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HEALTH INSURANCE

Medical Insurance

Whether you are a middle-aged worker, a college student, or a senior citizen, medical insurance will come in handy if you have a medical emergency. Everyone always assumes they will not get sick, but people do become ill and if you do not have medical insurance, the cost for hospital stay and doctor services can be astronomical.

What type of medical insurance plans is available? One type is the individual health insurance plan that covers both you and your family. This is often costly because it normally does not go through your work or another organization. This comes strictly out of your pocket. However, if a serious illness or injury comes up, you will be glad to have paid the higher premiums to cover you and your family. If you are employed, most companies offer some type of insurance plan. It may be a group health insurance plan, which often offers lower rates. Your company may provide you the coverage free of charge or charge you part of the premium, while they pay the rest. Group health insurance is a type of medical insurance that is usually much more affordable than an individual plan purchased on your own.

Most college students can still be covered by their parents insurance as long as they are enrolled in college. Some colleges even offer insurance to students and if the injury is not too serious, the college may even have a small clinic that can treat the student for free. Senior citizens who are not 65 years of age and thus not eligible for Medicare (a state and government program) can often continue to purchase group health insurance through their former employee. You may be able to receive COBRA, the Consolidated Omnibus Budget Reconciliation Act. This requires that a company's group health insurance be made available to former employees for at least 18 months after termination or retirement. There are also plans that are specifically written for the elderly.

Medical insurance may seem like an unnecessary cost, but becoming ill without medical insurance could possibly run you and your family financially.

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