Individual Or Family Health Insurance Options
As more and more individuals working at home with or without families find themselves without some kind of group health insurance. Sometimes even working at a job, no health insurance is even offered.
Thousands of hard-working people in every state are making dangerous choices: No health insurance at all! They believe they are too young or too healthy. They believe they "save a little or a lot of money" and can do without.
Consider your friends, family and neighbors ? people who may have been sick or injured. The fact is, even healthy people may end up with a serious medical condition that can be extremely costly to treat.
Now you can consider how much of a terrible ordeal would be without some kind of quality health insurance to pay for thousands of dollars in doctor fees or hospital bills!
When you really think of it and ask yourself this question ? "Can I afford health insurance?" and more importantly: "Can I afford to be without it?"
You have to determine whether you are young if I really need the insurance. There are other types of insurance that gives you a discount on all your doctor and hospital bills.
Health insurance is not cheap but if you are over 35 years old, you probably should rethink whether you need individual or family health insurance coverage or is the discounted health insurance really right for you. One illness can put you in debt.
If you are an individual you might pay $400 getting the insurance privately but if you have a family you may pay $700+ each month just for an HMO. Can you afford that? Otherwise try and consider getting a job that pays for some of the insurance even if the salary is slightly less.
Insurance rates have gone sky high and it looks like there is no end to it. Just one incident can devastate your whole life savings.
If you are a single parent with a child, you will wind up paying the family rate which is unfair. If you are a college student, check with a college to see what their health insurance may cover. Otherwise, there are insurance companies that offer health insurance for college students.
This is not legal advice or any type of advice for you to get insurance or not. You need to research whether or not you can afford to be with or without the insurance.
You may reprint this article as long as you keep the links active
The Immorality Of Guarantee Issue Health Insurance
While there are genuine debates about whether privatized health insurance or nationalized health insurance policies make more sense, there can be little doubt that gua...(related: Insurance)
Keys To Controlling The Future Of Health Care
Several key changes are necessary to get control of the costs associated with the run away health care system in the United States.Here are just a few suggestions:1) Cost information about medical procedures and cost comparisons to alternative treatments need to be more easily available so that consumers can make better educated health care choices.2) Outcomes and outcome comparisons of alternative medical procedures need to be more ava...(related: Insurance)
What Should I Do About Billing Problems When Using Hsa Money?
If you run into a billing problem or misunderstanding with a hospital or doctor's office for which you're planning to use money from your Health Savings Account (HSA), you could be in trouble.This article will help you understand how hospital and doctor visits are different when paying with a Health Savings Account. Not better or worse, just different.If you have an HSA, you must have health insurance. It's a requirement. However, if you are using money from your HSA, it means that you haven't hit the deductible of your policy yet.In this particular situation, life is a bit different when it comes to resolving billing disputes with hospitals.Insurance companies have a comprehensive system for d...(related: Insurance)
Student Health Insurance - Is It Necessary?
As a young, healthy college student, it might be tempting to forgo the expense of health insurance. After all, you're young, you're careful and you're not sick. You don't real...(related: Insurance)
Should You Have Higher Deductibles On Your Coverage?
What is a deductible? A deductible is the amount you pay before your insurance carrier pays any claim. Insur...(related: Insurance)
What Is Pet Health Insurance?
Pet Health Insurance can give you the peace of mind that you are covered against unexpected vet bills. Having a pet can be a costly affair when you consider such expenses as food, vaccinations and checkups. But did you know that the cost of surgery can run into thousands of pounds? Would you be able to afford the vet's bill for major surgery should your pet fall ill or the cost of a claim against you if your dog runs out into the road causing a road traffic accident?One of the most distressing situations to arise is when a pet's problem is curable but the cost is too high for the owner to be able to afford, and consequently the animal has to be put to sleep. A less serious situation is when the owner has to opt for the less than best treatment due to money constraints. Obviously wi...(related: Insurance)
The Many Benefits Of Travel Protection Plans
Many people purchase insurance thinking I want full coverage and once I get it I will be covered for every event that may befall my vehicle. But then they begin to question if every type of incident is covered with full coverage. Some events that people question if they are covered for are: if my car breaks down what about towing costs or if I need a rental car does the insur...(related: Insurance)
We Dont Need Another Broker: How To Get The Best Liability Insurance Rates Available
Some business relationships are forged through blood and friendship. When you work for a company whose owner has a brother, sister, or best f...(related: Insurance)