Why Is Health Insurance Important?
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Peter Kenny
Apr 22, 2013, 5:30:02 AM4/22/13
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Article Title: Why Is Health Insurance Important?
Author: Peter Kenny
Word Count: 526
Article URL: http://www.isnare.com/?aid=201989&ca=Finances
Format: 64cpl
Contact The Author: http://www.isnare.com/eta.php?aid=201989
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It has been said that nothing is more important than your health, and there is a lot of truth to that saying. Among other things, a loss of health can mean a loss of earnings if you are not able to work, and it can also mean medical bills that are extremely expensive. Health insurance can help you avoid some of those costs and it can also help individuals to lead more healthy lives by paying for preventive measures such as regular check ups and immunizations to name just two.
There are several means by which an individual can get health insurance. A person may pay for his or her own insurance. A person may receive health insurance as part of an employment package. A person may receive health insurance through local or Federal programs.
In many instances, there can be a combining of the premiums paid. What that means is that, for example, an employer might pay a certain amount of the medical insurance premium and the employee pays the remainder of the premium, usually through payroll deduction. In other cases, an employer or government entity may pay the full amount of the premium.
As with all types of insurance, health insurance comes in many forms and is available at differing levels of coverage. The best case scenario would be if an employer paid the full amount of the monthly premiums and there were no co-pays or deductibles charged to the patient. This type of coverage is rare, however, unless you are extremely well placed in a company or you are living below the poverty line.
Most consumers will be in a co-pay system of health insurance wherein they are responsible for a certain amount of the bill and the insurance company will pay the rest. As you might imagine, there are many different levels of coverage in these arrangements as well.
Normally, the more money the patient is required to pay from his own pocket at the time of the medical services, the less the monthly premiums will be. For those individuals who are relatively healthy and have a reasonable income this might be the best option for health insurance. For those with a limited income or for those who have health problems this can be a difficult option to live with as the co-pay or deductible of each medical visit will need to be paid for out-of-pocket by the patient.
The importance of having health insurance should not be dismissed or underestimated. Rising medical costs can wipe out a lifetime of savings with just one major medical event. Even the most routine of surgeries can cost tens-of-thousands of dollars, and more sophisticated procedures can easily run into the hundreds-of-thousands of dollars. Health insurance can help pay those skyrocketing cost and help save you from financial ruin.
Before selecting a health program to participate in you should read the contract carefully and understand all of the terms and conditions that are in it. If you are unsure about any of them, ask your employer or the insurance representative for clarification.
About The Author: Peter Kenny is a writer for The Thrifty Scot, please visit us at http://www.thriftyscot.co.uk/Insurance/ and http://www.thriftyscot.com/health-insurance/
Please use the HTML version of this article at:
http://www.isnare.com/html.php?aid=201989
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Message delivered directly to members of the group:
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*****************************************************************
Please consider this free-reprint article written by:
Peter Kenny
*****************************
IMPORTANT - Publication/Reprint Terms
- You have permission to publish this article electronically in free-only publications such as a website or an ezine as long as the bylines are included.
- You are not allowed to use this article for commercial purposes. The article should only be reprinted in a publicly accessible website and not in a members-only commercial site.
- You are not allowed to post/reprint this article in any sites/publications that contains or supports hate, violence, porn and warez or any indecent and illegal sites/publications.
- You are not allowed to use this article in UCE (Unsolicited Commercial Email) or SPAM. This article MUST be distributed in an opt-in email list only.
- If you distribute this article in an ezine or newsletter, we ask that you send a copy of the newsletter or ezine that contains the article to http://www.isnare.com/eta.php?aid=201989
- If you post this article in a website/forum/blog, ALL links MUST be set to hyperlinks and we ask that you send a copy of the URL where the article is posted to http://www.isnare.com/eta.php?aid=201989
- We request that you ask permission from the author if you want to publish this article in print.
The role of iSnare.com is only to distribute this article as part of its Article Distribution feature ( http://www.isnare.com/distribution.php ). iSnare.com does NOT own this article, please respect the author's copyright and this publication/reprint terms. If you do not agree to any of these terms, please do not reprint or publish this article.
*****************************
Article Title: Why Is Health Insurance Important?
Author: Peter Kenny
Word Count: 526
Article URL: http://www.isnare.com/?aid=201989&ca=Finances
Format: 64cpl
Contact The Author: http://www.isnare.com/eta.php?aid=201989
Easy Publish Tool: http://www.isnare.com/html.php?aid=201989
*********************** ARTICLE START ***********************
It has been said that nothing is more important than your health, and there is a lot of truth to that saying. Among other things, a loss of health can mean a loss of earnings if you are not able to work, and it can also mean medical bills that are extremely expensive. Health insurance can help you avoid some of those costs and it can also help individuals to lead more healthy lives by paying for preventive measures such as regular check ups and immunizations to name just two.
There are several means by which an individual can get health insurance. A person may pay for his or her own insurance. A person may receive health insurance as part of an employment package. A person may receive health insurance through local or Federal programs.
In many instances, there can be a combining of the premiums paid. What that means is that, for example, an employer might pay a certain amount of the medical insurance premium and the employee pays the remainder of the premium, usually through payroll deduction. In other cases, an employer or government entity may pay the full amount of the premium.
As with all types of insurance, health insurance comes in many forms and is available at differing levels of coverage. The best case scenario would be if an employer paid the full amount of the monthly premiums and there were no co-pays or deductibles charged to the patient. This type of coverage is rare, however, unless you are extremely well placed in a company or you are living below the poverty line.
Most consumers will be in a co-pay system of health insurance wherein they are responsible for a certain amount of the bill and the insurance company will pay the rest. As you might imagine, there are many different levels of coverage in these arrangements as well.
Normally, the more money the patient is required to pay from his own pocket at the time of the medical services, the less the monthly premiums will be. For those individuals who are relatively healthy and have a reasonable income this might be the best option for health insurance. For those with a limited income or for those who have health problems this can be a difficult option to live with as the co-pay or deductible of each medical visit will need to be paid for out-of-pocket by the patient.
The importance of having health insurance should not be dismissed or underestimated. Rising medical costs can wipe out a lifetime of savings with just one major medical event. Even the most routine of surgeries can cost tens-of-thousands of dollars, and more sophisticated procedures can easily run into the hundreds-of-thousands of dollars. Health insurance can help pay those skyrocketing cost and help save you from financial ruin.
Before selecting a health program to participate in you should read the contract carefully and understand all of the terms and conditions that are in it. If you are unsure about any of them, ask your employer or the insurance representative for clarification.
About The Author: Peter Kenny is a writer for The Thrifty Scot, please visit us at http://www.thriftyscot.co.uk/Insurance/ and http://www.thriftyscot.com/health-insurance/
Please use the HTML version of this article at:
http://www.isnare.com/html.php?aid=201989
*********************** ARTICLE END ***********************
- To distribute your articles go to http://www.isnare.com/distribution.php
- For more free-reprint articles go to http://www.isnare.com
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