When we are young, we never think about our health, and expect that we will live
our days blessed with good health and no illness or accidents. But that is not
what the world is like. There is so much uncertainty in this world; you can come
down with a bad virus, you can get hit by a car, you just never know what can
happen to you and so you have to be prepared for anything to happen. This makes
medical insurance a real must for all of us.
At one point when I was eighteen, I was offered a health insurance plan. I did
not even think about taking advantage of it since I was still covered under my
parents policy. But, when the time came and I should have sought out health
insurance, at age 25 when I was no longer covered, I still ignored it. I was in
the prime of health; what could possibly happen to me to require that I have
health insurance? Put it down to dumb youth. Even at that young age, you
should be careful about being protected. I was an active person; what if I hurt
myself playing football or skiing? There was no way I could afford to pay a
hospital bill if I broke a leg. It is a serious question to think about.
Just because you do not need medical insurance today does not mean that you will not
need it tomorrow. I guess a lot of young people think that since they did not use
the insurance, they just threw that money away. Why should they continue to
throw it away month after month? That is just being blind to reality. Even if
you never got sick, there are always accidents waiting to happen. If you were
in a car accident or broke a leg, you would be very happy that you had health
insurance. Doctor and hospital bills are astronomical, and very few people can
afford to pay them out of pocket. Even if you do have to pay a deductible, it
will not compare to the total bill if you go into the hospital after an
accident. A bill like this will haunt you for the rest of your life, and the
hospital and the collection agency are not going to forget about it.
If you have medical insurance, you do not have to worry about these things. The
medical insurance company takes care of all of the doctor and hospital expenses.
You will be very happy you had medical insurance if you are ever in an accident.
You cannot count on never having an accident or never getting sick. These things
can happen to the most careful people and to the healthiest people. It will
give you a great deal of peace to know that if anything does happen, most of the
bills will be taken care of. We cannot possibly manage something like this on
our own. We need to have health insurance during the good times to make sure it
is there during the bad times when we need it.
Michael Benifez reports for lifeinpalmcoast.com LifeinPalmCoast.com, covering world of finance, mortgage loans, refiancing and insurance in Palm Coast, Florida and Flagler county. His latest article on lifeinpalmcoast.com/insurance/health.php Flagler county Florida health insurance covers health care options.
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