Most of us just take our good health for granted, and don’t particularly look after ourselves properly. We abuse our bodies and minds by eating unhealthily, not exercising enough and smoking or drinking, so it’s surprising we don’t get sick more often.
It’s important you look after yourself and part of ensuring you can is to take out a health insurance that covers against any eventuality. As well as then being able to afford the best medical treatment, you also protect against getting into debt and even bankruptcy. Although health insurance can seem like a lot of money to pay out time after time, and you don’t see anything for it, just search online and you’ll find some great deals available that might eventually save your life.
In America everyone should have some form of private health insurance which covers the cost of medical treatment as a result of an illness or should you get hurt in an accident. It means your treatment is paid for in return for a premium monthly depending on the level of cover that you need. The main advantage is that you receive treatment straight away and don’t have to wait around for appointments, also you can relax knowing that if treatment is necessary, as long as you have the deductible amount tucked away somewhere safe you won’t be faced with big bills and having to rush around trying to get money to pay doctors fees and hospital bills. Even something routine such as a scan can take a big chunk out of your budget so having insurance makes sense and is a lot more affordable when paid on a monthly basis.
The level of cover you receive depends on how much you can afford to pay each month and exactly what you want it to protect against. Policies can be designed to cover only serious treatments and surgery, or for something like physiotherapy and acupuncture. Some policies will protect against everything but you would pay a high premium for this level of cover, the amount you pay over the year also takes into account your age and current health status.
If you have an illness or health issue before taking out insurance then you’ll find it a lot more difficult to get private insurance. Most companies will want details about your present and previous medical history and you might even have to supply documents to show past treatment.
There are plenty of companies offering insurance, both online and offline. You can save a lot of money by taking the time to look around for the best deal for you and your family. Although you may be loathe to pay for insurance claiming you are healthy and fit, it’s better to be safe than sorry. Search online and you should find a cover that suits, compare catastrophic health insurance rates and plans prior to picking a policy that works for you.
Get a few quotes on a catastrophic health insurance policy from the internet as they are convenient and quick, don’t be afraid to ask questions if you’re unsure about anything or want an issue clarified. A minimum of 3-5 quotes will give you a good price range to choose from, make sure you ask basic questions such as how much the deductible is, what are the monthly premiums, and how much coverage do you need?
It’s important to calculate your monthly expenses so then you’re clear on whether you can actually afford to pay for doctors’ visits and prescriptions yourself. If you feel your family is healthy and visits to the doctor are infrequent then a catastrophic health plan could be just what you’re looking for to save money in the long run.