In a perfect world, we’d have no need for health insurance. Everyone would be in perfect health, and those who do get sick would be treated for free. The main problem is that we live in a capitalist society and health insurance is an absolute necessity if you want the utmost in medical care.
Even though it’s often quite costly for some, affordable health insurance is available for those who require it. It’s a matter of spending some time and doing some research to find the right health insurance quotes to meet your needs.
With that thought in mind, let’s take a look at some of the major advantages of health insurance, and will also look at a few of the different types of medical insurance today.
How does that sound? Good. Let’s take a look…
The Advantages of Health Insurance
Let’s face it. We never know when a medical emergency is going to arise. Even if you manage to keep yourself in excellent health, you could suffer from a serious accident and need immediate medical assistance. If this were to happen, you’d have to have coverage to help pay for your medical bills. Otherwise the costs will be so out of your price range that you’ll have a difficult time paying for everything.
Let’s take a look at an example as to why health insurance is so beneficial in this day and age, whether it be group health insurance, family health insurance or individual health insurance…
Say you go to the doctor for a routine checkup. Without insurance, this will typically cost a few hundred dollars as opposed to whatever your insurance company co-pay happens to be. So you’re saving money instantly by having health insurance.
But that’s not the point of this story…
You visit the doctor for your routine checkup. She tells you that she’d like to do a blood test and a number of other tests because you’ve reached an age where closer monitoring is the norm.
To make a long story short, your doctor delivers the results of the blood test to you in person, because she didn’t want to give that kind of news over the phone. You find out that you have a rare blood disorder that needs immediate treatment. Otherwise you can die.
If you do not have any type of health insurance to treat this disease quickly, you’ll have to forgo treatment altogether because the doctors will not take you as a patient since they know you cannot afford treatment out-of-pocket, or at least that’s what they would assume.
In a case like this, having health insurance is absolutely the best thing for you. It will give you a fighting chance at receiving quality healthcare so that you can get over your illness and go back to leading a normal life once again.
Individual Health Insurance
It’s possible that you’ll have the option to get individual health insurance through your job or some type of an employer. But if you happen to be reading this right now, it’s highly likely that your job does not offer this to you as an option.
Do not despair. There are some fantastic low cost health insurance plans available to you today. Take a look around our website, and don’t hesitate to get a free health insurance quote. We’d be happy to provide it to you.
All in all, you may find it difficult to afford your individual health plan. With the affordable health care act, insurance companies are making it much easier for the average individual to afford quality health insurance. Speak with a number of different insurance providers to find out more information about getting a low cost health plan under President Obama’s latest mandate.
Family Health Insurance
When you open up a family health insurance plan it’s actually cheaper for all of the people that and up on your policy. It’s a lot more affordable than an individual insurance plan, because you are giving the insurance company multiple people to insure and they are capable of giving you a better price.
As you can imagine, the more people on the family insurance plan, the lower cost for each individual’s insurance. Now granted, overall, the more people you have on the plan, the more the monthly payment will be. But when you look at it objectively, you’ll see that it’s cheaper to have multiple people on a family plan because each individual’s cost is actually a lot lower.
The same holds true for group health insurance plans as well. When you take out a group plan, everybody’s overall cost is a lot less than it would be for individual health plans.
It’s plain to see that there is a lot more to health insurance than originally meets the eye. If you are struggling finding the least expensive plan, why not get a free quote through us.