Benefits Of A Valid Health Insurance Policy

There are many Americans having to deal with the realities of no health insurance

coverage and for the most part stuck with paying for their own health care from broke pockets and smaller paychecks. This doesn't raise much concerns if it is only required for an occasional office visit or a random prescription, but with the continued skyrocketing cost of health care how could anyone unemployed or under employed be expected to keep up such a financial pace on their own.

But why should anyone be worried if the hospital will extend credit to them. If you are paying the entire bill, regardless of the charges, you most likely will have to pay for it all, mostly because you don't have a health insurance company in your corner to help contest and lower or eliminate some of the unreasonable charges that will show up. This is a role that health insurance companies have gotten very good at playing and there have been cases where the insurance companies have flat out refused to pay because the charges are grossly inflated and unacceptable.

Having health insurance does mean that you will be seen at pretty much any medical facility and will not be denied care, even though this is a slippery slope because sometimes even though you are not actually being denied care you may find that your health insurance company may refuse you the ability to receive certain levels of care based on their criteria. In other words, while your health insurance does ensure that you will be seen it doesn't mean that you will receive coverage.

Health insurance is a real lifesaver for many people. The protection of your finances and all your life's accomplishments won't take a devastating hit if you have health insurance. It is not uncommon for some cancer treatments to hit the $12,000 session mark and there are treatments and procedures that go much higher if the payments are coming out of the person's own pocket. A very common sad reality fact that some people without health insurance are forced to face is medical bills that extend beyond their comprehension and no hope in ever being able to pay them off, plus the reality of having everything they have spend a lifetime accumulating jeopardized from just one of these scenarios.

A serious health crisis will cause major concerns, but even this can be magnified to out of control levels if the person is facing the loss of everything they have worked for all their lives and the end result is being broke and still facing massive medical debt. This can be easily avoided by keeping a health insurance policy valid and active for yourself and your family members at all times.

by: Ethan Kalvin

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