Sunday, August 23, 2009

Health Insurance Is Very Necessary

By Celia Richard

No matter where you go in a public place you will find people discussing health coverage. The cost for health care has skyrocketed making it very necessary for each person to have some sort of health insurance.

Have you ever inquired how much it costs for a regular office visit with your family doctor if you do not have any health insurance? Depending on what that particular office charges, you could find yourself paying anywhere from forty five dollars clear up to or above one hundred dollars.

Many times a physician's office will offer a reduced price for the office visits and procedures to the insurance company if they will send their policy holders to their office for services. When you have no insurance the physicians' offices do not give the same discount to you and you may end up paying more.

Some medical conditions require the attention of a doctor that is a specialist. In this case the office visit charges and the charges for any necessary procedures will cost you a large amount if you do not have health coverage.

Cheap health insurance is available and in most cases you can get it without a health questionnaire. If you are unemployed you can purchase your own health coverage at a low and reasonable price.

If you have children, you know how much they tend to visit the doctors offices. In the beginning it is healthy child visits to update the immunizations and track that their growth is on schedule.

As the children get older they will be required by most schools to get an annual checkup. At these visits, they will get their sight tested and their ability to hear tested. This along with a physical exam should be expected before each school year.

If your child is very active and begins to participate in school sporting activities you will have to take them for a sports physical before the start of the sporting season. You may even need student insurance for the children as they go off to college.

When considering which health insurance plan is best for you, consider all of the options involved. Some insurance companies will offer you cheap insurance but the policy comes with a high deductible.

A deductible is an amount that must be paid out of pocket before the insurance will begin to cover any expenses. If you do not go to the doctor much, it may be cheaper just to pay the occasional office fees than to pay the monthly premiums.

Even with a high deductible, if you have medical conditions that require you to visit specialist or have high priced treatments, the plan may still be beneficial to you. It is also good if an unforeseen health issue arises and you have to spend some time in the hospital.

When you consider how much just one night in the hospital will cost to someone without insurance, the deductible will not seem as bad. Just one night can cost thousands of dollars and the insurance plan could help to pay these medical bills after you have paid the deductible.

To give your family and you some peace of mind, consider purchasing a health insurance policy. If you are in need of student insurance or just want to find cheap health insurance, you can definitely find a policy that is right for you.

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