|
News government changes to short term health insurance
industry.
When I woke up in the
hospital, the first thing they asked was who my health
insurance carrier was. As I got my consciousness back,
they began explaining about the car accident that
destroyed my car. The last thing I remembered I was on
my way to church. The nurse told me I had been in the
hospital for three days and had broken my collar bone
and my leg. It was going to take several months before
I would completely heal. They had enough medicine in me
so that I did not feel any pain.
Then I started thinking about her original question
concerning health insurance. I just got a great job
that was going to start providing medical health
insurance benefits, but they told me that I could not
get the coverage for 90 days. There was a 90 day
waiting period before my coverage would begin. All my
life I had been covered on my parents' insurance until
graduation. Since I was young and healthy, I did not
get medical insurance on myself. The human resources
officer at my new job recommended that I spend a couple
hundred dollars on a temporary health insurance plan
until coverage started with work. I searched online at
http://www.short-termhealthinsurance.com and found
several options but never bought anything.
'How much is my hospital bill?' I asked.
The nurse said, 'I don't know exactly, but you went to
the emergency room and surgery which would be close to
$50,000 by now. But insurance will cover everything.
Who is your carrier?'
I did not want to tell her, but the blood pressure
monitor that was hooked to me answered the question for
me. My car insurance would not cover it because I only
had basic liability auto insurance on my 10 year old
car. I had never been in an accident before, but had a
few speeding tickets so the rates were high.
Why didn't I get short term health insurance coverage?
What I wouldn't give to go back in time and trade $200
in medical health insurance premium for $50,000 worth of
health care. Now bankruptcy is my only option. I am
finally better and have recovered completely from my
wounds. But I have become a statistic in bankruptcy
now. Fifty percent of all bankruptcies occur from an
uninsured medical emergency.
I won't ever go without insurance again. I hope that if
you read this story and you are uninsured it serves as a
warning about what could happen. There are affordable
plans that protect from catastrophic emergencies like
this one. Please protect yourself. Get a quote and
apply online today in minutes. Many plans are close to
$50/month depending on your age. I am happy and lucky
to still be alive after my car accident. But it will
take the rest of my life to heal my credit history that
will always have a bankruptcy which could have been
avoided.
Greensboro, NC (PRWEB)
March 7, 2006 --
If you are graduating from high school or college,
congratulations!
Graduation is an accomplishment that you will have for
the rest of your life. One thing that is certain about
this time of your life is that your life will change
from this moment forward.
One typical change for our graduates is the status of
their health and medical insurance coverage. Usually
students are covered under their parents' policy
until graduation. Once they are no longer a full time
student, the coverage ends without the graduate being
notified. Hopefully graduates will have a job lined up
that provides health benefits along with a stable
paycheck. Many will not have that opportunity and will
be forced to either risk going without coverage, or pay
for high priced permanent health insurance.
A growing trend among graduates is for them to purchase
temporary health insurance. Temporary, or short-term
health insurance, is full major medical coverage for a
fraction of the cost of permanent insurance. Although it
costs less and has fewer benefits than plans with
co-payments, short-term health insurance offers the
peace of mind that comes in knowing that if a health
crisis occurs, policyholders can get the medical
treatment that they need without having to mortgage
their future.
Applying for quality coverage is easy at sites like this
one
http://www.short-termhealthinsurance.com [Short Term
Insurance]. Coverage can start immediately, and you can
apply directly online and pay by credit card. If you
have questions, any health insurance agent will be able
to explain which plan would be the best for your
situation. Some people only need coverage for a
single month, some for more than a year, and some
graduates do not know how long they will need it. There
are plans designed to meet individual needs.
Don't be caught off guard or without health insurance
after graduation. You don't want to find out that you
don't have insurance when you are in a doctor's
office or hospital. Contact your insurance agent to make
sure you have coverage until you get a job with
health insurance benefits. If you don't, seek a
short-term health insurance plan to meet your needs.
 |
