One of the greatest crisis America is facing is our citizens who do not have health insurance. As you live your life you will become aware of the many catastrophic health issues that can happen to you or your family. Age alone doesn’t play a role in poor health or a terrible accident. Having health insurance will make these terrible situations seem not quite as bad by lessening the financial burden. There are many different types of health plans with many different types of coverage. You want to first see if you are eligible for a group plan or have to choose from one of the many individual plans. The type of plan you choose will have a direct impact on how you will be treated, where you will be treated, and the type of care you will receive.
Group plans are usually offered through your employer or your spouses, unions, business associations or fraternal groups. These plans usually offer lower premiums because they have a much larger membership. Also there are usually far fewer exclusions because of the large membership .These type of policies are not owned by you but by the organization or employer. If you are not eligible for one of these plans it is essential you find an individual health plan. There are many different types of these plans with many different premiums. Your premium is usually based on the type of deductible you have and whether you choose a PPO or an HMO. A PPO allows you to go to the doctor of your choice, while an HMO you will be a member of a medical group. Both are fine it just depends on personal choice and what you can afford. A PPO usually costs more than an HMO. Before you choose any policy make sure you understand it fully and know the type of medical care that will be available to you.
Many Health insurance policy cover some of your disability bills as well as possible custodial care. You want to understand if your medications are covered and if any you take will be excluded. Many insurance companies do not cover all medications. This could be very important to you if you take certain drugs that are not covered. Age should not make you shy away from getting medical insurance. There are policies tailored to all health groups
With the cost of medical care today, having health insurance is not a luxury but a must. One serious illness could mean financial ruin for your family. At the same time you may find that many good doctors will not treat you without medical insurance. They may require you to pay large sums of money out of your own pocket if you do not have health insurance. I recommend having some type of insurance even if it it is minimal. It is still better than none. If you search hard I am sure there will be some kind of policy that can fit into your pocketbook.
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