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Stop Putting Off Your Health Insurance Cover
By Jenna Milson
It's only natural that we try not to think about being ill. However, if you live in the US today then it is vital that you do begin to consider the consequences if a member of your family, or you yourself, develops a health problem. Anyone without health insurance, or with insurance that falls short, may have real problems.

First of all we need to understand the whole health insurance idea. Health care is not funded in this way everywhere in the world. In Germany and France for example they have a system called an insurance scheme, but it is really very different. You pay money like in the States, but everyone in society gets a similar level of coverage. In the United Kingdom there is a tax based system that also means everyone gets the same coverage.

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But this is not the system we have in the US. Here there is a basic level of coverage for those on low and moderate incomes and the elderly without their own schemes. Apart from this, you get what you pay for - pay more and you get better services and more coverage.

US health insurance is not so different from auto or home insurance policies. The policy providers are businesses that need to turn a profit. For this reason people with a current medical condition may have problems getting an insurance company to offer them cover against the condition worsening. Though it might sound callous, an insurance company has to consider a person with heart problems a poor risk just like they would if you were a driver with a string of accidents looking to get a powerful car insured. This is the key incentive for getting your HMO or insurance policy on a firm footing when you are in good health. A further incentive is that HMOs often have a period at the beginning of your membership when your cover is limited - it is best that this passes when you are healthy.

Of course health care is not exactly like auto insurance: if someone is such a bad driver they cannot get insured they will have to stop driving... a genuine difficulty, but not the end of the world. On the other hand if someone is denied medical treatment it can mean the end for them. But the richest country on the planet can hardly stand by and watch someone die of a preventable illness. This is why there is Medicare and Medicaid as a safety-net. Besides this, most States have legislated that certain things must be in all health care insurance programs, even at the most basic level of coverage. An example of this is the mammogram for early detection of breast cancer - most schemes must include this service. So look at what is offered in your state.

The employed will normally have a company sponsored health care scheme. Problem is that the scheme often goes with the job, so a new job or the loss of the current job can mean that your family is no longer covered. Take time to understand your scheme; the inclusions, exclusions and all that. Work out a back-up plan to put in place if the scheme disappears. It's worth the time because at the end of the day our health is everything.
Copyright 2006 Jenna Milson. All rights reserved.

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