Get a free health insurance quote: In today’s world, we all need a little bit of health insurance to help us avoid those massive health bills that tend to stack up. Health insurance can take those huge bills and make them just one small bill that is due at every doctor’s or hospital visit, rather than a huge bill that leaves many people in terrible, crippling debt. Your life savings can be wiped out by one illness.
I recently had an emergency room visit at 2:30 in the morning. No, the wait wasn’t long like you read about in the newspapers; I guess I was there at a time when they were not particularly busy. I received good care. The care I received was efficient, thorough and totally needed. But I had a good solid health insurance plan in place that helped me weather the bills that flooded in afterwards.
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The bills that came in the mail afterwards were unbelievable. I was in the emergency room for approximately four hours, and after the final bill came its total was well over $12,000.00. Because I was a woman with severe dizziness, I had to be tested for a heart attack, brain tumor, stroke or pneumonia. First, they took blood to rule out a heart attack, while I was attached to EKG wires. Secondly, they took a chest X-ray with a portable x-ray machine. I was doped up, but I remember being told afterwards that they had taken me for a CT scan of my head so I guess they did it. My husband tells me they took me away and we have a CD of the brain scan, so I just don’t remember it.
Yes, they took great care of me, checking for all the things that were likely to be wrong with me in a limited amount of time. But that was a huge bill. I am lucky. I have a good medical insurance plan that covers me almost completely. I still had to pay some, my share of a co-pay, but I came out of it a lot better financially simply because I had health insurance.
I have an annual deductible that has to be met before my insurance goes into effect each year. This deductible, for me, is not too high. But sometimes it works out better for some people to have a higher deductible up front before your insurance goes into effect. This might not be too appealing to a lot of people, but for others it works out fine. I have noticed that the younger the people are, most are lucky enough to be on the healthy side; therefore, a larger deductible might benefit them. But, not too many years ago a friend of ours, Dana, was 31 years old. She was diagnosed with the aggressive form of breast cancer. Dana had two little children and a husband. In her case, she had a large deductible up front, but once that deductible was met, Dana was covered almost 100 percent by her medical insurance. Dana and her family went through a devastating time. They juggled chemotherapy and radiation appointments around driving the kids to school and doing all the other things necessary to take care of the children. As time passed though, she and her family was left intact financially.
For others, a smaller deductible works out better for that family. You pay the required deductible over the first few months of the new year, and then the insurance kicks in to partially cover your doctor’s appointments, hospital visits, surgeries. You always have a co-pay, unless you fall in the elderly range and are covered by Medicare and then have supplemental health insurance coverage. Those people are fortunate in that they have virtually no co-pay at all. But most of us are not old enough to be retired and have Medicare as our primary health insurance company and then a good supplemental health insurance company to help cover the co-pay. We have to make do with the health insurance that we can afford and that will keep our families as safe as possible.
While we don’t know what is going to happen to us in the future, many people believe that health insurance is not necessary, because they are as healthy as a horse now. Truth is, we just do not know, and it is better to be prepared than to not be and to have another hospital or doctor bill added to the credit report. There are steps you can take to prevent yourself from getting in over your head because of medical bills.
Health insurance is very common. Many places are now making it mandatory for car insurance to be in place on every person who owns a vehicle. That, to me, makes sense. Don’t wait, though, to be forced by someone to purchase your own health insurance.
While many people are certain that they cannot afford even the co-pay that comes from insurance companies, there are companies out there who are willing to work with their customers to provide them a way to make everything work out okay in the end and finding a quote is very simple and free.
You can find a simple and free quote just by using the internet. You shouldn’t have to pay top dollars or even change to find out how much you would pay for health insurance. Any company who wants you as their customer should never ask for money when you want a quote. Quotes give you a financial number, a cost; they give you an estimate to see just how much you would pay monthly or over the course of a period of time if you had health insurance. Many insurance companies even have packages that are built for individuals seeking something that will fit a particular price range. This alone can save you time and money by being able to click on one of these packages.
There are practically thousands of insurance carriers out there, some carriers are certainly more expensive than others and are more renowned than others. Getting a free health insurance is very easy to do and it is so quick. From there, you can go ahead and buy a policy, if you prefer to.
While health insurance remains expensive, it also remains almost necessary. Hop online and get your free health insurance quote today. You might just find that it was the smartest thing you could do.