Bad times often dawn upon you unannounced. You might be happily gardening in your backyard on the weekend, and suddenly get a call from the company you work at saying that it is shutting down due to financial constraints. Or, you could be cheering your son at his big football match, and a drunk driver could hit and totally wreck the car you have parked in the lot. The point is, life has a tendency to surprise you – often unpleasantly – when you least expect it.
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The possible impending Health Crisis
One of the most significant predicaments that can sneak up on you and totally turn your life upside down is to do with health – whether your own or a loved one’s. In light of recent studies conducted under the Department of Health and Human Services, as many as 50 to 129 million non-elderly populations of the United States could be living with a dangerous pre-existing medical condition.
This means that anywhere between 19% and 50% of the American population could be taken by surprise by a deadly health crisis. Fortunately for us, the recent significant technological developments in the field of healthcare have cut down the morbidity and mortality rate by a considerable margin.
However, this does not solve all the health problems that you might face during your lifetime. There still needs to be a more sound solution when it comes to ensuring the physical and mental wellness of our own selves and of those whom we care about. This is where health insurance comes in.
Why should you invest in a comprehensive health insurance policy?
- You do not know what life will challenge you with next
The biggest reason anyone would consider getting insured for anything is the uncertainty of life. As we already discussed, you cannot know what is to happen the next moment. In these unpredictable and precarious journey of life, it is always better to be prepared for the unexpected. Better safe than sorry, right?
So, investing in a health insurance policy ensures that you will not be left without any help when caught off guard by a sudden medical catastrophe.
2.Quality healthcare is getting expensive, and you need someone to share the financial burden with
Secondly, anyone who has had some experience with disease and illness can tell how medical expenses can blow up in a short amount of time. Healthcare costs a lot in 2019 and is getting more expensive with every passing year.
Americans are currently forced to pay a humungous $3.4 trillion to ensure their health every year! By 2023, an average American is expected to spend as much as $14,944 with regard to his or her mental and physical health. Compare this with the mere $146 standard healthcare cost in 1960, and you can see how medical attention has been getting expensive every year.
Hence, unless you are the Queen of England or have oil wells digging in your backyard, getting a good health insurance plan is your best bet at ensuring the best medical attention when you need it.
3.You get the chance to choose the very best for yourself
Thirdly – and this is perhaps the most essential factor of all – getting a health insurance plan allows you to explore your options before you need to choose one. This means that you will not be stuck with irreversible healthcare decisions that you might later come to regret or ones that can cause you damage. This is the point that we will discuss in the greatest detail.
When you go to the doctor in an emergency – in the event of a sudden cardiac arrest, for example – you do not have the time or the luxury to choose which healthcare professional treats your problem. At that moment, you will inevitably reach out to the doctor that is closest to you and can address your emergency at once. Many times, this can mean reaching out to a substandard healthcare professional, or to a doctor who did not do his job the way he should have.
On the other hand, when you are not faced with an extreme condition that requires immediate action, you can be more relaxed with making a decision. For this, let’s imagine that you are scheduling a regular physical check-up for yourself. Because you are not hard-pressed to make an impromptu decision, you have the luxury to explore all the options available in your area and then choose the one that you think will be the best for you.
Why Healthcare insurance plans?
So how these situations relate to getting a health insurance plan? Well, many health insurance plans list down the healthcare professionals in your area that the policy you are buying will cover. This gives you an excuse to look over all the available options, research about them in detail, and conclude if those professionals are the ones that you will be willing to trust with your life.
When you have conducted a thorough research about the healthcare scene in your area, you are better prepared to make an educated decision about which doctor to go to even in an emergency. This allows you to ensure that you and your loved ones are always getting the very best of what’s available – no matter if your son hit his head and got a concussion during that big football match, or you get a sudden sharp pain in your left arm hinting at a heart attack.
In this way, investing in a quality insurance policy makes sure that you are only getting the very best whether you are seeking urgent care near Houston TX, or looking for a competent nurse to provide the best healthcare for your ailing grandma.
The final word
Do you know who the best primary care doctor in your area is? What about the most successful specialist healthcare provider? Have you been thinking of investing in a health insurance plan, or do you already have one in place? Comment down below and let us know!
ABOUT Alycia Gordan
Alycia Gordan is a freelance writer who loves to read and write articles on healthcare technology, fitness and lifestyle. She is a tech junkie and divides her time between travel and writing. You can find her on Twitter: @meetalycia