The Importance of Health Care Coverage in America Today

One of the most crucial issues facing American today is importance of health insurance for the American citizens. Yet there are currently 47 million Americans who are under-insured or who do not have any health insurance coverage at all. The American public is aging, the baby boomers are reaching their senior years and according to actuarial insurance statistics most individuals begin to contract major illnesses or disabilities from the age of 50 onward. These individuals can not afford to be without health insurance. As a matter of fact, Americans of any age, social status, or walk of life can not afford to jeopardize their health care because they are without insurance.

Medical heath care coverage is to protect Americans from the event that a medical illnesses or situation should occur and there is no money to pay for the cost of treatment. Older baby boomers understand fully well how much the cost of medical coverage is in America. A major operation, and treatment can cost thousands of dollars and sometimes reaching over 100,000 dollars. Unless the individual is fairly wealthy there is no way to be able to pay these rising health care costs.

Fortunately some working Americans do have medical health care coverage through their employers. Group insurance coverage is the most economical way of making sure your health care needs are met.

Unfortunately not all employers offer any group insurance coverage and this leaves many American families uninsured. With the rising costs of health care in America, no family can really afford to go without insurance coverage. There are just too many things that can happen. A young couple planning a family will need medical health care coverage for prenatal care, hospital stays for once the babies are born, and then doctor visits for immunizations and regular routine checkups for their children afterward. Even if a couple is young and childless there is no guarantee in life that they will always remain healthy. Doctor visits for the most innocuous things such as getting a flu shot, or going to the doctor for allergy shots will become very pricey without proper medical healthcare coverage.

Self-employed individuals must maintain a self -employed health insurance plan to protect their business. Health insurance is just as important as any other business expense. If the self-employed person can no longer work due to a temporary disability, time away from work due to an operation, or even a car accident, then that self-employed person will lose the income from their business. Besides loss of income they may actually loose their entire business if they are incapable of working for a long period of time.

American expatriots may find themselves in a country where they can not readily get the health care that they need. The facilities may be inferior to American standards , or the services may not be available at all. Expatriot medical health insurance can provide needed money to pay for the costs of health care in the foreign country or provide coverage if the ex patriot must return to America for treatment.

All Americans need proper coverage. When it is not provided through an employer private medical healthcare coverage as well as state run health insurance plans are available. Do not go without proper health care find an affordable health insurance plan that meets your individual needs and the needs of your family.

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