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Why Do I Need Health Insurance Coverage?

You buy health insurance for the same reason you buy other kinds of insurance, to protect yourself financially against unexpected costs. You may be put in a situation where you have to provide your own health insurance. Your employer may no longer offer health insurance coverage, you may have graduated from college and are no longer eligible under your parent's insurance, you are switching jobs or in between jobs or you haven't had health insurance for years. Whatever the case, below lists additional reasons why you need coverage:

  • It will save you money in the long run. Medical costs are astronomical. By paying a reasonable monthly premium, you would save yourself thousands should you ever need medical treatment. Without it, an accident or major illness could put you in debt for years.
  • It will offer you a peace of mind. You cannot predict what your future holds'including your medical bills. Wouldn't you feel better knowing you are covered should you ever need to be'
  • It will help you in a pre-existing condition situation. Insurance companies do not have to cover pre-existing medical conditions (anything you have been diagnosed with or treated for in the previous six months) for up to one year from the start of the policy. In order to avoid such a waiting period, once you get insurance, you should always maintain it. As long as there is not a gap of more than 63 days between health insurance plans, you are protected.

Do yourself a huge favor and don't wait until you have a health problem to get health insurance. It is possible, coverage could exclude the very problem you were looking to cover or your request could ultimately be denied. Health insurance is available and easy to obtain. You just need to do the research and compare to find the most affordable plan for you that also offers you peace of mind.

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