What is Health Insurance?
Health Insurance is all about quality life. A quality life is a holistic term taken to mean a life with a healthy balance of the physical, emotional, spiritual, and mental welfare of the individual in question. Your physical well-being is a crucial requirement for a good quality of life. You cultivate and maintain your physical welfare by taking health insurance coverage.
Having this insurance is equivalent to subscribing to a quality life. It is a secret that is preached openly; are you open to receiving the same? Alexis Carell carefully articulated this when she said that “quality of life is more important than life itself”.
To empower you to invest in your quality of life and reap your returns later in life, consider health insurance. This article discusses what health insurance is about, who is eligible for it, how we can access this service, and why we need it.
Do we need Health Insurance, and at What Cost?
In the USA, health coverage has become the discussion on national television and other social media platforms. A lot has been said about this subject, and more is yet to be said, especially after this discussion. Recently, an ongoing trend has been doing rounds on social media. Citizens are voicing their issues to the sitting government regarding the efficiency, rates, and necessity of health insurance coverage.
Citizens are complaining of broken healthcare systems that are in the interest of organizations instead of the citizens. In 2021, Johonniuss Chemweno highlighted the disparities that were paralyzing the delivery of health services to the country’s citizens. The cost of health care is skyrocketing with time, which is disadvantageous to people and families that cannot raise their hospital bills.
What does Health Insurance Cover?
Health insurance covers the hospital costs if the policyholder becomes sick. It covers all sicknesses provided we have indicated them among the insurable perils. With the outbreak of the covid-19 pandemic, life has shown how unpredictable it can be. You can be whole one minute and fight for your life the next. You can certainly comfortably highlight at least one or two instances where life has shown you its “cruel and unfair” side. In 2020, the number of citizens who enrolled for life insurance coverage tremendously shot up, as health insurance does not pay a death benefit.
However much we might say that better late than never, I tend to think the earlier we start planning for a quality life, the better it is for ourselves and our families. Everyone deserves a quality life. We honestly work too hard not to reward ourselves with the best life. It should be our goal and motivation every time. Looking back, our grandparents did not have the best health insurance policies. Currently, we have super affordable and flexible health insurance policies. What are you waiting for? Seize this opportunity and safeguard your life and your family’s.
With the increasing persistence of lifestyle diseases, inherited genetic diseases, and even pandemics that are striking harder and harder by day, we need to reevaluate our life choices and make sound decisions about our health and beloveds. Health insurance providers are going the extra mile to customize our policies according to the prevalent health risks and the indifferent seasons of life.
Dental Insurance covers dental treatment costs for its policyholders. In the USA and other developed countries, this is a well-established cover. Some might sound extra, but I promise you that dental treatment costs can be unbelievably high
Like all other insurance policies, health policies are obtained through a broker, an insurance agent, or direct from the insurance company. Acquisition of health coverage is not a one-time procedure. It will require you to do your research, assess your health insurance needs and make a comparison of different health insurance policies. Choosing your best health insurance company, and assessing your future health insurance needs together with the claims settlement records, will give you constructive guidance on your decision consistent with your preferences.
Every journey begins with just a single step. Getting health insurance coverage can be quick or slow, depending on your chosen path in the acquisition process. ‘Enjoying the fruits’ has to be the most interesting part of your health insurance journey. Imagine going to your preferred hospital and getting quality and affordable treatment without digging into your pockets for not a single penny! It must be nice! We all deserve this kind of health benefit.
Why Do I need Health Insurance?
The fruits of health coverage are timely and life-saving. Health insurance coverage come in handy in the event of unforeseen health emergencies. Health problems and especially emergencies can be financially draining. Therefore, health insurance prepares for such emergencies and goes further to help you budget in advance. That is what quality life is all about.
Health coverage can give you the autonomy to step into the hospital anytime you deem fit. It covers health check-ups, consultations, and any random hospital visit covered by the insurance policy. With this, you become super intentional with keeping your health in check.
The ‘burden of paying for health coverage is not only directly laid upon you but is spread over to your employers and the government. Most employers must channel their employees’ monthly earnings to their health insurance accounts. It is a relief to the employee. The amount is deducted from the employee before the money is disbursed to their accounts. It is helpful to ensure that you don’t default on paying for your health coverage.
The U.S. government has been at the forefront of ensuring that its citizens enjoy good-quality and affordable health care. One recent and well-known government initiative is Universal Healthcare Coverage (UHC).
Final Thoughts
We can say about the quality of life, but it remains a theory until you take the initiative. John C. Maxwell says that “our decisions, not our conditions, determine our quality of life”. your commitment and responsibility will enable you to realize your desired quality of life.
Everyone needs health coverage. It is never too late for those who don’t already have health coverage. You are one decision away from living your quality life free from health and financial constraints. Make a decision today and secure your future and that of your family.
