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Filling The Gap With Short Term Health Insurance

Rob — Fri, 12 Jun 2009 18:29:11 +0000

When people think of health insurance, they think of traditional health insurance, with office visits, co-payments, and prescription drug coverage. However, such health insurance is not always available. Perhaps you are transitioning from one job to another; or maybe you are employed part-time or with a temporary agency that does not offer full health coverage; or you might be attending or just graduating from school.
In these situations, traditional health insurance is sometimes not available. If you are unable to afford traditional health insurance but would like some coverage in the case of an accident or emergency, short-term health insurance is your best bet.
Short-term health insurance fills the gap in health insurance coverage that may come about for a number of different reasons, including those listed above. The idea of short-term health insurance is built into the name, it is a short-term solution offering short-term coverage, with the expectation that at some point, you will begin or resume traditional health insurance coverage. It is designed for those who would like some coverage in case of accident or injury and covers only emergency or serious medical expenses, such as x-rays, ambulance fees, intensive care, and a certain amount of hospital care.
Though policies vary, these are often standard in short-term health insurance coverage. However, short-term health insurance does not cover regular physician visits, nor do they cover pre-existing conditions. If you are looking for this sort of coverage, you should consider obtaining a traditional health insurance policy or looking into other options.
Short-term health insurance costs vary greatly; you will have a monthly premium, ranging anywhere from $25 to $100, depending upon the plan’s coverage and deductible, which often begins at $250 and can increase to $5,000. Most policies these days also offer a reasonable pay-out amount (often one or two million dollars). Policies allow you to choose coverage for specific lengths of time, from 30 days to 90 days or six months, but almost no short-term policies extend past one year.
How do you find short-term health insurance? It is not as difficult as it may seem. A simple Internet search will yield a number of companies that offer short-term health insurance coverage. Searching online will also give you the opportunity to compare different companies and different plans. Just be sure to research each of the policies carefully to understand your maximum pay-out as well as deductibles, coverage, and other terms of the agreement.

We’re a resource site for those looking for health insurance advice or need health insurance tips. Visit us or check out our health insurance articles.
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Do You Need Private Health Insurance?

Rob — Tue, 09 Jun 2009 00:26:12 +0000

Health insurance has been one of the most popular types of policy in recent years. But during uncertain times such as these, many see health cover as a luxury and one they can do without. Few seem to think about the protection a good health insurance policy actually provides for them and their family. Going with could be a dangerous route to take.

In a country which provides free health services and care, those living on a budget tend to fall back on it – the NHS. But many tend to forget that it’s your health and quality of life (and that of your family) which you’re protecting. This is not a decision to take lightly given the many misgivings many people have about the quality of service provided by the NHS. Why risk becoming a victim of the “it won’t happen to me” scenario?

Private health care tends to out-perform the NHS on nearly every aspect of its service – reduced waiting lists, cleaner treatment environments, lower risks of infection, quality of customer service, private rooms and so on.

The overriding question is, would you consider overcoming all of these NHS issues (and many more) for yourself and your family for what could be an easy to set up and affordable health insurance package? Although paying for private health services on a one-off treatment basis can be expensive, a monthly health insurance policy can be very low cost.

To get the most out of a private health insurance policy, you should be looking for three things:

A good health insurance comparison tool will collect the vital bits of information about you before using this information to find your best option from the UK’s leading health insurers – regardless of your circumstances. No risk or circumstance should be a problem when you’re comparing the whole health insurance market.

Once you’ve found your best health insurer, the best thing to do is get on the phone and talk to an impartial advisor about your requirements alongside the quotes and policies on offer. A health insurance comparison site offering online quotes is likely to be misleading. The health insurers will struggle to guarantee a price or online quote until they have a pretty good idea of your medical history and complete requirements.

Insurancewide’s health insurance comparison service is free for you to use, you don’t need to buy anything and there’s no pressure selling at the other end. It’s free advise – can you risk not taking it?

