Why You Must Have Health Insurance
Whether you have health insurance coverage or you don't
, there is a reason why it is today. , there was never a swell for having health insurance years ago for a variety of reasons. One is because the medical health care doctor made house calls and payment was anything from a couple of live chickens to freshly picked apples.Hospitals were huge institutions that the bulk majority feared and considered a place to go when passing away was eminent. Only catastrophic events caused any person to think about going to a hospital. Nowadays is different, as the delivery system for health care has changed tremendously. The main reasons why investing into an annual health insurance policy is:
One. Dropping the overall health care costs
Two. Putting your mind at rest
Three. The reduced cost compared to not having a reasonably priced health care policy
Four. Avoiding the exclusion of pre-existing circumstances
Five. Avoiding catastrophic incidents causing catastrophic monetary costs
When you have maintained an inexpensive health cover policy for many years the idea 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 percentage 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 children, the need today for health insurance is more important than it ever was due to the high spiraling costs.
Most persons with an reasonably priced health insurance plan will also have a decent prescription drug plan along with it. This helps many of those people because it is not only the medical cover that is climbing higher, but the prescription drugs too. There are many prescription drugs that will cost into the hundreds of dollars. Who can have enough money to make that kind of payment?
What can happen is an individual will make their scheduled time with the medical health care physician and because of the cost; they will relinquish having the medication filled. This will only make the healing process take even longer because the prescription is never filled. Individuals with one or more pre-existing conditions will find that without a health cover policy that is up to date they could be denied aid, unless they have the cash to pay out of pocket. Pre-existing circumstances are becoming a very large obstacle with many families and there is nowhere to turn to.
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