Crazy
4 Health Sponsors:
|
|||
General Health
Nutritional
Skin Conditions
Baby Information
Exercise Articles
Surgery Related
Appearance Articles
Personality
Addictions
There is nothing more important than finding "affordable health insurance" for the self employed, preferably sooner rather than later. Without affordable health insurance, illnesses can become much more disastrous than otherwise. If you get sick, and you do not have good health coverage, it is amazing how quickly the bills will pile up. In a worse case scenario, the absence of affordable health care insurance can mean death as you will not be able to pay for any of the expensive treatments that some serious illnesses require. And once it is too late, it is too late.
This happened to a cousin of mine, and I would like to share her story to make sure that more people do not make the same mistake that she did. She never bothered to find an affordable health care plan, being young and healthy and figuring that she did not need it. Suddenly, her health seemed to change. Although she ignored it for a very long time, she was finally forced to take notice and found out that she had come down with cancer. If she had gotten affordable health insurance, it would have been treatable, but the treatments were so expensive that she simply could not afford it. Her family helped her out, and we had all types of fund raisers for her, but without affordable health insurance she could not undergo sufficient treatment. And once she was sick, she had what is known as a prior condition, which means that insurance companies would not cover her because she had a existing condition.
It is important to be thorough in your search for affordable health insurance, and not give up until you find it. The most affordable health insurance programs are run through large corporations (employers). They are able to by their health care in bulk, and that allows them to get discounted rates, which they can then pass on to their employees. If you are self-employed, however, it is much harder for you to find affordable health insurance, and you might find yourself paying quite high rates for the coverage that you can find. Of course, it is possible to band together with other self-employed people and buy a group rate plan in the same way that the large corporations do, but this can be hairy and difficult to achieve. Just make sure that, one way or another, you are covered just in case the worst case does occur.
My search for affordable health insurance taught me many things. First of all, I learned to look past the initial quote. Now that I'm self-employed, it's very tempting to base all of my decisions on money alone. But that's definitely not the way to go when it comes to medical coverage, so instead of accepting or dismissing a particular policy based on the quote alone, I forced myself to compare policies according to what I would actually get out of them.
Second, my search for affordable health insurance taught me that many times, companies that offer low monthly premiums require you to pay huge deductibles in the event of a hospital visit. Sure, I guess I could play the odds and hope that I nothing happened to me, but that would just give me something extra to worry about.
Third, searching for affordable health insurance means reading the policy's fine print. I wanted to know exactly what my policy covered and what it didn't so that I wouldn't get hit with hidden charges later on. Reading the fine print saved me from making a couple of mistakes on policies that initially looked good, but turned out to be bad deals.
Finding affordable health insurance was not an easy task by any means but start your search today with the resources provided below.
www.whitehouse.gov President Bush believes these needed reforms will increase access to quality, affordable health care for all Americans
www.cahi.org The Council for Affordable Health Insurance (CAHI)
www.mainecahc.org Maine-based organization advocating the right to health care for every man, woman and child.