Never let your health insurance lapse
Too many people decide that when they are looking at a laspe in health insurance coverage that it is not a big issue. They think they are too healthy to worry about it. Or they think it is only a short lapse and nothing could possibly happen during that short time.
Don’t fool yourself with these notions. You can not plan the unexpected. A sudden illness or accident can not be avoided. And when it occurs it usually uses unplanned money from your budget. I have heard all the sad stories of financial horrors due to someone not having insurance.
One of these stories is about a young college grad named John. John had not yet found a career and was dropped off of his parents health insurance. He did not find temporary health insurance because he did not find it necessary since he had not been sick in a long time. Fifteen days later he found himself in the hospital with complications of the flu.
John did not plan for this. He didn’t even imagine it could be expected. The fact is it happend. John received bill after bill. Labs, physician fee, hospital, medications and test. The total was close to $10000. It took him his 1st 6 years in his new career to pay back this expensive mistake.
Another story is that of Carmen. Carmen suddenly losther job and her health insurance. She knew you should find another job soon and would have health isnurance in a matter of months so she was not real worried about it. One month later Carmen slipped on some ice hit her head and was rushed to the ER by ambulance.
Carmen was rushed to the hospital because she had hit her head so hard she was having adverse reactions. They spent 2 days testing and watching for signs of bleeding. The next day the released her to go home. The bills she received in the mail where huge. More then she could pay, her credit was tarnished!
If Carmen and John had taken out the short term policies meant to save you from financial hardship they could have avoided this. The financial safety net of short term health insurance is necessary to everyone. Insurance is for the unexpected and as you can so they do occur!
Short term health insurance plans are available by most health insurance companies. They are very affordable. They allow you to purchase health insurance that covers most major medical from 30 days to a year.
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