Medical insurance is something that everyone must have. Without it, if people were to become injured or sick, they may not have the money for various medical expenses, which over time can really add up. It is easy to get the insurance coverage you need, and depending on what insurance products you decide to purchase, your rates do not have to be all that expensive. Just think about it this way: you can either pay a few dollars a month now to have the medical insurance you need or you can pay a whole lot more later on if you are sick or injured and you did not bother getting insurance. It's up to you, but in the long run, it really is worth it to spend that little bit of money every month.
Why Everyone Should Have Health Coverage
No one ever plans on getting sick or becoming injured, but these things do happen, and without the proper medical insurance coverage in place, these problems can cost a lot of money. For instance, what would happen if you were to fall and hurt your ankle? You would have to visit a clinic or the emergency room, and at the very least, you would have to get x-rays. If it turns out that your ankle is broken, then you will need to have it set in a cast. Each one of these costs is high, and when you add them all up, they can cost a pretty penny. Without insurance, you will have to pay for these costs yourself, and if you are lucky, you will be able to afford it without having to get financing of some sort. Some of the things that will be covered by your insurance include:
- Checkups – Every member of your family needs to see the doctor at least once a year to make sure that they are in tip-top health, and these visits can get expensive, especially if you have a few children. Your insurance will cover a portion or all (depending on the policy you choose) of the cost of these visits.
- Diagnostic Testing – There may come a time when you or one of your dependents has a health issue and will need to have some diagnostic testing. Again, this can get expensive, but with insurance, you don't have to worry about having to pay for all of the costs yourself.
- Emergency Room Visits – If you or one of your dependents has to visit the emergency room for any reason, the visit will be covered by your insurance. Depending on the type of policy you have, you may be required to pay a certain percentage of the costs.
- Hospital Stays – This is something that can get really expensive, especially if an extended hospital stay is required. You can have this covered with insurance, and you may only have to pay a small portion, so finances are not going to be your number one worry when you have other things to worry about that are much more important.
Health Insurance and Pregnancy
If you are planning on becoming pregnant, it is important that you make sure that you have enough medical insurance in place before you conceive. If you try to get the insurance after becoming pregnant, chances are that you are not going to be able to get the coverage you need because the insurance company knows that they are going to have to pay off on insurance claims, something that they would really rather not do. Insurance is coverage for things that happen in the future, and pregnancy is often considered to be a preexisting condition. You can easily take care of this problem by making sure that you have your insurance coverage in place long before you start trying to have a baby, or at least as soon as you start trying, so that you will have no problems getting it.
With all this being said, it is still possible to get health insurance when you are pregnant. Sadly, too many Americans are uninsured or underinsured, and about 13% of all women who become pregnant in the United States do not have the coverage to get the prenatal care they require. Prenatal care is expensive enough, and when you add that to the thousands of dollars it can cost just for delivery, having a baby costs a lot of money. Luckily, there are some government programs out there to help some women. Medicaid is one that will help, but not all women are eligible for this financial aid. Other programs that are available include:
- WIC - Women, Infants and Children (WIC) is a federal agency that helps low income women, as well as infants and children under the age of five years old. This agency provides women with the healthy food they need for themselves and their children, as well as health care referrals.
- AmeriPlan - There are also health care discount programs that provide members with discounts on their health care. So, even if they do not have medical insurance, they may still be able to afford medical expenses from pregnancy by making the bills a lot lower and easier to manage. One plan to look into is AmeriPlan, which can save pregnant women as much as 50% of their medical expenses.
- Other Plans – You can go online to see what other type of financial aid and other help is available to pregnant women. You can also ask your health care provider or talk to a worker at a local health clinic, who will also be able to provide you with the information you need, or at least be able to direct you to a person or website that can provide that information. Better yet, make sure that you have insurance before getting pregnant, and you won't have to worry about needing financial aid in the first place.
When you are pregnant, there are a lot of medical expenses involved, and having insurance is going to take care of a good portion of these expenses. If you are employed, it is a good idea to find out if your benefits cover pregnancy. You will probably want to take maternity leave, which your employer may cover if they offer health benefits or you will have to apply for special maternity employment insurance. If you have insurance coverage, it may also cover the cost of some of the time you will be missing from work during the first few months of your baby's life.
It is always a good idea to make sure that you plan for the future, and it may be that children are going to be a part of your future. Make sure that before you start having children, you have adequate insurance to make sure that you will be able to get all of the prenatal care you will need, and that other expenses, including delivery and hospital stays, will be covered. You have enough to worry about when you are pregnant, and the last thing you need to have on your mind is how you are going to pay for it.
Getting Insurance Quotes
It is really easy to get quotes for medical insurance, and it doesn't take a whole lot of time either. You don't have to make any appointments to visit insurance companies, and you do not even need to speak with any insurance company representatives on the telephone, unless of course you really want to do this. You can save a lot of time and effort by simply going online and requesting free quotes. It just takes about two or three minutes to answer a few simple questions (which are geared to find out what you need and where you live, which may affect your insurance rates).
Once you answer the questions, you can sit back and relax while the system takes care of the rest of the work for you. In a few short minutes, you will have a number of quotes from various insurance companies. Then, you can sit back and compare the various medical insurance products and rates and see which insurance company is going to offer you what you need at a price you can afford. Then, and only then, will you have to talk to an agent in order to set up your policy. Actually, you can even do that online, so you never have to bother going to insurance companies when you really don't have the time.
Don't wait until it is too late to get the medical insurance coverage that you and your family need. You never know what can happen, and it is important that you are always prepared. This way, when you or one of your insured immediate family members does get sick or injured, all you have to worry about is getting better, or helping them get better, and not how you are going to be able to afford all of the medical bills, and maybe even time missed from work if it is you that is sick or injured.