Pet Health Insurance Boulder City NV
Boulder City, NV
Opinion: Let’s Reform Health Care For a Better Tomorrow
Health-care reform would be especially good for our profession, as practice owners and employers wouldn’t have the financial burden and social obligation of carrying health insurance for their employees.
Many veterinary hospitals, like other small businesses, don't always have the money or the will to offer health coverage as a benefit.
One of my former receptionists, Martha, had health-care insurance during the six years she was on my staff. Then she went to work at another hospital that did not provide health insurance. When Martha developed symptoms of a urinary tract infection, she delayed going to see the doctor because she and her husband were saving for a house and she was uninsured. Six weeks later, she did go to the doctor and was told she had advanced cervical cancer.
Martha died in three days. She was only 32 and had been married for 10 years. Everyone who knew Martha was upset that she put off seeing the doctor because she didn’t have health insurance. This is a sad but true story.
Many people believe that not having insurance isn't a good excuse for not getting yourself checked out if a problem comes up. But the sad part is that Martha was so young to have this type of cancer. Who would have suspected?
In this century, in this country, people should not lose health insurance because they move to another job or because their employer has to cut back or shut down.
The recession is filtering people out of employment daily. People should be able t...
Copyright 2009 BowTie Inc.
Pet Insurance: Benefit Schedules as Managed Care
Jack L. Stephens, DVM, the father of pet health insurance in the U.S., wrote an article about the 80/20 percent reimbursement model of pet insurance on June 25, 2009. On August 20, 2009, Tom Kendall, DVM, replied, warning of pitfalls in that model making the case for a benefit schedule. In this piece, Dr. Stephens responds and poses a challenge.
| Tom, |
Pet insurance can and must be easy and straightforward to understand. Pet owners need to know how much they will be reimbursed for their pet’s care, otherwise how can pet owners plan financially?
With the benefit schedule you describe, clients receive 50-55 percent reimbursement of veterinary care according to the VPI report to the Vet Partners Association. I believe this is a form of managed care, when fees are set with no regard to practice cost, quality of care, differences in economic areas and, of course, the severity or complications of treatments.
For example, as you know, not all pets with pancreatitis respond the same, so how can there be only one benefit amount?
When reimbursements are much lower than actual cost, many clients make the wrong assumption: Their veterinarian must have overcharged. This is not good for the pet owner, the veterinarian or the pet insurance industry.
A benefit schedule in the early days of pet insurance made more sense because most veterinary care was similar. Not so today, where cost and delivery of care vary widely. It is the insurance company...
Copyright 2009 BowTie Inc.