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Saving Major Money on Your Health Insurance

Rob — Sun, 07 Jun 2009 12:26:08 +0000

Many people don’t even realize that they are paying too much for health insurance in Texas. If you are one of these people you might want to consider searching online for some different health insurance prices to see if you could be saving money.
There are several things you can do to save money on your health insurance in Texas:
Scale back your insurance and keep only what you need. Many people pay too much for health insurance in Texas because they are paying for options they don’t even need. Some people that pay for health insurance rarely go to the doctor, so opting for a less expensive plan with a higher co-pay might make a lot more sense for them.
In order to save time when searching for health insurance in Texas make your search terms as specific as possible like adding the city you live in or at least adding “Texas” to the term “health insurance”. This will help you bring up only the most relevant search results and should save you a lot of time sifting through information that doesn’t apply to you.
Opting for a good HMO (Health Maintenance Organization) plan is a great way to save money. When it comes to health insurance in Texas, HMO’s are generally much more affordable than most other types of health insurance. HMO’s save money by contracting only with doctors and hospitals that agree to charge the fees the HMO has deemed fair and reasonable. Choosing this type of health insurance limits your choices of doctors and hospitals, but for most people the savings is worthwhile.
Age plays a factor in the cost of health insurance plans in Texas, but don’t let that stop you from looking for a better rate. Shopping around is still the best way to compare the features and benefits of each plan and weigh them out with the costs in order to make the choice that is right for you. Whether you are 20, 40, 60 or older, have children or don’t, you have the right to get the best health care you can at a price you can afford and you shouldn’t give up until you get exactly what you need.
Finding the right health insurance in Texas at the right price means making choices. Choices about the type of plan you need, choices about how much coverage you require, what co-pays you are willing to pay and how much your deductible should be. Once you get all the pieces to the puzzle in the right places you should have a health insurance plan that you can afford and live with.
Filling out health insurance applications online is the most efficient way to get the health insurance in Texas that you need. You can take all the time you want without an insurance agent breathing down your neck and trying to talk you into spending more money than you can afford for options you don’t need or want. It is easy to find the information, compare it and then sign up with health insurance plan of your choice all right on the internet.

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Health Insurance – What’s Special About It?

Rob — Sun, 07 Jun 2009 06:31:39 +0000

TYPES OF HEALTH INSURANCE PLANS AVAILABLE
In order to understand your health insurance coverage, you must first be able to identify what type of health plan you may have. There are 3 different health plans available to consumers:
PRIVATE HEALTH INSURANCE PLANS AVAILABLE
Typically, a health insurance benefit plan is a contract between your employer and a third party (an insurance company). These contracts vary widely depending on the benefits and coverage levels negotiated by your employer. Oftentimes, the benefits information provided by your health insurance plan is confusing-leaving you unsure of what speech and/or hearing services will or won’t be covered.
Remember, the benefits booklet you receive is merely a summary of benefits-not actual contract language. You may need to examine the policy or contract to truly understand your health insurance plan’s coverage and limitations. The policy or contract can be obtained from your benefits manager. It is vital that you review the speech and hearing benefits information provided by your health plan and employer before you receive services.
MEDICAID
Medicaid provides medical assistance to certain individuals and families with low incomes and resources. It is jointly funded by the Federal and State governments. Although the federal government establishes national guidelines, each state has the authority to establish its own eligibility standards for health insurance, determine the type and duration and scope of services for health insurance, set the rates of payments and administer the program. As part of the plan, the state must offer medical assistance for certain basic services to those living under the poverty level. For adults over the age of 21, the states are not required to provide speech-language pathology and audiology services.
To ascertain the coverage in your health insurance state, you should contact the state Medicaid agency.
For children under the age of 21, the Medicaid law requires the states to provide hearing screenings and assessment of communication skills and language development as part of the Early and Periodic Screening, Diagnostic and Treatment (EPSDT) service. Based on the findings of this screening, the state must provide services and related devices such as hearing aids and AAC devices to treat or ameliorate the condition. Medicaid recognizes the importance of school-based speech-language pathology and audiology services although it is a medical assistance program. The federal Medicaid program actually encourages states to use their Medicaid programs to help pay for certain health care and health insurance services delivered in the schools if federal regulations are followed. Contact your local school district to inquire if they participate in the Medicaid program.
MEDICARE
In 1965, the Social Security Act established both Medicare and Medicaid. Medicare is the federal health insurance program that is designated for those people who are 65+ years of age. Although directed towards a specific age bracket, Medicare plans are also applicable to certain disabled people.
Medicare covers most health insurance services for assessing and treating speech, language, swallowing, hearing and balance disorders. It covers most hearing examinations but it does not cover hearing aids or tests for hearing aids.
Medicare has two major parts: Part A is hospital insurance and is financed through federal taxes while Part B is supplementary medical insurance and has a monthly
premium.
Medicare Part A helps cover hospital stays, limited skilled nursing facility care when daily skilled services are needed, home health care and hospice care. Most services for speech, language, hearing and related disorders such as those effecting swallowing and balance are covered in these settings. Medicare regulations allow rehabilitation services when significant functional progress is expected and/or maintenance care is needed.
Medicare Part B helps cover physician services, audiology testing services, outpatient hospital services, rehabilitation agency services and comprehensive outpatient rehabilitation facility services. Service for speech and related disorders are covered in these settings. Thanks for reading.

