Why Buy health care Insurance?

Today many believe that medical Insurance is too expensive to consider. Some may think that their health bills will always be low or reasonable. They may think that their car Coverage can cover their medical care or that they can be treated even when they don't own Cover.

Your medical care history is a good predictor of whether or not you will have health problems in the near future. When you've always been healthy, you've got a better chance of not needing healthcare in the next year when compared to an insured person who has a history of being sick all the time.

However, many people who have diabetes, high blood pressure or even heart attacks had unblemished health care histories for decades. Then they got sick and maybe stayed ill or even died.

Your good healthcare history isn't a very good predictor of future injury. Anybody can trip over a child's toy and fall down a flight of stairs or have an accident when exercising.

Will Your Car Insurance Policy Pay Your health expenses?

Your car Insurance policy offers limited Coverage for your health bills. Your automobile Insurance policy may pay for the medical expenses of those you might injure in an accident. Since you can't hold yourself legally liable for your own medical care expenses, this Cover is restricted when it comes to your medical care bills. Even policies with "no fault" insurance typically limit this Assurance to a few thousand dollars per crash.

Can Your Job's Insurance Cover You?

when you are hurt on the job, there is a good chance that your employer's workmen's compensation or liability Insurance will pay your healthcare expenses. But it is the rare disease or sicknesses that will be covered by an job's liability policy.

Of course if your employer provides healthcare Insurance for you, many more situations are likely to be covered.

Will A Hospital Treat You Even when You possess No insurance?

In many scenarios you can get treatment from a hospital whether or not you possess healthcare Coverage. There are major drawbacks. One is the limit on the treatment and another is the potential destruction of your credit.

Most hospitals will treat uninsured patients who walk through their doors in the aftermath of heart attack. Most hospitals will treat those who are in need of immediate medical care in emergency situations. However, once the crisis is over, they are likely to stop treatment unless you can pay for it.

If a hospital does treat you when you don’t possess health Assurance the medical care won't be free. You will be billed and if you can't pay for your treatment, the event and its cost might hang over your head like a dark cloud for years and years.

Can The Government Pay Your health expenses?

In some cases Social Security or Medicaid will cover your healthcare expenses. However few people qualify. Only specific health issues qualify for payments from Social Security. Medicaid only covers those who possess very low assets and income.

An auto Cover plan or some other liability policy or a government program may pay for your medical costs in some scenarios. However, only a good healthcare assurance plan will give your family the feeling of safety of knowing a disease or crash won't destroy your credit.