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If You Do Not Have Health Insurance Because You Cannot Afford It We Have A Surprise For You.
Health insurance is a complicated subject and an increasing number of people believe that it is just another thing that is too expensive to contemplate. But, you might be surprised to find that it does not have to cost as much as you might think to purchase yourself a bit of peace of mind.
An amazing one in five adult Americans say that they are not able to afford acceptable health care according to the latest figures released by the CDC (Centers for Disease Control). So, are you amongst the 40 million adults who cannot sleep soundly because of the fear of being unable to afford the cost of medical treatment should you have an illness or accident? Perhaps more to the point, do you have to be amongst the 40 million?
The CDC report which was released in 2007 and explored health care around the US looked in depth at a number of aspects of health care and revealed that:
1. 10% of people are presently not able to meet the cost of prescription medicines.
2. 10% of people put off having medical treatment as a result of the cost.
3. As many as nearly one out of three young people between 18 and 24 have no usual source of medical treatment or health care insurance.
4. 10% of people aged between 45 and 64 have no usual source of medical treatment and about half of these people are suffering from high blood pressure, major heart conditions or diabetes.
5. 20% of individuals below the age of 65 are not insured for at least a portion of every year, with most having no insurance throughout the 12 month period.
Many people are fortunate enough to get health cover through schemes operated by their employer, however escalating costs are forcing many employers to reduce their group health plans or to do away with them altogether. However, there are also many millions of people who are not eligible for cover under their employment and who need to arrange their own health cover. It is for this latter group that health care insurance is generally considered to be simply too costly.
But are you right to dismiss the idea of getting health insurance out of hand merely because you consider that it is too expensive? Health insurance comes in all shapes and sizes and, despite the fact that a traditional indemnity plan can be expensive, there are many less expensive options.
Put simply, medical insurance plans fall into roughly two categories comprising disability income policies and medical expense policies. The former compensates you for your lost income if you are unable to work because of disability and the latter provides you with cover for the cost of medical treatment as the result of injury or accident.
Each of these forms of medical insurance can be written as an individual policy or separately and individual plans can again be broken down to provide cover for specific areas such as accident coverage, hospital care, basic medical expenses, major medical expenses and more.
Furthermore, cover today can be provided by not only traditional insurers, but also by numerous group organizations, companies such as Blue Cross Blue Shield, HMOs and PPOs, each of which can offer a wide range of plans with payment options to match virtually every wallet.
If you are frightened off by the thought that you cannot afford to buy health insurance then think again. You may not be in a position to buy a fully comprehensive policy covering every possible eventuality but the odds are that you will be able to discover a policy which will give you enough coverage to allow you peace of mind.
Find out the facts and get professional advice and a free quote on everything from affordable health insurance to short term health insurance at MedicalHealthInsuranceToday.com
| By Donald Saunders Published: 2/7/2008 |
*Click Here To Compare Multiple Quotes And Get The Best Health Insurance Quotes!*
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This post was written by admin on March 3, 2009
