A recent poll conducted on behalf of Colonial Life shows that more than half of employees don’t fully understand their coverage when it comes to health insurance. While the poll focused on cancer coverage, it just suggests that the prevailing attitude toward health insurance is to not worry about it until you need it. Employees are in the habit of just paying their premiums and believing they are covered, but not really bothering to become educated and aware of their coverage. It is this lazy, and overly trusting attitude towards health care which has led to ridiculously high premiums. Since employees have very little choice in the matter, as their employer decides what insurance is available to them, you can hardly blame them for not making the effort to become informed. What will happen if the employer based health insurance system is phased out in the coming years? Will we all be forced to become educated consumers of health care, or will the government replace our employers and we will once again blindly trust that if we pay our money, than we will be taken care of in an emergency?
People cannot rely on others to understand their own needs. There needs to be a sense of accountability.
It is very true that most people don’t have a clue about the type of health coverage they have. I know I was one of those people before I got into the field over a year ago.
Either they (schools) teach this stuff, it is highlighted on the news or people get burned by their lack of knowledge. Some people will take heed and others will not. It is the human condition.