California Health Insurance – For The People

Rob — Sun, 07 Jun 2009 00:27:16 +0000

One of the best things about California health insurance, and something that makes it different from health insurance in other states, is the fact that everyone can get health insurance. The state has worked hard to create a network of health insurance provides to ensure that everyone that wants health insurance can get affordable health insurance.
California state law required certain provisions to be included in polices written by health insurance providers. In addition, the state also aims to see that health insurance policies are made available to all California residents, regardless of income. The state requires that all health insurance policies be renewable and that pre-existing conditions do not prevent you from getting health insurance. So, as long as you have a policy then, no matter what happens to you, the insurance company cannot simply cancel it and must give you the option to renew your health insurance.
Let’s say that you are a young professional just starting out and have a small business. The state makes it possible for you to get affordable health insurance that you might not have been able to get otherwise. You look at this new policy and wonder why you are getting some of the benefits that you are getting. You cannot see why you would need some of them and wonder if it is a waste of money.
Then suddenly your life is turned upside down by a tragic accident and you now face a very long recovery process. Suddenly the benefits that you did not think you needed come into play and the long-term care needs are covered. You can relax and focus on getting back your life and just getting healthy again. Health insurance is designed to cover the cost of being sick, getting healthy and staying healthy.
We can never forecast all the possible things that might happen to us in our lives. While certain things may look like a waste of time, everything can change in an instant. You are young healthy and live a healthy lifestyle and that is great for you and you will benefit from that. But there are always accidents and illnesses that can have a profound impact on the quality of your life.
The California health insurance system provides residents of California with the very much needed peace of mind. They know that no matter what their finances, job or health conditions they can get health insurance and that their policy will protect them no matter what happens. We never expect a young healthy person to end up needing long-term care but, unfortunately, it happens every day.
The end result is that by ensuring that everyone gets covered it keeps the cost to the state down. It should also help reduce the overall cost of health care for the residents of the state. There are no uninsured expenses that have to be absorbed by the medical community. When you look at your policy remember you may not need some of these things now but you might some day and you’ll be glad they were there.

