Health issues can take all of us by surprise. A person can be what the world would consider a specimen of health one day and the next day end up in the hospital. Hospital bills and other medical expenses seem to rise every day. Health insurance can protect your life savings and help you to get the care you need.
Sometimes you think that we are lucky and do not need health insurance since we have not been sick in years, and then a slow growing tumor or a weak spot on an artery or even a blockage in a main artery develops and suddenly, you are sick and in the hospital. Without medical insurance, you are headed down a road for financial difficulty. Unfortunately, this incident may have made it impossible for you to get that insurance.
On the other hand, illness sometimes come on quickly. We are exposed to thousands of germs and other pathogens every day. Many times our immune system is able to fight them off, but on occasion, one works its way into our body and suddenly we require medical treatment.
In addition to illness, there are accidents that can put us in the hospital. With car accidents, we can depend on auto insurance and with work accidents, there is workers compensation, but what about those accidents that happen at home and require treatment. Without medical insurance, you will pay for those accidents out of your own savings account.
The loss of work can often be devastating enough, but if you add the hospital bills, an entire life savings can be lost if you do not have health insurance.
One emergency room trip can cost thousands of dollars. An overnight stay in ICU for the needed observation can add even more costs. When you are out of the hospital, the charges for necessary prescription medication can sometimes be 700 dollars for one prescription. All of these can erode away a large savings account.
Health insurance can stop the expense form growing to a point that you cannot afford to pay.
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