We hear it all the time. Millions of Americans are living without the benefits of health insurance. many people choose to go without because their employer doe not offer it or they think they can not afford it. However, there are policies you can get for yourself and your family, without going through an employer, and frankly, the cost of not having health insurance, might be a much bigger price to pay than simply paying for an insurance policy.
Insurance vs. No Insurance
While some of us are more than willing to swallow the bill, even if we know we can not pay, and run to the ER or doctor when we have a real problem, others simply avoid it, fearing the bill and the creditor they know will soon be on their backs. While running to the doctor or ER might offer a temporary respite from that which ails us, regular medical check-ups are by far the best preventative measure for health conditions. Unfortunately, regular check-ups with decent doctors tend to become quite difficult for those without insurance. If you can’t afford insurance, how could you possibly afford to self-pay for a doctor’s visit? Right?
While there are low-income and free clinics and programs to often help people with their medications – and all of this is great, don’t get me wrong – some people have a need for specialized care, treatment and procedures that these clinics just can’t handle as well. It can be an overwhelming feeling to know you need the care of a good doctor on a regular basis. It’s a situation compounded by doctors in the ER who tell you this, but try explaining your situation to them and it seems to fall on deaf ears.
Only You Can Take Control of Your Own Healthcare
Living without any kind of medical coverage can and does put your health at risk. Regular care can help to catch conditions early. Without that care, these conditions will go untreated, often putting you at risk for more serious health problems and possibly even death. all of which is preventable with proper care. Having some form of health insurance, whether it be a state program, an employer program or a self-paid policy is one of the most important things you can do for yourself and your family.
It is up to you to decide to be proactive, take your healthcare into your own hands, and do something about it. Healthcare does not have to cost a lot. The cost of a policy is minimal compared to the bills incurred for being non-insured. Health Insurance policies can be built to fit both your needs and your budget. Don’t take a chance on your health and your life. Choose to be health insured!
