WHY DO YOU NEED HEALTH INSURANCE?
If you are not covered by any group or work related health insurance, then you are gambling with your future. Without proper insurance you will be out thousands of dollars for even the most minor ailment. A major illness could cost hundreds of thousands of dollars. Many people have lost homes, savings and retirement funds because of no or under insured insurance. We all think that will never happen to us! Even the healthiest people get sick sometime during their lifetime. How about you? Would you prefer to pay a small price now or pay through the nose later.
WHAT SHOULD BE IN THE POLICY?
1. International coverage-are you covered for non-emergency care?
2. Annual dollar limit you can afford out of pocket. Make sure your budget can handle your policy's annual maximum.
3. The ability to see specialists without a referral. If you or a family member has a serious or life threatening illness, you have quick access to treatment.
4. A large coverage limit for even the worst medical condition. Find a policy with no limits if possible. Ensure you have at least a maximum one million per claim or two million per lifetime.
5. No internal policy limits.
WHAT COVERAGE SHOULD I HAVE?
Your policy should have several coverages:
1. Physician expenses-office and hospital visits.
2. Hospital expenses-room,board and services while in hospital.
3. Surgical expenses-pays for all surgery related costs.
4. Major medical insurance-provides a very high maximum benefit to protect you against losses from major injuries or illness.
CHECK YOUR HEALTH INSURANCE POLICY
Some policies may include all or some of the following:
1. Vision
2. Maternity care.
3. Preventative care.
4. Mental health benefits.
5. Prescription drugs.
6 Dental coverage.
What if you or a loved one suffered from a serious illness? What if proper lifesaving treatment is denied because of lack of coverage?
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*Please note that this article is for information only. Always seek specific information from a licensed professional*