How to proceed if You Don’t Have Health Insurance – You may not Beat the Odds


Have you been spending so much time and paying your expenses on time? Preserving your money and trying to get forward, looking forward to retiring sometime? You read in the papers and hear about so many uninsured people on the news. Uninsured and don’t have health insurance simply because they can’t afford it. Are you currently one of the uninsured people such as I am? Are you worried about possessing a healthcare emergency and not understanding how you would pay your healthcare bills? You know you really cannot switch

jobs. You feel you aren’t getting too old or maybe underskilled to be appointed by anyone else. You might be self-employed too. You know on the phone or don’t want to learn the latest skill to get a new task at a bigger company containing group health insurance. Your current workplace can’t afford health care insurance for its employees, so you don’t see that change in which you work.

You have gotten with that long without health insurance and already know you should do something about it. But health care insurance is expensive, and getting health care insurance is a good idea and something you have been planning to do for ages. But, many of us just keep putting the idea off until it is too delayed. So what is a man who has a family, or a single man or woman, do if you barely will get the money to pay for the requirements, like the rent or a loan, the higher price of gas and food, much less expensive health care insurance?

Do you think you can beat the possibilities? For men, it is one in a few; for women, one in five you will have a serious emergency hospitalization and incur medical bills intended for surgery, hospital stay, outpatient medical care, therapy, and prescriptions. Do you worry and put awake at night, wondering the method that you would pay for emergency attention if you needed it?

At any time, wonder what you will do if the worst happens and you are required to go to the hospital without health care insurance? In a word. Bankruptcy. The retirement living you worked your whole existence for and dreamed about… the particular retirement you always envisioned is dead… taken away from you instantly. Through a calamity, you have attempted to avoid. A calamity that will broaden you, and you had no warning, and you never knew what struck you.

Imagine this scenario. You happen to be 55, have been in great condition your whole life, keep working harder and living right, may smoke, eat healthy foods, watch excess fat, and have taken care of yourself the easiest way you know how. But lately, you have already been getting a little short of inhale. You shake your head and say, “it’s just having old,” and keep working away at the house, the car, the garden, the crops, or a new project you just have to get done. Although working, all of a sudden, you feel short of breath. You end, sit down, and can’t take it in. You look down, and your supply is feeling funny in addition to tingly. Suddenly, you feel a new shooting pain running an

improved arm into your shoulder, “ah… just overdoing it again,” you say to yourself. I’ll just simply rest a spell, but it will surely go away. But this time, the pain doesn’t go away like other times. You sense the numbness and, more intense, a stabbing pain exploring your shoulder. Quickly, this intensifies and travels dark, shooting across your chest, crushing problems, and now you are terrified. “Wonder if this is a cardiac arrest? ” You know you silently laid too long, and it’s too late… These times it’s for real. Experts in the middle of a heart attack.

That you are desperate and in stabbing problems. You know calling 911 could save you… if you can get to a new phone. You call for your lady; she is inside the house and hears you. You get up and feel weak and have no strength; your legs just can’t move. An individual yell louder, it hurts too bad, and she hears an

individual this time. She rushes to your side, and you are so in short supply of breath you can’t talk; this is too great. You indicate your chest, and the lady can see by the look on your face you are suffering, including great pain, and something is wrong. She works to call 911, is concerned about you, and tells the ambulance to come immediately; she thinks you are using a heart attack. She runs to your side, and you, the two, are scared, and all that can be done is wait.

The bad media has just begun… When the ambulance arrives, you find out the most detrimental has happened. You are receiving a heart attack… they dash you away to the clinic, taking your vitals and giving you the particular drugs to save your life. Pricey surgery follows with angioplasty to open up the blocked blood vessels in your heart, and you get a stint to keep the most detrimental blocked artery open. The doctors say you should recover well with great care, rest, and

therapies. You will have to take heart remedies and high blood pressure drugs. Already the fret has started, and you think, “how am I going to spend on this”? The deep fiscal worry never leaves you. You have heard stories of monetary disasters happening to excellent people with no insurance, Destructive consequences happening to people receiving hit with huge health bills for surgeries inside tens of thousands of dollars. You misplaced… you did not beat the likelihood.

Now, what can you do? Your retirement dream is gone; congratulations, you will have to work the rest of your life to pay your medical payments off. The story I provided is real; this health tragedy happened to my friend, a farmer, a hard staff, and a self-employed bulldozer agent in the prime of his / her life. No health insurance and he/she now faces a $45 000 medical bill he/she can’t pay. Not except when he wants to sell the attractive log cabin home he created with his hands and the place he worked his universal life for. He is worried, tired, and tied to heart prescription drugs for the rest of his life. Heart and soul drugs and a stint will make him feel even more tired. He has decided to sell components of his land to pay medical facility and clinic bills. He/she hates to do this but doesn’t have a choice.

He tried to fork out the hospital and clinic, having agreed upon payments of $1 000 a month each, forking over every penny he could, although that was not fast, ample, or good enough. The hospital and the clinic still turned his / her account over to the collection businesses even though he was paying $2 000. 00 thirty days. He is an honest man who also worked hard in his existence and did not deserve this specific. He can barely afford coronary heart drugs and makes just enough funds not to be entitled to state-assisted health care or prescribed drug benefits.

One more thing is very important… That is not the only calamity. He or she is not eligible for any type of medical insurance for his heart, even when he could afford to pay eight hundred fifty dollars. 00 a month for medical insurance coverage, plus his month-to-month medical bill payment for the collection agency. Why? Due to the fact now, he is uninsurable. To be covered under health insurance regarding his heart, he must not have any hospital care or perhaps treatment

related to his pre-existing condition for seven yrs to qualify for having a floss heart condition covered beneath any health insurance policy. Regarding my brother, he will have to perform harder than ever to pay this specific debt off, just as if he should be taking it less difficult and not working so hard to prevent one more thing heart attack. There will be no retirement living for him; he is fifty-nine, which is a hard selling price.

What does this mean for you? May wait, don’t let a major medical condition ruin your chances of retirement. Health-related coverage can be purchased and can be budgeted for. If my brother learned what was going to happen yet have budgeted the money for just a health insurance policy. He could include spared a couple thousand 1 year for an inexpensive health care insurance plan with a high deductible. This might have cut the health bills he received by just a significant amount, and he even now would have health insurance to cover the pup in the

future. When lying between the sheets at night, think of the people you recognize who have had their day-to-day lives turned upside down by a health calamity and lost all their jobs, homes, savings, and cherished retirement life. This is too high a price. Take care of yourself and your family. Shield your retirement dream.

Receiving an online insurance quote, put in at home, and safe can guide you in taking a step in the right direction. Help remove most of the worry about “what if a medical emergency transpired to you or a loved one.” Would you be covered? Take a look at hope. The answer is “Yes. Micron.

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