Not Having Texas Health Insurance Is Not An Option

Rob — Sat, 06 Jun 2009 18:32:05 +0000

There are a lot of Texas citizens that are in the position of being uninsured. If only these people understood the value of health insurance in Texas it would quickly become more of a priority to them. Another problem is that some companies don’t want to offer good insurance to their employees because; they too, feel they “can’t afford it”.
Unfortunately, far too many working people in Texas do not have health insurance. Many times they avoid getting health insurance in Texas because they don’t believe they can afford it. All too often people are living paycheck to paycheck and struggling just to put food on the table and gas in their tanks and they just can’t imagine having one more bill to pay.
People in Texas without insurance usually have a reduced quality of life. Without proper health insurance in Texas people are more likely to ignore health problems and avoid routine check-ups. The problem with this is that by the time they figure out that something is wrong, it may be too late. Another common tendency of people without health insurance in Texas is to “self-medicate” with drugs or alcohol to cover aches and pains rather than getting to the root of the problem with proper medical attention and this leads to even more problems.
Sadly, many of these people are oblivious to the fact that they may qualify for free health insurance through the government. There are plans like Medicaid and Medicare that are designed to provide health care for those who can’t afford it on their own.
The worst part of the belief that a person can’t afford health insurance in Texas is that nobody can afford to be without it. If a person has an injury or develops a serious illness the medical bills will pile up quickly and they will be buried under a massive debt. The few dollars per week that would’ve been deducted from their paychecks will seem like a small price to pay once they are faced with the huge medical bills for their treatment.
Even worse than that, a person without health insurance may be denied life-saving treatments if they can’t afford to pay for them. If you were to need a heart, lung or kidney transplant and did not have health insurance you would simply be left to die, because the hospital knows that you aren’t going to be able to pay possibly a half a million dollars or so, especially if you die during or after treatment.
Good quality preventive medical care is vital for maintaining good health. Not having proper health insurance in Texas leaves a person open to a lot of diseases and illnesses that could otherwise be prevented. The cost of not having health insurance in Texas is far greater than the cost of paying a premium and those who truly can’t afford to pay for health insurance should check into a government sponsored plan because everyone needs health insurance.

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How to Find Affordable Health Insurance for Individual?

Rob — Sat, 30 May 2009 18:29:34 +0000

Shopping for affordable health insurance can certainly be an eye-opener. If you have always had a health insurance benefit where you work – especially a state or federal employee – and now have to buy your own, you may not be able to afford the level of health insurance coverage you have become used to

Affordable health insurance – it seems, especially today, those words just don’t belong together in the same sentence. Health insurance monthly premiums have become the biggest single expense in our lives – surpassing even mortgage payments. In fact, if you have any permanent health problems, such as diabetes, or have had cancer at one time in your family history, your monthly cost could easily be more than the house and car payment combined. .

Affordable health insurance, however, is definitely available -if you know how and where to look.

When you are looking for affordable health insurance, you want the lowest cost per year that will fit your budget, of course. But, even more importantly, you want a company that has a good record for paying without fighting with you on every detail. Just as there is a car for just about any budget, there is also affordable health insurance. You may not be able to afford a “Cadillac” policy – but then you probably don’t need all the frills anyway.

Shopping for health insurance on the internet is the easiest and best way to find affordable health insurance. Here are five reasons why.

1. You don’t need a local agent to help you submit the claims for health insurance. The medical provider does it for you. You save money because the health insurance company saves money by not paying the agent commission. This could amount to an 8% to 12% savings to you.

2. All the top health insurance companies are at your fingertips on the internet. Most local agents can only quote you from the few companies that they represent. They may not offer you what is best for you financially or health-wise but only what they happen to have available.

3. Health insurance companies have to be extremely competitive because it is so quick and easy to compare them with their competitors on the internet today. In the past you would have had to visit physically eight to ten agents to do a similar comparison. Most folks just didn’t have the time or desire for that.

4. You can change your coverage, deductibles, and payment options with just a few clicks rather than going through the paperwork delay with a local agent (and then finding out he/she made a mistake – more delay).

5. Charging to a credit card means you aren’t going to forget a payment and be without insurance. Also, it gives you another 30 days before you actually have to pay. Also, many companies today give an additional discount for “auto-pay”.

The key, however, to finding affordable health insurance is realizing that the purpose of any health insurance is to protect you from a major financial loss – not to protect you from spending small money on clinic visits and sliver removal. These small expenses may be cumbersome but they generally will not hurt you. It’s the $100,000 heart operation that will break you. That’s the financial disaster health insurance was originally designed to prevent.

