A medical emergency

A medical emergency

A medical emergency can result in a financial emergency within a fraction of a minute. The last thing one would like to think about whenever a member of our family come across a medical emergency is to make urgent financial arrangements. Buying your family a health insurance plan is the first step you ought to do to avoid such incidences.

Health insurance awareness campaign has grown in a big way across the world. But the unfortunate thing is that many people are still ignorant about the importance of covering one’s family with a health insurance plan. What these people forget is that medical emergencies are unpredictable. They can occur anywhere and anytime regardless of one’s social or financial status, gender, age or race.

Besides having a medical emergency, the skyrocketing medical bills can cause financial severe constrains to the affected families. With the increase of chronic diseases like cancer, it is only a person who wants to do his family a disservice that can ignore buying a family health insurance. This article seeks to educate people on why every family must have health insurance. Here are some of the fundamental reasons why health insurance is vital for a healthy family.

Insured people receive better medical care and in a more timely manner

Secured adults, as compared with their unsecured counterpart, receive more preventive and screening services at early enough to avoid the diseases from spreading in the body and cause adverse health effect. The effects of some chronic diseases like cancer can be significantly minimized if it is diagnosed and screed early before it gets to the acute stage. Equally, for an early screening of heart conditions like blood pressure, will save the victim from staying for a long time under medication.

Due to the fear of the high cost of medical services, most unsecured individual hardly goes to seek regular medical checkup. In fact, most of them will only visit a doctor if they feel they are sick. This lack of routine medical checkup gives time for diseases to spread in the body and by the time one realizes he is sick, it is too late to get cured. Additionally, the cost of treatment of diseases at their late stage is very high. As the famous saying goes, ‘prevention is better than cure’.

Insured people have a better health outcome

Many scientific studies and research show that there is a significant connection between having health coverage and better health-related outcome. The argument behind this evidence is that insured people can receive treatment up to the last stage of treatment.

Most of the uninsured individuals, in case of chronic illness or unexpected accidents, they are likely to terminate treatment before they can fully recover. This might be influenced by the lack of enough money to pay for the medical bill. Due to the same reason, they are not also able to attend the follow-up appointment given, a situation that is not common with the insured individuals. Thus, to avoid such inconveniences, it is good to have your family a health insurance cover.

Having medical insurance will ease the medical burden for your family

Different surveys have shown that medical bill is a crucial contributor to family bankruptcies. Insured individuals enjoy the benefit of reduced medical costs, which are routinely negotiated by various private health plans or those imposed by different public programs. In fact, uninsured people receive treatment at a price that is more than double what the insured people pay.

Some low-income families have been lucky to have their bills taken care of by charity organizations. But a good number of them have been dunned due to the unpaid bills. To avoid such humiliations, it is advisable to buy health insurance his or her family. With a medical cover, you will be sure that in case of any illness a good part of your medical bill is taken care off. In some cases, you will not need to pay any money since the insurance will settle the whole bill. Therefore, if you would like to avoid bankruptcies due to medical bills, have your family insured.

Insured people will benefit from the expanding health insurance coverage

Though health insurance may not cover all the medical services we need, having this insurance make you stand to benefit whenever there is an expanded coverage. Insured individuals get more services on top of what they used to get. In this way, they can save money that they previously used to pay for those services. Unfortunately, these benefits that come with extended coverage will only be enjoyed by those who have bought the medical cover. Therefore, to avoid been left out of these benefits, it would be a wise thing to buy your family a health insurance cover.

Insured people have better health access to health care

Having a health cover gives the liberty to seek medical services anywhere, provided that your cover is recognized in that region. This gives you a wide variety of hospitals that you can seek treatment from. On the other hand, most of the uninsured people, find themselves limited to seek medical assistance only from hospitals where they can afford to pay the bill. This acts as a disadvantage to them, especially in situations where the hospitals they attend do not have the services they need. This becomes a stressing situation for them as they deliberate on the other possible option.

If you like travelling, you do not worry if you happen to seek medical services. The insurance cover enables you to access the services of the hospitals within the area you are without any worry about the money they might charge you. Having an opportunity to access medical services to different hospitals also allows you to seek the best services you need. In this way, you get better treatment and better health outcome.

conclusion

From the discussion above, it is correct to state that having a health cover for your family is a fundamental condition for bringing up a healthy family. To avoid unnecessary stressing financial constraints it would be a wise decision to have your family covered with health insurance. The money paid for health insurance premiums is really worth the benefits one receives from this insurance whenever he needs medical services.