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It should be noted that the insurance covers not all, but only clearly limited list of medical services. There are not included, for example, a dentist, ophthalmologist, pediatrician and psychiatrist, and others. Ophthalmology - is a branch of medicine that studies the diseases of the eye, methods of treatment and prevention. Insurance on the principle of "all inclusive" can afford only very rich people. As a result of a serious injury or illness can severely undermine the family budget - medical bills are responsible for half of the bankruptcies of individuals in the United States. According to the Minister of Health and Social Development of the United States Mike Leavitt "We believe that the American system is ineffective for today or not as effective as it could be."
Most health insurance companies refuse to insure seriously ill people. Also almost never pay for treatment of diseases acquired prior insurance purposes. Insurance usually covers the cost of drugs, most of which are available only by prescription.
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