Health Insurance, In This Modern World Of Cancer,heart Disease, AIDS, Diabetes, Asthma, Ageing Andother Diseases And Afflictions, It Is Essential Tohave Some Sort Of Health Insurance.There Are Many Levels Of Health Insurance Coverageavailable; Unfortunately, Like Most Things In Life,you Get What You Pay For, And Good Coverage Can Bevery Expensive.The Two Most Common Terms In Referring To Healthinsurance Are Premium, Which Is The Amount Paid Forthe Insurance, And Deductible, Which Is Yourout-of-pocket Expense Before The Insurance Pays Yourprovider.For Instance, You Might Pay 300 Premium Per Month Forfamily Coverage, And Your Deductible Might Be 250 Perperson, Which Means If You Fell And Broke Your Ankleand Went To The Hospital Emergency Room, You Would Berequired To Pay The First 250 Of The Bill.You Can Purchase Very Basic Catastrophic Coverage,which Would Carry A Very High Deductible And Thepremium Would Be Less Than Comprehensive Coveragewhich Would Have A Higher Premium And Lowerdeductible.It Pays To Invest The Time To Investigate Variousinsurance Options, Taking Into Consideration Your Age,your General Health And The Health Of Your Familymembers.Your Employer May Offer Group Health Insurance, Whichis Most Likely The Least Expensive Option For You, Andusually The Premium Is Deducted From Your Paycheck.Health Insurance Is A Calculated Risk; Can You Affordthe Premiums Or Are You Willing To Risk That You Wouldpay Less Out Of Pocket For Medical Expenses In A Yearthan The Premiums Would Cost? Consider Carefully.
