Who Doesn't Need Health Insurance?

Is good health important? Most everyone would agree, however you have to wonder why many people don't follow practices that will keep them healthy. These practices include watching their diets and visiting a doctor regularly, especially for the yearly check ups. Perhaps a lack of understanding the health insurance or medical coverage process is the reasons why. With the many options and coverage types that are available for any budget or need, it is easy to secure health insurance.

The unemployed or anyone who simply cannot afford medical coverage, can often get public health care. Medicare is medical coverage for the elderly, chronically ill and the permanently disabled. These groups have a hard time finding a insurance company that will give them coverage at any price. This is mostly because of the high cost of their medical care and the several times they have to visit the doctor for care. Another government program called Medicaid is generally called coverage for the very poor.

The lower reimbursement rates have forced many doctors to no longer accept this form of insurance. Every state does have a health care program that will cover children which is either low cost or free. One of these programs known as CHIP is for children who's parents don't qualify for Medicaid, but who also cannot afford private insurance. This program is a good example of health care and immunizations being made available to children, regardless of the situation.

Back in the day and in many companies today employer's offer medical insurance for their full time employees. When it is not completely free, the employee will be ask to contribute a certain small percentage of their pay to help cover medical premium costs. Included in this coverage is usually dental and work accidents and the employee might have to pay a co-pay on part of the doctor bill. Sadly many of the smaller business can no longer afford the rising cost of health care for their employees and have dropped insurance coverage. However, military members and the federal government employees still enjoy coverage under federal health care plans.

If the employer doesn't offer any health care package, the employee can shop and purchase their own health care insurance. The needs of each individual will be different so it is important to know what your insurance needs are before you shop and and buy. The policy options seem endless and making it possible to add or reject options that the person doesn't need. These types of policies come with a hefty premium as well as high co pays and deductibles. Pre-existing conditions are reasons enough to be denied coverage by most of the private insurance carriers. You can also expect heavy emphasis to be placed on age and the state of health the individual is in to determine the price of the plan.

Medical expenses are not the only things that health insurance covers. This coverage extends into some non medical services areas. Disability income insurance pays benefits while someone is unable to work due to a work illness or accident and covers medical expenses as well during this time. Insurance for long term care is a god send for people who are going through the loss of functioning ability because of age or illness. Any kind of insurance can be quite expensive, but without it, financial ruin has happened. Rising insurance costs are witnessing the decline of people being able to afford adequate insurance and this major issue will need answers that work and offer a solid solution.