Do I Need Health Insurance?

by | September 12, 2017 | No comments yet

You may be eating healthy, maintaining a balanced diet, exercising regularly, taking vitamins and doing everything to keep yourself healthy. But what you don’t take into account is that you are still susceptible to some diseases and even accidents. What would you do by then? Will you have enough resources to answer for your hospital bills or medical aids? What if it doesn’t happen to you but your family instead? Will you be able to bring them to the doctor and afford what they will need? Do I need health insurance?

Health insurance helps you pay the bills and expenses that you will need when you or your family’s health state is at risk. Health insurance provides you financial support especially for cases that you don’t have enough to afford medical expenses. As medical care advances, so the health costs increases, it is better that you have saved money for the medical costs if anything happens and that you could afford the price. But if not, then having health insurance would be better for you.

At any age, health insurance would be beneficial, but it is better to start investing early for it lessens the risk of not being ready in the future and you could start paying in a smaller amount. Health insurance could be acquired from large or small employers, public programs or individual coverage. The price differs according to age, the rating area and a number of people in the family. And if you already turn 65 years old, and still doesn’t have any health insurance yet, Medicare kicks in, and you can relax a bit. But be warned that Medicare does not cover everything. You may need the help of a supplemental plan like Medigap plan also called Medicare Supplement plan. It covers the gap or the health care costs that your Original Medicare left off. In other words, it is insurance for your Medicare. Medigap has ten types of plans to choose from, in order to compare and find the best plan that will fit your needs, you may have to check for Medicare supplement quotes which you can easily request on various Medigap sites online.

Pricing of health insurance would be different in age because the older you are, the more prone you are to sicknesses due to aging or lack of proper exercise and healthy diet unlike when you were younger and you still take note of what you eat and how it affects your body. The rates would refer to where you live and if the rates of the goods in there are more expensive than other places or lower than others. The price also differ according to the number of family member because they will have to consider how many people they will need to insure and you will need to buy benefits for since they also answer for your family’s health needs and expenses.

You could also choose to take extras that your health insurance would cover, for example, the regular doctor visits or the dental check-ups or if you have glasses or other more concerns in connection to health. Not only will you be prepared for something unprecedented but you could also save a lot while still having your regular visits to the hospital/clinic.

Investing your money in health insurance will help you get ready for the unexpected thing that could come and affect you and your family’s health. Though some people happen to survive without meeting accidents or severe diseases, it is worthy to be ready just in case and prepare for the worst that could come.

Investing in health insurance is also a way to save your resources at the same time with the health of you and your family. You should not compromise health for the sake of anything else anyway because health is the most valuable asset a person could have. Health affects the length of life and the way of living of a person. Better be sure than be sorry afterward.

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