Also, keep this in mind. Health insurance, as with any insurance, is a gamble. You are gambling that you will draw out more than you pay in. Your health insurance company is gambling they will pay out less. The odds are in their favor for two reasons. They have all the facts for millions of families to average out, so they know the risk in advance. Also, they get to set the rules and the prices. The higher you set your deductible, the more risk you take. This is not a bad thing at all. You will most likely be the winner in the long run.

Yes, finding affordable health insurance is much easier than most people think.

Taking more of the risk with higher deductibles, spending a little time on the internet comparing eight to ten different companies, and deleting coverage that you will not likely need (such as maternity for many folks) will make it very possible to find your own affordable health insurance.

To view our recommended sources for health insurance, or to read more
articles about health insurance, visit:http://insurance-quote-puppy.com/choose-your-health-insurance.htm
Jimmy Chuang is the publisher of
Health Insurance Quote Puppy. He provides more insurance information and
offers free home, life, health and auto insurance quotes on his website.
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Find Affordable Health Insurance

Rob — Wed, 27 May 2009 18:29:20 +0000

If you don’t have health insurance, because of a layoff or other change in work, a divorce or a preexisting medical conditioned, don’t give up. Efforts to expand health insurance coverage reportedly are becoming quite common. Proposals have been introduced in many states, and Illinois has approved, a plan to offer low-cost health insurance to children that began July 1, 2006.Even under current law, it’s possible to find coverage for you and your family, usually at a reasonable cost. Options to consider if you need health coverage but are too young (under age 65) to qualify for Medicare…COBRA/STATE PLANSFor people who recently have lost group coverage, a smart choice may be to purchase a policy under COBRA, the temporary health benefits provision of the Consolidated Omnibus Budget Reconciliation Act of 1986. According to the rules, you can continue to be covered under your employer’s insurance for up to 18 months at up to 102% of the former policy’s expenses, depending on your circumstances. This amount includes both the employee and the employer’s share, if your employer splits the expense with workers, as many do. (The extra 2% is for administrative costs.) COBRA usually is available only from companies that have at least 20 employees. (Your spouse and dependent children can be covered for up to 36 months.)Paying the full tab can be a shock to someone who is accustomed to having an employer pick up most of the cost of insurance. However, while COBRA policies often are more expensive than those purchased privately on an individual basis, they usually have more comprehensive benefits.What to do: Apply for COBRA through your previous employer. To get more information on COBRA, contact the US Department of Labor’s Employee Benefits Security Administration, 866-444-3272.Helpful: Many states require smaller companies and others not bound by COBRA to offer some type of continuation of coverage to employees. For a database on health-care coverage options by state call 703-276-0220.INDIVIDUAL POLICIESIndividual insurance is regulated on a state-by-state basis. You must buy a policy sold in your home state. Rules for individual health insurance outside a group plan vary among states.*Medical underwriting. In the vast majority of states, insurance costs are based on the applicant’s health status. He/she will be assigned a rate class by the company and put into a pool with similar individuals who will be charged the same premium. Also, many states allow health insurers to issue elimination riders to people who have preexisting medical conditions. These riders allow you the option of picking a policy that covers all conditions or a less expensive policy that excludes certain preexisting conditions.*Pricing based on guaranteed issue/community rating. “Guaranteed issue” laws state that a health insurance company cannot reject you for coverage based on any preexisting medical condition. Community rating laws say that everyone in the same geographic area pays the same price for coverage, regardless of age or health. It may be easier for people with medical problems to obtain coverage in states with such laws, but there is a price involved.These laws make individual coverage in the state more expensive, on average, because insurers do not have the medical information to appropriately spread risk among the applicants. In these states, healthy young people are much less likely to purchase coverage. This makes coverage more expensive for those who do buy it.Examples: A healthy, 25-year-old man living in the New Jersey suburb of Haddonfield could pay $467.16 per month for a comprehensive individual policy with a $1,000 deductible. If he lived in Pennsylvania in the suburb of Wayne (20 miles away), then he could buy the same policy for only $58.86 a month. A healthy, 60-year-old man in Wayne would pay $289.82 for that policy. A man of the same age living in Haddonfield would be charged the same $467.16 a month that the 25-year-old pays for the plan. These vast price differences are due to the community rating and guaranteed issue laws affecting individual insurance in New Jersey.*Using rates obtained from eHealthlnsurance. All rates are subject to change.What to do: Purchase private coverage from an independent health insurance agent licensed in your state.HEALTH SAVINGS ACCOUNTSFor a tax-efficient way to pay for individual health insurance, consider a health savings account (HSA). You must choose a policy with a high insurance deductible – at least $ 1,000 for individuals ($2,000 for families) up to a maximum of $2,700 for individuals ($5,450 for families) as of 2006. Every year, you make your tax-deductible contribution up to the amount of the deductible. You withdraw money from the account to cover out-of-pocket medical expenses.For people who create HSAs but don’t need to tap them, the accounts can function like individual retirement accounts. The money can be invested to grow tax-deferred. After age 65, you can withdraw the money for any reason, but you will have to pay income tax if it is used for non qualified expenses.COVERAGE FOR SERIOUS MEDICAL PROBLEMSIn most states, you can be turned down for individual coverage if you have a serious medical condition (e.g., HIV or cancer). Fortunately, most states have developed some way to provide hard-to-insure people with access to private individual health insurance coverage.Thirty-three states provide high-risk pools. You can apply for high-risk pool coverage through an insurance agent or directly to the state. Coverage costs more than private coverage because all the people in the pool have serious medical problems, but the rates are capped, usually between 125% and 200% of the average individual market premium. For instance, in a state where a healthy person pays $100 a month, someone of the same age in the risk pool might pay $150.Twelve states use other means of providing hard-to-insure people with access to individual coverage (for instance, requiring coverage through a designated health insurance company of last resort). Five states – Arizona, Delaware, Georgia, Hawaii and Nevada – offer no individual coverage options for those who are hard to insure.

