If you are an individual looking for health insurance, the best individual health insurance will be the plan that is customized to meet your needs. The best option would be a plan that is purchased as part of a group plan through an employer. These can be very cost efficient with numerous options, but not everyone is in the position where that is an alternative. For those who not, there are choices that are available through private insurance plan.
If your employer does not offer health insurance or you are self-employed, your only option may be to purchase your own medical coverage. Buying individual health insurance does not just have to cover you. If you want, it can also cover your spouse and children. Childhood injuries and illnesses can be very expensive without some type of medical insurance.
Many people toss around the idea that it is okay to go without seguro de Vida. After all, they are healthy and a little while won’t hurt. You should rethink that belief. Your life can change in the blink of an eye and that blink can cost you thousands of dollars. You never know when you will have an accident or are afflicted with an unexpected illness. You may not need insurance to cover your doctor’ visits or annual exams, but most of us would not be financial prepared for a five figure medical bill. This is the reason that medical insurance is so important.
It’s not very bright to not have health care coverage these days. You can get sick out of the blue and you never know when injuries can occur. Getting health insurance isn’t cheap and expenses can add up pretty quick.
It’s up to us to remind our senators that an overwhelming majority of Americans-83%-supports a public health medical insurance plans option,3 and that weak half-measures like the “co-op” plan are no substitute for real reform.
The deductible. The cost of the plan is only one part of what you will pay. The second is the deductible that you will pay. This amount can often be changed to a bit higher to lower your monthly payment. In any case, you will want to make sure that you can afford this payment before purchasing the insurance.
“A lot of people can accept PLHIVs these days. Because they realise that we are not very different from any one of them. If you go to see your doctor for your routine checkup, you can’t even recognise another PLHIV even when you know that this is the place where PLHIVs get their treatment,” he says.