Why Health Insurance Is A Must
If you currently have health insurance coverage or you don't
, there is a reason why it is today. , there was never a huge swell for having health insurance years ago for a variety of reasons. One is because the medical health care physician made house calls and payment was anything from a couple of live chickens to newly picked apples.Hospitals were huge institutions that the bulk majority feared and considered a place to go when death was prominent. Only catastrophic events caused any individual to consider going to a hospital. Today is different, as the delivery system for health care has changed enormously. The main reasons why investing into an annual health insurance plan is:
One. Reducing the general health care costs
Two. Putting your mind at rest
Three. The reduced cost compared to not having an affordable health care policy
Four. Avoiding the exclusion of pre-existing conditions
Five. Avoiding disastrous incidents causing terrible financial costs
When you have maintained an inexpensive health insurance policy for many years the thought is that when you do require to file a health insurance claim the money is there for you. It does not automatically work that way, but the overall idea is to have the health care provider pay the larger proportion of the cost and you make the co-payment, which is at a cheap rate. This in itself offers the individual and the families a sense of protection should any major illness strike. In particular when you have kids, the need today for health insurance is more significant than it ever was due to the high spiraling expenses.
Most individuals with an affordable health insurance plan will also have a suitable prescription drug plan along with it. This helps many of those people because it is not only the medical insurance that is climbing higher, but the prescription medication too. There are several prescription drugs that will cost into the hundreds of dollars. Who can afford to make that kind of payment?
What can happen is a person will make their appointment with the medical health care doctor and because of the cost; they will forgo having the medication filled. This will only make the therapeutic process take even longer because the medication is never filled. Folks with one or more pre-existing conditions will find that without a health cover policy that is current they could be denied help, unless they have the money to pay out of pocket. Pre-existing conditions are becoming a incredibly large obstacle with many families and there is nowhere to turn to.
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