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Health Insurance – Why Is It So Expensive

Rob — Tue, 26 May 2009 18:28:40 +0000

Health insurance has become one of the largest monthly expenses for the vast majority of Americans. Not only has it become quite expensive, but for many, health insurance isn’t even available because they simply don’t make enough money to fit health insurance into the budget. This has left hundreds of thousands of Americans without adequate health coverage, including many children. For these reasons, health insurance has also become one of the biggest concerns for most people in the coming elections. So, why has health insurance become so expensive?
The first thing you need to understand about health insurance companies is that they are businesses whose sole interest is to make money by providing a service. In order to make money, these companies must turn a profit by bringing in more money than they spend. In today’s regulatory environment, along with the increased number of lawsuits related to health care, the cost of doing business in the health insurance industry has skyrocketed. These companies, in turn, have had to raise rates to accommodate those additional costs in order to keep making a profit.
That’s not to say that health insurance companies are completely honest with you about just how much health insurance is going to cost you. Most health insurance companies quote premiums based on age. You’ve seen the television ads that offer health insurance for a mere $129 per month for a 29 year old non-smoker. While that sounds like a very reasonable rate, there is more to this than meets the eye.
In order to get the rest of the story, so to speak, you’d need to look at the actual policy and the so-called “fine print.” In order to qualify for that low $129 rate, you’d have to be a perfectly healthy person whose never gotten sick in the past and have absolutely no reason to need health insurance in the first place. In short, they can offer this rate because there is little to no risk that the company will have to pay out any kind of benefit to this person.
Another thing you might not notice from just watching the advertisement is the size of the deductible. For the rate mentioned above, the deductible is likely to be somewhere around $1000. For other policies, the deductible can be as high as $5000.
So, what is a deductible, you might ask? The deductible in an insurance policy is the amount of money you must pay out of pocket before the insurance company will start paying out benefits. Usually, the deductible does not apply to all health care expenses, so you have to pay careful attention as to whether the policy is worthwhile in your particular situation. In some cases, you would spend less money just paying for health care services out-of-pocket than actually purchasing health insurance because of the deductible.
Another thing that might raise the price of insurance coverage is a pre-existing condition. This is any condition that existed before you purchase coverage with any specific health insurance company. In many cases, you may not be able to get coverage for that condition at all, unless you can prove that you have had continuous care for that condition during the time in which you had no insurance. Even if it is covered, you can be assured that it will cost you more money for it.
Because of all of these variables, most people wind up with far higher premiums than those low rates advertised on TV. In some cases, people may not even be able to get insurance at any price, due to the perceived risk to the insurance company. In many cases, the resultant premium is just simply too high to fit into an individual’s budget, and so they continue on without health coverage.
High insurance premiums are a fact of life in these times, and are likely to remain so for a long time to come. The only way to change this is to fundamentally change the approach to providing health care in this country, by socializing the health care system. This, however, comes with its own set of problems that can be worse than the current system in many respect. The bottom line is that there are no easy answers to solving the health care problems in this country. The only thing you can do is to be aware of all the issues surrounding the problem and make your decision based on facts, and not what the talking heads on television are trying to tell you.

