1/10/2008

Medical Health Insurance - Do Not Leave Home Without It

When we are young, we never think about our health, and expect that we will live our days blessed with good health and no illness or accidents. But that is not what the world is like. There is so much uncertainty in this world; you can come down with a bad virus, you can get hit by a car, you just never know what can happen to you and so you have to be prepared for anything to happen. This makes medical insurance a real must for all of us.

At one point when I was eighteen, I was offered a health insurance plan. I did not even think about taking advantage of it since I was still covered under my parents policy. But, when the time came and I should have sought out health insurance, at age 25 when I was no longer covered, I still ignored it. I was in the prime of health; what could possibly happen to me to require that I have health insurance? Put it down to dumb youth. Even at that young age, you should be careful about being protected. I was an active person; what if I hurt myself playing football or skiing? There was no way I could afford to pay a hospital bill if I broke a leg. It is a serious question to think about.

Just because you do not need medical insurance today does not mean that you will not need it tomorrow. I guess a lot of young people think that since they did not use the insurance, they just threw that money away. Why should they continue to throw it away month after month? That is just being blind to reality. Even if you never got sick, there are always accidents waiting to happen. If you were in a car accident or broke a leg, you would be very happy that you had health insurance. Doctor and hospital bills are astronomical, and very few people can afford to pay them out of pocket. Even if you do have to pay a deductible, it will not compare to the total bill if you go into the hospital after an accident. A bill like this will haunt you for the rest of your life, and the hospital and the collection agency are not going to forget about it.

If you have medical insurance, you do not have to worry about these things. The medical insurance company takes care of all of the doctor and hospital expenses. You will be very happy you had medical insurance if you are ever in an accident.

You cannot count on never having an accident or never getting sick. These things can happen to the most careful people and to the healthiest people. It will give you a great deal of peace to know that if anything does happen, most of the bills will be taken care of. We cannot possibly manage something like this on our own. We need to have health insurance during the good times to make sure it is there during the bad times when we need it.

Michael Benifez reports for http://www.LifeinPalmCoast.com, covering world of finance, mortgage loans, refiancing and insurance in Palm Coast, Florida and Flagler county. His latest article on Flagler county Florida health insurance covers health care options.


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Affordable Health Insurance An Absolute Bargain

In today?s world where nothing seems to be certain anything can happen in a blink of an eye, we must make sure from our point of view that we take the necessary steps towards achieving some amount of sanity in life. That sanity can come if you go for health insurance. With health insurance the person becomes satisfied and a satisfied person can achieve more than a discontented one. It is important that whatever valuable a person has should be insured but health being one such thing which needs insurance more than most as once good health is lost would be difficult to recover.

There are many different ways by which you can go in for health insurance so that it does not affect your pocket that much. The various policies available to you are:

? Fee for service insurance in this type of health insurance it pays the each portion of medical you get such as doctors visit or anything else and you pay the remaining costs. Premiums are a little higher but manageable.

? Managed care plans is the other option available to the users for health insurance in this the insurance company has contacts with doctors and hospitals to provide you with services. You pay the monthly premiums and a small amount of co pay to the service providers usually ranging in between ?10 ? ?15 this is a cheaper form of health insurance hence very affordable

? COBRA is an acronym for consolidated omnibus reconciliation act of 1985. With this you can get health insurance. This is under the federal government so approachable to everyone.

The types of policies in these include

? Guaranteed renewable
? Non cancelable

These three ways provide you with the option of going in for health insurance. Also you can choose between an individual policy and a family policy for your health insurance plan.

An independent broker can help you a great deal in understanding the health insurance policy that you would need to take depending on your credit and your needs. Apart from that he can give answers to all the queries which would further enhance your understanding of health insurance. There are a plenty of options available to you to choose from in case of health insurances.

It is difficult for people with pre existing conditions which include pre agreement diseases to get insurance cover. However they can go in for coverages like:

? Open enrollment
? Health insurance provability and accountability act (HIPAA)
? State requirements
? High ? risk pools
? Temporary coverage

This can serve the purpose of people with pre existing conditions.

Most of the things in life can be recovered but health is one thing that is difficult to recover without proper care. That proper care can be received with health insurance. After all it is your own health and concerns not only you but all the people around you.




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