a law called EMTALA (Emergency Medical Treatment and Active Labor Act) requires the hopital or facility to provide you with any necessary emergency medical care, regardless of ability to pay. This also holds true if you are in active labor and come to an emergency room.
If you have cancer or some other chronic, debilitating illness, there are resources out there for people who cannot afford high-cost medical care, such as medicaid and medicare, as well as various charitable organizations.
Speaking of the poor, medicaid and medicare, though often underfunded in many states, is their insurance. Usually you need to apply for it, or a health facility will have a social worker help you apply for medicaid and/or medicare if you qualify and can establish need. People who are employed and work for a living pay into medicare and medicaid funds in order to help those less fortunate obtain medical treatment.
Many poor may also be veterans of wars, in which care, VA (Veterans Affairs) hospitals will treat them usually free of charge or at affordable rates even without insurance.

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