Here is Why You Should Get Health Insurance

                                                                                       

May is a time of recognition of several health issues such as:  Family Wellness Month, Skin Cancer Awareness Month, National Physical Fitness and Sports Month, American Stroke Month, Hepatitis Awareness Month, Mental Health Month, Lyme Disease Month, National Arthritis Awareness Month, National Osteoporosis Awareness Month, National High Blood Pressure Education Month,

Lupus Awareness Month, and National Asthma and Allergy Awareness Month.

Now is a great time to get health insurance or review your current policies even if you missed the Affordable Care Act deadline. You can still get private health insurance from companies such as einsurance.com or ehealthinsurance.com. There are several types of health insurance available: standard health insurance, dental insurance, vision insurance, short-term disability, long-term disability, accident insurance, long-term care insurance, critical care insurance, cancer and disease specific insurance and more.

Health insurance is needed if you develop a health condition; need to go to the emergency room or for preventive health care services.   When a patient has health insurance there is a set limit that hospitals, doctors and other medical professionals can charge for services.  Without medical insurance, a patient can be charged whatever fee the doctor or hospital chooses for services and in some cases may be charged multiple times for the same services. 

Disability insurance is used if you have a short-term or long-term medical condition that prevents you from working and ensures that you still continue to receive a paycheck, usually at least 60% of your salary.

Get a free analysis of your health existing coverage to see if you have the right amount of coverage and services required for you and your family.  When buying health insurance it is best to comparison shop. Get at least three price quotes from companies and the select the one that best meets your needs.  You can contact the Better Business Bureau or search their website for companies and view their reliability report. You may not see the immediate benefit of buying health insurance now but in the long run you will be glad you did. Buying health insurance will:

1. Save you money in the future
2. Reduce medical debt and expenses
3. Provide discounts and reduced rates on medical services
4. Provide reduced rates on other policies such as life insurance