Is it Better without health Insurance

We always complain about the cost of Best Health Insurance Companies and we would like an explanation about it. Why is it that when you have health insurance you end up paying more than when you do not have it? Yes! You pay more with Health Insurance than with out it. There are some serious things to fix in this system.

If you decide to buy your insurance from big companies like Blue Cross or Humana, the cost of your health insurance will be, depending on your circumstances (age, weight, etc), a big part of your salary. The cost of the plans that the insurance companies offer will push you to adjust the rate with an increasing deductible because the higher the deductible the lower the monthly premium. For instance 00.00. which has to be met before any amount be paid from the insurance company.

If you happen to get sick or end up in the hospital, in many instances, you will end up paying more than others without Low-Cost Health Insurance. Why do I say this? Because, if your treatment costs 00.00., the hospital will ask you for that amount and in the top of that you have to be up to date with your insurance payments. If the fiscal year of the health insurance is about to end, the 00.00 will have to be over again the following year to be able to utilize the health insurance policy. In other words, you are making your insurance payments but you had to pay the full amount of the cost of your treatment.

How about if you did not have any Health Insurance Policy Online when you go to the hospital? Well, the hospital or doctor will give you a “non-insured rate” which could be less than half of what corresponds to an insured individual. In other words, if you have insurance you pay 00.00 but if you do not have any insurance you may pay 0.00.

A specific scenario: If you pay 0.00 per month for your health insurance and you end up using it once in the year in an emergency room situation and you had to pay 00.00 for the treatment, that particular year your expense will be 00.00. 00.00 on insurance fees and 00.00 for the treatment (plus prescription drugs) and the full amount has to be covered by you. But, if you did not have any health insurance coverage, you may end up paying a total of 0.00 for that year.

Major Individual Health Insurance may be a good thing to have for expenses over 000.00 but, of course, you can not get health insurance with a pre-existing condition covered from the beginning of the policy. In other words, if you know that you are going to be expending a big amount of hospital fees soon, it will be very difficult to get approved for coverage. If you just want to go to the doctor to get a regular check up, for a cold or small diagnostics and you use your insurance to work towards the deductible, you have a tough decision to make. Will I pay?

Biphoo