Never go with out health insurance!
Posted on 04. Mar, 2009 by Jeff Cline in Medical Insurance
Too many people decide that when they are looking at a laspe in health insurance coverage that it is not a big issue. They think they are too healthy to worry about it. Or they think it is only a short lapse and nothing could possibly happen during that short time.
Nobody can predict when an unexpected accident or illness may ocur. That is why it is called “unexpected”. It is not something we can put on the calander or add to the budget. You are foolish if you think it is worth the risk to have a lapse in coverage. As an agent I have heard all the horrible aftemath of people who took the risk and lost.
I remember the story of one young man named John. John was a new graduate and no longer qualified for mom and dads plan. Instead of getting something temporary until he secured employer group insurance he thought it would be fine to wait it out. Twenty three days later John was in the hospital with a severe case of the flu.
John did not plan for this. He didn’t even imagine it could be expected. The fact is it happend. John received bill after bill. Labs, physician fee, hospital, medications and test. The total was close to $10000. It took him his 1st 6 years in his new career to pay back this expensive mistake.
And hoe about the story of Carmen. She had been lost her job and health benefits. She did not find it necessary to replace the benfits until she had the option of group benefits again. Three weeks later Carmen was rushed by abulance to the hospital because she had slipped on ice and hit her head.
Carmen was rushed to the hospital because she had hit her head so hard she was having adverse reactions. They spent 2 days testing and watching for signs of bleeding. The next day the released her to go home. The bills she received in the mail where huge. More then she could pay, her credit was tarnished!
If Carmen and John had taken out the short term policies meant to save you from financial hardship they could have avoided this. The financial safety net of short term health insurance is necessary to everyone. Insurance is for the unexpected and as you can so they do occur!
Short term health insurance plans are available by most health insurance companies. They are very affordable. They allow you to purchase health insurance that covers most major medical from 30 days to a year.
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