Healthy Me Bicycling

Healthy Me Bicycling
family health insurance

Image by Korean Resource Center 민족학교
Donghyeon Lee, 10 years old, 5th grade, Bellflower, CA, “Healthy Me Bicycling”

My neighbor, who is a 5-year old little girl, has had heart problems since birth and in pain frequently, but she isn’t able to get treatments for her heart because she doesn’t have any insurance to cover it. Her father is here studying and can’t afford to buy insurance. Whenever I see her, I feel sorry for her… I’d like to become a doctor and help the poor. – Donghyun Lee, 5th grade, Bellflower, CA

Starting a family is a very big responsibility on you and your partner’s part, which is why you can really do with family health insurance. There is free health insurance, but there is also the kind that you have to shell out a bit for. And as early as now, this is something you ought to consider. This type of insurance is very helpful to you, your wife, and your current and future children for many reasons. The earlier you start applying and paying for this type of insurance, the better it is for all of you.

Some people already feel content with free health insurance, so they usually do not decide to bother with getting family health insurance. On a normal day, the free health insurance may come in handy. But you should ask yourself: what do you plan to do when something unexpected come up? Anyone in your family might suddenly be diagnosed with a serious and debilitating disease, or someone ends up figuring in an accident. No matter how prepared you are, there will be some circumstances that are beyond your control – and that of your financial capabilities. This is where family health insurance comes in.

Obtaining family health insurance for you and all the members of your family is one protective measure you can enforce in the earliest part of your marriage, or at the very least in the near future. Why? This is because free health insurance may only cover the simple things like general or common conditions that need medical attention. When you have family health insurance, you are assured that you have access to funds that can cover a medical problem that requires complicated or long-term monitoring. The earlier you start on this, the smaller the premium you will have to pay to the insurance company.

Ensuring that your family has health insurance is also a good safeguarding measure in the event that you or your partner suddenly loses one or several income streams while attending to a sick member of the family. This is especially true in times like these, when the recession has left most people wondering if their jobs are still waiting for them in the morning. With health insurance, you are assured that the necessary medicines or care is given to the sick family member. You might not notice it right now, but you will definitely come to appreciate such a thing in the event something unfortunate happens to you.

Having this kind of insurance also sets you apart from the rest. Let us imagine that a family member figures in  slightly serious accident; one call to the insurance company and you will have a group of representatives assisting you right away, from the ambulance all the way to the operating table (should it be necessary). If you were a regular walk-in patient, you might not be processed for treatment as early as those who decided to pay for health insurance. For these purposes, you will definitely be able to rely on health insurance like no other.

At the earliest part of your marriage and family building stage, family health insurance really does matter. It’s got a lot of benefits that you cannot get with just free health insurance .
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Follow Me on Twitter: Don Hamm, CEO of Assurant Insurance admits to Bart Stupak (D-MI US Representative) he is unable to understand his own company’s application. House Committee Oversight and Investigations Witnesses testified about the practice of “post-claims underwriting,” which occurs when insurance companies cancel individual health insurance policies after providers submit claims for medical services.

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