Buy Individual Health Insurance and Peace of Mind

Friends of mine never considered buying individual health insurance for themselves or their four children. It's too expensive they always complained. Danny and Brenda both have jobs. Danny is an independent contractor, picking up work when he can. Brenda is a high school teacher who declined the health insurance plan offered by her school because she didn't want any extra money taken out of her paycheck. So the family decided to go without any medical coverage.

Four winters ago, the family went on a snow skiing trip to Utah. Danny hit a tree and suffered multiple shattered bones. Luckily his skull remained intact. He was airlifted to the nearest hospital and spent ten days there until he was able to make the trip back home. The helicopter lift, emergency room care, and multiple surgeries within that ten day period amounted to well over $100,000. Since Danny had no health insurance coverage, he was responsible for the entire bill.

After he got home, infection set in and he had to return to the emergency room for more care. Since he still had no health insurance coverage, he was responsible for that bill as well. He couldn't afford the cost of physical therapy, so he made a very slow and painful recovery. He currently still walks with a limp.

Without any medical insurance, all the services and prescription drug costs were billed to Danny and Brenda. They made five or six payments and then realized they would never get out from under the mountain of debt. They declared bankruptcy. Needless to say, their credit score took a nosedive.

The best thing that's come out of this story is that the family now has health insurance. They decided to buy into a POS, which is a managed health care plan. It works well for them and the kids. The greatest thing they have is peace of mind. They know they will all be covered for minor things as well as more serious medical problems.

Buying individual health insurance for you and your family doesn't have to be expensive. Compare different plans to find what suits your needs. Get peace of mind.

Do I Really Need Health Insurance?

Buying individual health insurance may be one of the smartest choices you make in your lifetime. Regardless of how healthy you are, you can never plan for an accident. A trip and fall can result in a broken bone. You may be a safe driver, but there are thousands of drivers on the road everyday who are distracted or impaired. It only takes a split second for one of them to plow into your vehicle and land you in the hospital. Even if you aren't seriously injured and you're lucky enough to be released from the emergency room the same day, you're looking at thousands of dollars in medical bills. The ambulance ride alone can cost several hundred dollars.

If you have children, the need for health insurance increases. Immunizations and childhood illnesses can be costly without coverage. It's not unusual for kids to break a bone or incur some other type of injury during play, especially if they're involved in organized sports.

Without health insurance coverage, people are reluctant to seek medical care when they are sick or injured. They feel they can get better on their own without paying to see a doctor. Eventually, their condition worsens and by they time they eventually seek medical help, they are much sicker than they would have been had they gone earlier. This can be especially dangerous for infants and children because their young systems can't fight off illnesses as well.

You don't have to spend a fortune when buying individual health insurance. Do your research and find a plan that suits the needs of you and your family.