Why Do You Need Medical Insurance?

By: Dan Sherman

Life can come at you fast. It's simply impossible to know what's around the corner. This is why we all have to take necessary precautions. In other words; do you have health insurance? Some people actually have no medical insurance whatsoever. This is completely absurd in the unpredictable world we live in. That random fall or dreadful car accident could happen today. Are you prepared to grapple with those hospital bills? The fact is, medical insurance is just an inevitability of life. You always want to have it just in case. If the time does arise when you need it, you will thank God you planned ahead.

I heard a story recently from an acquaintance of mine who has no medical insurance. She never expected to use such a thing. Sure, maybe dental on occasion, but never medical. I mean come on, the girl's only 23 years old. What could happen? Well, this is what happened. She manages a truck stop, and while conversing with an employee one night, a brute strolls in with a nasty temper. Before she knew it, the employee she was conversing with is being attacked by the brute. Now, when she decided to intervene and be the hero, she was stabbed in the shoulder. Wow, what a reality check. You try and do the right thing, and life smacks you in the face. Now comes the problem with having no medical insurance. After being hospitalized for a couple weeks, her medical bills are now around 30 grand. However, this is not the end of it. She still has to go through physical therapy; not to mention the mental anguish of almost dying. How much will the psychiatrist charge? The point is, you simply can't know what's in store for you. Life is so random for us all. I wanted to use this girl's recent story as an example because it's true. Sure it's sad, but still reality.

These days, no medical insurance equals trouble down the road. Even a minor hospitalization can set you back for a long while. The problem is that most of us don't believe that we will ever use it. Get rid of your fantasies and purchase a decent medical insurance plan today. Don't end up in the emergency room with no medical insurance. If nothing else, insurance offers you piece of mind. Although I have not used my medical insurance yet, I understand I may need it in the future. I choose to be prepared for what lies ahead.

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