FIVE CONVINCING THOUGHTS TO HAVE A HEALTHCARE PLAN
Experts say that people do not like to buy any service because of its features, but think of going for them once they are aware of the benefits of a certain product. Therefore, we all need to get convinced and informed about the benefits of a product before we make up our mind to buy it. Consumers need to know what they are receiving in the end. And what difference is it going to make in their life? Unfortunately, due to the lack of information, people mostly end up making wrong decisions.
Especially when it comes to healthcare products, a large chunk of the population is still using uninsured healthcare services and are forced to pay heavy fees to avail little medical care. ACA (American Counselling Association) highlighted a very interesting situation a few years back saying that only 33 million Americans had access to Obamacare that is just 10.4% of the total population. Beyond misinformation, there are so many other economic factors that appear to hold back almost 35 million Americans in getting their medical care insured.
Notably, governments have limited resources in hand and are unable to cover the medical expenses of the whole population that puts the lower class further in a miserable position. These are serious concerns and are required to be reformed by adding new payment methods, improved safety net, treatments, healthcare facilities, variety of services, and a cut down on the per month coverage of healthcare insurance plans.
On the other hand, several private and semi-government medical insurance plans are not only economical but much better in comparison to government-backed policy programs. To better understand the situation and the usage, let us get to the facts and figures and share the healthcare insurance plans that you will find most suitable to your lifestyle. One of the trustworthy among them is Premier Vision that offers affordable healthcare plans.
CONTINUOUS RISE IN CHRONIC DISEASES:
No matter how good your health is, you still need to have a healthcare insurance plan in place. The rapid change in our climate and lifestyle has made our system vulnerable to a plethora of diseases. In comparison to the past, humans are more prone to a wide range of diseases. Experts agree that like other species the human race is also under grave danger and can get affected greatly if the inefficiencies in the healthcare system remain unaddressed.
Most recently, we have examined the threat a mere virus can spread. Coronavirus (COVID-19) was first caught in the fishing market of China and now it has spread beyond international borders. Statistics show that 4,264 people have died all over the world and further confirm that 118,002 have been infected in total.
So how can one avoid getting into life-threatening situations? Well, health insurance cannot assure you a longer life but it can help you in adopting a healthy and better lifestyle. It not only helps you in managing the finances at the time of the need but also caters to your overall health problems. These days medical insurance is a must!
HEALTHCARE IS GETTING EXPENSIVE ONLY:
Lately, medical care has risen to a great extent. Most recent estimates show that regular checkup costs $150-200. However, with the insurance coverage, you can get it done in only $5-10. These drastic figures are enough to clear the difference between having and not having any insurance plan. Moreover, in developing countries, people tend to have weaker belief in insurance companies and save their money themselves to deal with such medical emergencies. But this is not a good idea!
First, your savings are according to your pay scale that does not allow you to save enough. Secondly, whether you have a private plan or a government-backed insurance policy, by agreement they are bound to provide the insurer’s incurring medical expenses and are required to clear all the bills at the time of the need.
AGE DOES NOT MATTER:
You can avail healthcare insurance plan at any age. There is no such condition that bounds you to have them at a certain age. However, by buying an insurance plan at an early age you can save yourself from paying extra money. Because at old age the risk factor is higher and health condition is worse. However, there is a bright side as older people are likely to receive more premium health insurance plans and experience added facilities that are not provided to younger insurer holders.
Healthcare is supposed to cover all the risk factors that are associated with the insurer’s health conditions. Insurance policies are designed in a way to do exactly that. But most of the people make mistakes while filling out the forms and end up losing the other perks of the insurance plans.
Including critical illness policy that upon diagnosis is supposed to pay you a fixed amount of money every month. Furthermore, a person can take the critical illness insurance policy all alone without buying the whole healthcare insurance plan. This is beneficial because it can cover the expenses of one’s critical illness and permit to pay the regular hospital fees by using a family healthcare insurance plan.
Following are the healthcare plans we would like to recommend to you:
- Family protector policy plan
- Individual protector plan
- Health protector policy plan
- Policy coverage plan
WHAT TO CONSIDER BEFORE BUYING AN INSURANCE DEAL?
No doubt that you are getting many benefits after getting your healthcare insured. But to enjoy them fully, you should make sure to consider the total amount of the plan you are supposed to pay at a time, monthly fee, deductibles (an amount insurer pay before availing any services), copay plan, coinsurance percentage, insurance company or the provider’s network, medication/pharmaceutical plan, and dental care plan. Other than that, make sure to sign up for STM (short term medical) insurance plans as they are more beneficial in dealing with accidental situations and happen to come with flexible terms and conditions.
THE CONCLUDING REMARKS
Why do you need a health care insurance plan? Because otherwise, you may end up going bankrupt upon dealing with only one emergency. They are accidental, uncalled for incidents that happen without giving you a slight warning. Also, unlike other insurance coverage, healthcare plans do not only save you from emergencies but also cover insurers’ regular medical expenses.