Health Insurance - Your Back-Up Plan During Distressing Times

By: lynter
Hunting for an affordable health insurance as soon as possible is one of the first things you should do. It is more important than you think. Having a health insurance pays when you are sick and you know you have something as a back up. Without a good health coverage plan the bills will pile up and make you even sicker!

Not having a health insurance can, in the worst of cases, be a cause of death, as the treatments you require for your illness may be too expensive for you to cover. And a life threatening crisis - if late is too late.

Let me tell you a real life incident of a friend of mine, which made me realize the importance of having a health coverage plan. I am sure it will help those people avoid the mistake he did. My friend who was in his twenties never believed in the concept of getting an affordable health plan. He thought he was too young to be besieged by any sort of health problem - till he was diagnosed with a rare cancer.

Now illnesses such as cancer require expensive treatments. If he was covered under an affordable health insurance, it would have helped him undergo sufficient treatment. But now without a proper health plan, this was impossible.

If only he had realized this earlier. His loved ones did provide financial assistance and even raised money from fund raising, but even that didn't help him. The terrible part is that that when you become sick, you come under what is called a prior condition, which means that insurance companies do not cover you because you are already sick. I hope this is an eye-opener for all of us.

However, a piece of advice for those looking out for a health coverage plan. Be thorough in your search for affordable health insurance and don't give up until you find the right one. The most affordable health insurance programs are extended by employers. This is because they get discounted rates for buying their health care in bulk.

For those who are self-employed, getting affordable health insurance can be difficult. You will have to shell out a lot of money for the coverage that you can find. An alternative to escape this is to club together a few self-employed people and purchase a group rate plan in the same way as most businesses do. But this can prove to be a tedious task. Whatever approach you take make sure that you are covered under some affordable insurance plan so that you are prepared for any worst case scenarios.

Summary:

Hunting for affordable health insurance as soon as possible is one of the first things you should do. It is more important than you think. Having an insurance coverage pays when you are sick and you know you have something as a back up. Without a good health coverage plan the bills will pile up and make you even sicker!
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