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Personal health insurance |
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Written by Samantha White
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There’s no doubt that good health is every human being’s most valuable asset. When asked what people wish for most, the answer is often answer “good health”. For anyone who has been really ill or suffering ongoing pain, everything else in life pales into insignificance - your home, your car and your possessions mean nothing. They are all worthless if you don’t have good health. Money is important, but without your health, what good is it? Why then do we neglect our health so often? Medical bills are the cause of more than half of all personal bankruptcies in the United States. And even those who are extremely conscientious about their health can still be afflicted with diseases, or injured in freak accidents.
Americans in their twenties and early thirties are the least likely of any age group to have personal health insurance . When you are self-supporting and no longer covered by your parents’ health insurance, this extra expense may seem unnecessary to a young person. However, just because you’re young and healthy doesn’t mean you’re not at risk of illness or injury. Perhaps it’s time to change your mind and start making some inquiries about personal health insurance.
Doctor’s visits and prescription drugs are not the only reasons for personal health insurance. If you’re in an accident and need surgery, or specialized treatment, your health insurance will cover these expenses. Health insurance comes in a variety of types and, despite the fact that some plans are expensive. There are many less expensive options to choose from. You will find a policy that gives you adequate health insurance cover without being a burden on your pocket.
If you are single, young, fit and in good health, probably the best personal health insurance for you is a simple plan that covers you in the event or an accident or unexpected illness. For families however, the cover should include everyday medical care, i.e. visits to the doctor, dentist and medications. Most personal health plans come with comprehensive cover; this means that the insured person pays a monthly premium and the insurance company pays the costs of treatment, after deducting co-pay. Co-pay is the amount the insured person pays towards the medical expenses. |
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