Most people in their twenties believe that there is no need for them to get health insurance. Healthcare seems to concern only those who are not so healthy and therefore those who pay doctors regular visits. It also seems that when you are not one of these people, it would be better to pay for things as you go instead of troubling yourself with insurance premiums and co-payments.
Healthcare providers would tell you that such reasoning is faulty. Whether you are completely feeling fine, or have medical issues, it is always essential to carry some form of health insurance. Here are the reasons why:
Small things can grow into something more serious. It is common behavior for uninsured people to skip getting treated for minor ailments. They consider applying treatments themselves. Healthcare services from professionals are barely considered. There is a potential risk involved in this practice because you can never know what is wrong with you. And things could get worse, which then becomes more expensive to cure.
Prevention is always better than cure. Most think that health insurance works to financially help when you undergo treatment for serious medical conditions. Well, it does work for that but not entirely. Preventive medication and quick treatments are the best ways to avoid long hospital stays. Having insurance, you will not worry too much about these.
More than that, if you do not have medical insurance the moment you are diagnosed with a certain illness, you could have difficulties applying for one given your condition. That's why it is always safer to carry one since sickness can strike anyone at anytime.
Accidents are around every corner. You can never predict what happens next. Healthcare insurance is important because without it, you could face a crippling amount of medical debt when you meet and accident. Remember that medical emergencies are very expensive.
Therefore, you should at least have a high deductible insurance plan, and set up a health savings account with it. They are less costly compared to other plans. You will pay for your medical bills until you hit the deductible. It's easier to pay $5,000.00 in medical bills as opposed to $50,000.00.
Healthcare insurance is not a luxury but a necessity; that is of course if you give priority to your health and life. You can always look for a low cost insurance. And you should do that before you purchase things that you can actually live without.
Author Resource:
If you are having trouble choosing the right type of medical insurance, then, log on to Insurancecaredirect. Here you will find information on all aspects of health insurance including low cost health insurance options.
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