| At present there are nearly 45 million | | | | prescription medications are covered or |
| Americans who do not have health insurance. | | | | offered at a reduced rate with co-pay. When |
| Are you one of them? There are several | | | | you decide to buy health insurance |
| reasons why people do not buy health | | | | prescription coverage may not be necessary if |
| insurance. The prime reason and most obvious | | | | you or your family members are not prescribed |
| is the cost. On the other hand the cost | | | | daily medication. Whereas the elderly who are |
| incurred to you and your family if you are | | | | more liable to have prescribed medications, |
| not covered by insurance and are struck down | | | | have Medicare options to cover this area, |
| with a major illness unexpectedly may mean | | | | hence this is not as important of an issue |
| complete bankruptcy. Another top reason why | | | | for them when buying supplemental health |
| people do not acquire health insurance is | | | | insurance to pick up where Medicare ends. An |
| when they change companies and have a | | | | important thing to remember is to fill out |
| pre-existing condition. Often times a new | | | | the state you currently reside in if you |
| company will not insure a person that has | | | | choose to have a price quote done when |
| been diagnosed with an illness or chronic | | | | filling out the information for United States |
| condition because they are considered a high | | | | Citizens as at this time you can only buy |
| use risk. Then again some companies may want | | | | health insurance from providers from the |
| you to buy health insurance but they do not | | | | State you reside in. Though currently there |
| necessarily want you to use it. There are a | | | | is a bill in legislation trying to amend this |
| number of alternative programs available in | | | | policy; still there is not a great deal of |
| nearly all States in the United States that | | | | support for it. The state of Massachusetts is |
| offer plans to people that have been denied | | | | trying to pass a law that it be compulsory |
| insurance due to a pre-existing condition. | | | | for all residents of that state to buy health |
| However such types of programs are not always | | | | insurance or face penalties, similar to the |
| well publicized but definitely worth looking | | | | mandatory laws to have car insurance. However |
| into if you or a member of your family falls | | | | the major debate that exists with this type |
| into this category, and not an option to | | | | of legislation is what is affordable to one |
| overlook as you buy health insurance. | | | | household may not be affordable to another. |
| | | | |
| There are a variety of companies and options | | | | The crisis of millions of Americans without |
| to buy health insurance. Several major | | | | health insurance is costing tax payers |
| companies offer a free on line quote. These | | | | millions of dollars annually. Individuals and |
| companies not only offer an in-depth | | | | families need to be protected so buy health |
| comparison for the various plans offered | | | | insurance. On a positive note, if every |
| within the company but also comparable prices | | | | person does buy health insurance the over all |
| of similar plans offered by their major | | | | costs for everyone will decrease, as those |
| competitors. The comparisons usually look at | | | | with insurance need not incur higher cost for |
| the type of deductible you are willing to pay | | | | premiums as the result of paying for the |
| as well as co-pays. The key flux in price | | | | costs of those who do not have health care |
| from one plan to another is whether or not | | | | coverage. |