Honestly, all forms of insurance are really nothing more than a big rip off; at least, this is one way of looking at it. Another way is to think of insurance as a morbid form of gambling (especially life insurance). You pay a monthly premium to stay insured so that if you get sick or die or get into an auto accident, your insurance premiums pay off to your benefit, saving you from piles of debt and a potential bankruptcy.
With that said, it goes without saying that insurance is just a necessary evil in the overall scheme of life, especially health insurance, thanks to bureaucracy and crooked billing practices on the part of hospitals and insurance companies. So bite the bullet and get health insurance, and look on the bright side, it the one form insurance you are almost guaranteed to use at some point in your life.
The most difficult part of buying health insurance is buying health insurance (no this is not a typo). There are so many health plans and providers that it’s a miracle anybody is ever able to get insured. And if you think buying independent health care insurance on your own is difficult, you should see what people whose employers offer it sometimes have to go through. It used to be easy for employees in the work place when it came to getting coverage; all that was required was to choose how many people in your family would be covered and then sign on the jotted line, and human resources did the rest. Not any more though.
Consumers and workers who sign up for insurance today now have options. Insurance companies boast about their options and how they make them better than the competition, but to the average consumer it is nothing more than a big headache caused by the precious time wasted sifting through guides and reading convoluted text that makes no since to anyone but the lawyers who wrote them.
Essentially, these options allow you to choose a deductible and premium, which in turn will stipulate what amount of coverage you get. The higher your monthly premium the better the coverage is and the less out of pocket expenses you face. This is the opposite if you choose a plan with a low premium and low deductible.
It would be unfair though, to feel too much sympathy for employees trying to choose the right health coverage at work; after all, they can always seek help from their human resources department. What about the self-employed, or those who have jobs that don’t offer health benefits?
The best place to begin shopping for health insurance and gathering information is the Internet. Find a company you are interested in and then call them. Ask a representative to send you an information package, and when you get it call back and have someone explain everything within it that you do not understand. Make sure and ask what your total monthly premium will be, as well as your deductible.
If they are a good health insurance company then they will be more than happy to take the time to answer your questions, and will probably even be willing to work with your budget to help you find the best possible coverage. Finding the right health insurance will take some time, but could turn out to be well worth it if you or a loved one need it.