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Health Insurance – is it Only for the Old and the Sick?

Rob — Mon, 25 May 2009 00:27:12 +0000

It has become alarming that a growing number of fit and healthy people today actually think that they have nothing to do with health insurance. They exercise regularly, do not smoke or take alcohol, eat nothing but nutritious diet, and lead a healthy stress-free lifestyle. Some even convert to vegetarianism, practice yoga meditation, reiki, chi gong and other Eastern practices thought to prevent diseases and increase longevity. So who needs health insurance anyway?
Sadly though, a number of these health buffs, some in the prime of their lives, suddenly get sick and die. You’ve probably heard of this athlete who, while jogging, just suddenly keeled over and fell dead in his running shoes. This just disproves that being healthy means being invincible to all diseases and sickness. There will always be a “chink in your armor” that infections and dread diseases can penetrate.
Is health insurance only for the old and the sick?
If health is wealth, then it cannot be emphasized enough that having a health insurance is definitely one of the best investment you can ever have. The famous pro-gun slogan “It is better to have it and not need it than to need it and not have it” can very well hold true for health insurance.
Health insurance has become one of the hot issues that often spark debates and controversies. Each individual has his or her own opinion as to who should get medical insurance. As was stated above, the healthy and the strong believe they don’t need health insurance anymore. The sober truth is nobody is born with a crystal ball to gaze into their future. Nobody can foretell the time and circumstance when they will get sick and require medical attention.
Another problem is that uninsured healthy people have the tendency to miss health checkups and regular physicals that provide advance detection of dread diseases, abnormalities and malignancies that could be silently spreading in their system. This can lead to disastrous consequences.
What are the benefits of health insurance?
This popular type of insurance safeguards you and your family from sudden medical emergencies that could lead to financial crisis. A well-chosen health insurance plan can provide some financial security and save you from a lot of worries if and when urgent medical care should arise.
This insurance makes cash available to pay for the various medical expenses and health care requirements covered by the policy. It also covers disability expenses and long-time health care requirements like in-house nurses and caregivers. This means you get immediate and complete health care as compared to uninsured individuals.
How does health insurance maintain your health?
One misconception about this type of insurance is that it is ONLY a way of settling medical bills in case you became sick or got injured. While this is true, it is only a part of the many benefits of health insurance and not the whole. This type of insurance not only insures your health; it ensures it.
Keeping you in perfect health not only helps keep the cost of health care at a minimum. It can make health insurance premiums low and within reach of everyone. Health insurance providers like Blue Cross Blue Shield know the value of keeping you healthy. They are also aware that keeping you in good shape eventually saves them a lot of money.
Health insurance companies have various ways to make you aware of the benefits of staying healthy. One of them is through educating the public by means of available online materials and information. They make the public the public aware that smoking kills, that obesity leads to heart complications, that wearing protective gear lessens the damage of accidents or that stressful living leads to a shorter life span.

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