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Individual Health Insurance
Important New Information:
Highlights of Insurance Reform Time-Line
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Many families in the New Orleans and Metairie area think they are financially secure and that they have more than enough financial resources to rely on in times of trouble. The fact is, most of these families have sorely underestimated the cost of medical care in Metairie and the Metro region. Because they think that health insurance is unnecessary, they continue to ignore all offers of health insurance education, which would surely change their perspective on the need for health insurance. First, let's take a look at the different types of health insurance.
· Health insurance is meant to manage the risk of different types of accidents or illness that may occur in a person's lifetime. For instance, minor accidents that may require a visit to an emergency room or doctor’s office are covered by Personal Accident plans. Minor illnesses that require a hospital stay of only a few days can be covered by a Supplemental Hospital Reimbursement plan.
· Major, chronic conditions, such as cancer, diabetes, and heart disease, can be physically and financially disastrous for a family. Treatments are lengthy and expensive, and the disease often makes employment impossible, further straining the family budget. Although we all would like to think that these kinds of illnesses only happen to somebody else, the fact is that more than 1,500,000 new cancer cases were diagnosed in the US in 2008, and more than 24 million individuals (8% of the population) have diabetes.
· According to the American Cancer Society a lack of health insurance prevents many Americans from receiving optimal health care. Lack of health insurance also is an important barrier to cancer prevention and early detection; some patients struggling to pay for their cancer treatment could have prevented their cancers altogether or been diagnosed at an earlier stage if they had better access to health care.
So don't wait until it's too late before looking into health insurance. Remember, health insurance, like all other forms of insurances, is about risk management. You have to manage that risk, no matter how small it is because you can never deny the fact that it exists. If you feel a strong resistance towards having to pay for an additional expense, perhaps it'll be reassuring to you to let you know that there are very affordable health policies that cost just a few dollars a month. You may start off with the smallest policy, wait a few months, and if you feel more comfortable, take on a bigger policy later on.
The important thing is, never leave your back uncovered and your finances exposed. Remember to cover yourself with health insurance, no matter how small the policy may be.
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